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

  • Public liability and professional indemnity insurance

    Public liability and professional indemnity insurance offers comprehensive protection against the cost of defending your fitness business against allegations of professional negligence (such as giving incorrect instruction or coaching to a client) and if unsuccessful, the cost of damages awarded against you.

    In addition, it 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. 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.
    • 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.

    This cover is often a requirement of gyms, village halls and other rented premises before they will allow you to begin your training sessions and is generally considered vital cover for fitness coaching professionals of all descriptions. 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.

  • Occupational personal accident insurance

    Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14 day deferment period).

    In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out.

    Few personal trainers and fitness instructors are fortunate enough to not be injured in the course of their profession, and occupational personal accident insurance can help you maintain an income if you were unable to work following an accident while working for your business.

  • Legal representation and employment disputes insurance

    Legal representation and employment disputes insurance pays your legal and representation costs, together with any award you are required to pay, following an employment dispute - for example, with a fitness instructor that you employ in your business. It also pays costs and expenses for certain crisis management, identity fraud, official investigation, corporate manslaughter, pollution and data protection issues.

  • Cyber and data risks insurance

    Cyber and data risks insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients, their training plans and other sensitive information about them on computers and other internet connected devices, you should give consideration to this cover.

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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 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?

    Gathering over 25 years of expert knowledge of engineering insurance, Markel understands the liabilities and risks engineering businesses and professionals face every day. By developing this expertise, Markel have created policies to cover all bases.

    Markel is regulated by the Financial Conduct Authority and Prudential Regulation Authority - view details on the Financial Services Register.

    The company is a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £750m ($1.0 billion) in 2017.

    Still not sure? Talk it through with us by calling 0800 640 6600 or get an online quote in 90 seconds now, and call later if anything needs clarifying.

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 helpline  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.

Legal hub access 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.

Cover starting at just £5 a month