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, 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.
Do you insure personal training businesses run from home?
Yes, many of our PT insurance customers do not have a single premises for running their sessions, and operate from various locations.
Is this cover suitable for contact sports?
Our policy doesn't cover all contact sports. For example, we do not cover boxing, judo, kickboxing, and other martial arts sports. If you are a trainer of contact related sports, please refer to the policy documents once you have obtained a quotation for the full list of excluded activities.
Expect more from your insurance provider.
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).
24/7 access to a legal advice helpline manned by qualified solicitors
Access legal templates and resources with the Markel Law Hub
Access our fee dispute service to assist with unpaid invoices
Expert management of public relations crises with The Counsel House
A specialist cyber response helpline to help in the event of a cyber attack