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 the following personal trainer activities. (Any endorsements that may apply will be shown when you get your insurance quote).

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

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


If you require cover for teaching personal training, you can add this option when you get your quote.

If you are a student, we can arrange cover for you too, at special student rates. Just confirm you are a student on the online form when you get your quote or read more on 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.