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 cover 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 personal training session. Personal trainer insurance could protect you from the financial fallout from incidents like this, as well as equipment insurance and cover for 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’re self-employed – and especially if you employ other fitness professionals – 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 Comparethemarket, we don’t offer comparisons for specialist personal trainer or fitness instructor insurance, but we do compare the different types of business insurance that include cover options for your PT businesses needs. Just make sure you check any policy documents carefully before you buy, to be certain it’s right for you.
Public liability insurance for personal trainers
Public liability cover protects you against claims made as a result of property damage (if you hold sessions in a client’s home) 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 the size of your personal trainer business, and some customers may only offer you work if they know you’re covered.
Employers’ liability insurance for personal trainers
Employers’ liability insurance could cover you if one of your employees becomes ill or is injured as a result of working for you. If you employ one or more people or are a limited company with multiple directors, it's a legal requirement to have cover. If you're not a limited company, it's not a legal requirement to have employers' liability insurance if the employees are immediate family members, though if a policy is in place it would still cover immediate family members working for you.
Business premises and contents for personal trainers
If you’re based in a studio and have sports equipment or business 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 insurance is up to date and you have comprehensive cover.
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
A personal training business faces a fair amount of risk. Personal accident cover 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.
Start a quoteFAQs
How much does PT 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 bad 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 train clients abroad – for example, on yoga retreats or a warm weather bootcamp. If your business is going well, you might even 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.
With almost 15 years’ experience in the insurance industry, Mubina is an expert from one end to the other. From leading the introduction of new products, marketing them, innovating them, all the way to handling claims with customers. At some point in her career, she’s done it all.
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