Personal trainer and fitness instructor insurance
Our specialist personal trainer and fitness instructor insurance offers comprehensive cover for fitness and coaching professionals. As a specialist insurer for the last twenty years, we have extensive experience of the risks facing your industry.
Few business owners realise how seriously an unforeseen event could damage their reputation. A client taking legal action over the quality of your service, an injury to a client during a training session arising out of your negligence or the theft of expensive training equipment could cost your business thousands of pounds. Our specialist insurance for personal trainers and fitness instructors can cover your business against such risks, giving you the peace of mind that if something does go wrong, you are covered.
Unlike many insurance schemes for personal trainers that offer a 'one size fits all' policy, we can help you tailor your insurance to the individual needs of your business. Our simple quote system asks about your business activities and offers you covers that may be of interest. You can choose to buy all or just some of the covers quoted, so you will only ever pay for the cover you need.
Tailor your personal trainer insurance with these specialist covers
Professional indemnity insurance
covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you. This insurance is vital if you advise clients on their fitness routine, and cover is available with limits ranging from £50,000 to £5m.
Public and product liability insurance
covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. Limits range from £1m to £5m.
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. If you employ any staff, including other personal trainers, you need this cover. Cover for £10m.
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
We insure home based fitness instructors and personal trainers
We offer a specialist homeworker insurance policy that is designed to cover a whole host of risks facing home based businesses, including personal trainers and fitness instructors. Home insurance policies rarely include business activities under their coverage, so it is vital you arrange the right insurance to prevent claims falling between gaps in cover.
Our homeworker insurance can be tailored to cover your liabilities, as well as insure any expensive business equipment you may have. With a range of limits suitable for businesses of all sizes, you are sure to find the right cover.
Our personal trainer and fitness instructor insurance starts at just £5/month, with the option to spread the cost of your policy over ten instalments.