Fitness instructor and personal trainer insurance
Specialist cover for fitness professionals, personal trainers and sports coaches from as little as £5 a month
Fast, easy online quote in 90 seconds
24hr legal advice helpline and legal hub
No hidden fees or cancellation charges
More sports and fitness professions we cover
Cover starting at just £5 a month
Cover starting at just £5 a month
Frequently asked questions
Am I covered to work with clients remotely?
Yes. Your insurance policy automatically provides cover for working with clients remotely, including using an audio or video service such as Zoom or Skype.
Many of our customers have begun doing this as a way of continuing business and retaining clients during the COVID-19 pandemic, and you do not need to contact us to include it on your policy.
Please note that your sessions/instruction must be done on a live basis and to your client (or clients, if part of a group session) only. Your policy does not provide cover for pre-recorded videos that are uploaded to a video platform (e.g. YouTube) for anyone to access.
What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.
Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.
As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.
I do bootcamp and other sessions outside - is this covered?
Yes. Bootcamp classes and other workout sessions outside are covered by our policy.
Do I need a current first aid certificate to be covered?
No. Although it is advisable for you to have one in case something were to happen during a workout, it is not something that we insist on.
What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover in order for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, or it's the first time you have arranged cover, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance for photographers, so you're sure to find the right cover for your business.
Why should I choose Markel’s insurance?
Markel has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s and London market insurer that wrote gross premium totals of $1.2 billion in 2018.
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
How are Markel regulated?
Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority – details of which you’ll find on the Financial Services Register.
Insure with Markel and access these services for your fitness training business
We insure thousands of fitness instructors, coaches and professionals, which is why we offer a range of useful services designed to make your life easier (included as standard with the relevant section of cover).
24 hour legal advice helpline
When you insure with Markel, you'll benefit from 24/7 telephone access to a qualified solicitor at no additional cost. Expert legal advice can be costly when you're working for yourself and it's difficult to know who to turn to for a trustworthy answer. Whether it's a question on health and safety, employment law, legal structures for your business or how to handle a difficult client, an experienced team of solicitors are on hand day and night to help you with any business-related legal queries. Included as standard with all policies.
Markel Law Hub access
In addition to our 24 hour legal helpline, you'll have access to the Markel Law Hub - an award winning online resource of legal and business guides, templates and content written and created by our team of expert solicitors. Instantly download ready-made contracts, policies, procedures and guidance you can use for your business - without paying any expensive legal fees. Included as standard with all policies.
Fee dispute service
Chasing unpaid invoices or fees is a frustration felt by many personal trainers, fitness instructors and sports coaches. We offer our policyholders access to a unique fee dispute helpline operated by one of the UK's leading law firms, who will provide specialist legal guidance and support on fee dispute issues. Included as standard with public liability and professional indemnity insurance.
Public relations crisis management service
Public relations disasters can occur at any time, particularly in today's 'blame and claim' culture. Having to deal with the press whilst managing a difficult situation can be hugely stressful as well as being a potential minefield. When there is a risk to your business as a result of negative press attention, our specialist public relations crisis management firm, The Counsel House, will work with you to help manage allegations of fraud, injury caused to employees or the public, and official investigations into your company's affairs. Included as standard with public liability and professional indemnity insurance, directors and officers insurance, cyber and data risks insurance and legal representation and employment disputes insurance.
Cyber response helpline
If you're the victim of a targeted cyber attack, our cyber response helpline provides access to specialist solicitors and information security experts who will give expert legal and technical IT security guidance on the issues arising from cyber and data protection risks. Included as standard with cyber and data risks insurance.