Personal trainer insurance

As a personal trainer or sports instructor, your focus is helping people be the best they can be. But what about when it comes to keeping your own business fit and healthy? 

Insurance for personal trainers means you can go about your day-to-day routine without fear of something going wrong. Here’s how…

As a personal trainer or sports instructor, your focus is helping people be the best they can be. But what about when it comes to keeping your own business fit and healthy? 

Insurance for personal trainers means you can go about your day-to-day routine without fear of something going wrong. Here’s how…

Emily Kindness
Business insurance expert
3
minute read
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Posted 5 NOVEMBER 2021

Do I need personal trainer insurance?

If you’re in a job where you work with the public, it’s essential to have the right insurance in case things go wrong. 

You may think accidents and injuries never happen on your watch, but there can always be mishaps, like a client tripping over unattended gym equipment or injuring themselves during a training session. Personal trainer insurance could protect you from the financial fallout from incidents like this, as well as covering your fitness equipment and any employees you might have. It can also cover loss of earnings if you injure yourself and you’re unable to work.

What type of personal trainer insurance do I need?

If you’re an employee, it’s worth checking out the personal trainer insurance that’s already in place for you. If you work for yourself – and especially if you employ other people – it’s likely you’re in the market for personal trainer insurance. You’ll also find that many gyms and sports centres won’t let you work there if you’re not adequately covered. 

At Compare the Market, we don’t offer comparisons for specialist personal trainer or fitness instructor insurance, but we do compare different types of business insurance that could cover your needs. Just make sure you check any policy carefully before you buy to be certain it’s right for you.

Public liability insurance for personal trainers

Accidents usually happen when you’re least expecting them. If a client somehow manages to tear a muscle in a dance class you’re leading, they could decide to take legal action, leaving you in a vulnerable situation.

Public liability insurance protects you against claims made as a result of property damage or injuries sustained by members of the public, connected with your work. You can compare and take out a public liability insurance policy no matter what size your operation, and some customers may only offer you work if they know you’re covered.

Employers’ liability insurance for personal trainers

If you run your own gym or fitness classes and you hire instructors, cleaners, receptionists – or anyone else, for that matter – you’ll need employers’ liability insurance and a displayed certificate to prove it. That’s the law. If you don’t have employers’ liability insurance in this scenario, you could be landed with a fine of up to £2,500 for every day you’re not insured.

Business premises and contents for personal trainers

If you’re based in a studio and have equipment on site, don’t forget you’ll need to get that covered too. So don’t forget to make sure your business premises and contents cover is up to date and tailored to your needs.

And if your work involves travel, check your van insurance or car insurance policy covers any kit stored in the vehicle.

Personal accident insurance for personal trainers 

Being a personal trainer involves a fair amount of risk. Personal accident insurance can pay out if you, or one of your employees, suffers specific injuries or death following an accident.

Get the right personal trainer insurance

Any insurance premium is calculated based on factors specific to you, like your claims history, the size of your business and how much cover you need.

Get a personal trainer insurance quote now and see if you could save.

Frequently asked questions

How much does fitness-trainer insurance cost?

The price of your personal trainer insurance will depend on your personal circumstances, such as where you live, how many employees you have and how much cover you need.

Do I need professional indemnity insurance?

If, for example, you give a client professional fitness advice that causes them some kind of injury or harm, they could make a claim against you. Professional indemnity insurance could cover your legal costs and any compensation, should this happen.

What about if I work abroad?

If you’re a personal trainer, you may get the opportunity to work abroad – for example, on yoga retreats. Or it could be that you fancy expanding your operations overseas. If so, you can add an overseas extension to your policy that covers you for any work you do abroad.

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