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

  • Interest free direct debit

  • No hidden fees or cancellation charges

With over 25 years of experience, our specialist personal trainer and fitness instructor insurance offers comprehensive cover for fitness and sports coaching professionals.

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, fitness instructors and sports coaches 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.

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Cover starting at just £5 a month

Tailor your personal trainer insurance with these specialist covers

  • Professional indemnity insurance

    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.

    Examples of claims include:

    • You advise a client how to perform an exercise, however they fall while doing it and injure themselves. They take legal action against you, alleging you failed to properly explain the move.
    • You produce a personalised training plan for a client, however they don’t achieve the goals they were promised. They take legal action against you, alleging your training was inadequate.

    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

    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.

    Examples of claims include:

    • A client trips over a weight that has been left lying around and injures their hip. They are unable to work and make a personal injury claim against you seeking compensation.
    • You help a client stretch following an exercise session, however you push the muscle too far and it tears. The client takes legal action against you for the injury suffered.

    Limits range from £1m to £5m.

  • Employer’s liability insurance

    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.

    An example of a claim would be:

    • While training a client, an employee slips on an unsecured workout mat and injures themselves. They make a personal injury claim against you seeking compensation.

    If you employ any staff, including other personal trainers, you need this cover. Cover for £10m.

  • Directors and officers insurance

    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

    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.

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Cover starting at just £5 a month

Frequently asked questions

  • 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 is different - it 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, so you're sure to find the right cover for your business.

  • Why should I insure with Markel?

    Established over 25 years ago, we've gained an unrivalled understanding of the risks facing professionals and our policies are specially designed to protect you.

    We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £800m ($1.2 billion) in 2015.

    Still not sure? Call us on 0800 640 6600 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your business. Alternatively, get an online quote in 90 seconds now and call us later if anything needs clarifying.

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, fitness instructors and sports coaches. 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 10 interest free instalments.

Cover starting at just £5 a month