When you need insurance for your health and fitness business, you can depend on our experience and reputation to find the policy that best fits your situation.

We've been supporting health and fitness professionals for over 25 years.


Personal Trainer Insurance Cover

You’ve trained and worked hard to be a professional personal trainer. You want to spend your time focusing on your clients, not hunting around for the best choice on your insurance. Our mission is to save you time and money by offering you the best deal on both cover and cost so that you can get on with running your business.

Get your personal trainer insurance quote and cover in less than 3 minutes and we’ll email your documents to you. It couldn’t be easier!

Our comprehensive liability insurance covers you to work anywhere in the UK; in a fitness centre, health club, in your home, a client’s home or outdoors.

How Much Does Personal Trainer Insurance Cost?

When you look around, you’ll find that the cost of our liability policy is surprisingly low. Our standard personal training insurance cover costs just £56.00 per year if you buy online. This includes insurance premium tax and our admin charge. We are specialists in our field and because of the size of our insurance schemes for people like you, we have been able to negotiate very competitive rates.

Activities Covered by Our Personal Trainer Insurance

Cover is automatically included for any of the following personal trainer activities, provided that you have a UK qualification to teach them.
(Any endorsements that may apply will be shown when you get your insurance quote).

  1. Aerobics Instructors
  2. Aqua Zumba
  3. Bellyfit
  4. Body Conditioning / Swiss Ball
  5. Body Training Systems
  6. Boxercise
  7. Chair Based Exercise
  8. Cheerleading (excluding acrobatics)
  9. Circuit Training
  10. Dance based exercise
  11. Exercise in the water
  12. Fitball
  13. Fitness fx
  14. Friskis & Svettis
  15. General Exercise Class including those using equipment
  16. Golf Biomechanics
  17. Group Studio Cycling
  18. Gymnasium Instructors
  19. Hula Hoop classes
  20. Indian Club Swinging
  21. Jazzercise
  22. Junior Fitness
  23. Just Jhoom
  24. Kettlebells
  25. Martial Arts based fitness (no body contact)
  26. Non-Contact Kickboxing
  27. Nordic Walking
  28. Parkour
  29. Personal Training
  30. Pilates
  31. Piloxing
  32. Powerplate
  33. Rebounding
  34. Salsa Dancing
  35. Skipping
  36. Sports Massage (not in isolation)
  37. Street Dance Instructor
  38. Tai Chi
  39. Thump Boxing
  40. Trampolining
  41. TRX training system
  42. Yoga including Chi-Yoga
  43. ViPR
  44. Zumba including Zumba based activities

Our Personal Trainer Insurance Policy Cover

Our policies are arranged through Lloyd’s of London – a name you can trust.


  • Public Liability – £3 million or £5 million
  • Products Liability – £3 million or £5 million
  • Malpractice Cover – £3 million or £5 million
  • Financial Loss – £10,000 or £50,000


  • Employers Liability
  • Money
  • Legal Expenses
  • Personal Accident for hands
  • Stock/Equipment
  • Individual Personal Accident (& Sickness) – Separate Policy. Click here for further information


If you require cover for teaching students to become qualified personal trainers, you can include this teacher cover option when you get your online quote.
If you are a student training to become a personal trainer, we can arrange cover for you too, at special student rates. Just get a quote for Gym Instructor/Personal Trainer insurance and click the student option on the online form. Or for more information, see our student cover page.

Do I Really Need Personal Trainer Insurance?

Although your standards may be high, things can sometimes happen that are beyond your control. In today’s society, members of the public are becoming increasingly ready to take legal action against health and fitness professionals. A client may make a claim against you for the service you give them or an accident or injury that they hold you responsible for – even if you’re confident you were not at fault – and the legal costs of a defence could be hefty. Our specialist personal trainer insurance policy is a low cost safety net.