Fitness Instructor & Personal Trainer Insurance

Fitness professionals are engaged by people to help them get in shape, keep fit and potentially lose weight. Any advice provided that a client deems to be poor and ineffective could lead to a claim.

A couple of examples could include:

• You provide a nutrition plan for your client, but they put weight on, or it makes them feel unwell.
• You provide a weight training plan for a client and they injure themselves.

Professional Indemnity insurance would respond to provide cover in most instances such as these.

A client is injured whilst in your care

A client sustains an injury during one of your training sessions. This instance you would be covered by Public Liability insurance.

With our online quote and buy system you can get an indicative quotation for your insurance in a matter of minutes. Professional Indemnity insurance starts from as little as £98.00 per year, while Public Liability insurance stars from only £112.00 per year.

What you will pay depends on your needs and your level of risk. If you have a specific requirement or would simply like assistance with your quote please contact 0333 321 1403.

Apart from Professional Indemnity insurance which will provide cover for poor fitness instruction and advice, you will typically be required to carry Public Liability insurance because you meet clients face-to-face. However, some gyms will cover this if you are a resident instructor there, so please check first.

It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability. Directors and Officers insurance will cover you in this instance.

If you handle client data, then a cyber liability insurance policy could be valuable to ensure you and your clients are covered in case your computer is hacked and the data is stolen or leaked.

Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from being called up for jury service.