Fitness Instructor & Personal Trainer Insurance

Fitness Instructor & Personal Trainer Insurance

Easy as 1, 2, 3 – Fitness and personal trainer insurance quickly, with instant cover

Personal Trainer’s insurance by industry experts

What is Personal Trainer’s Insurance?

Everyone knows that health and fitness are crucial to our wellbeing. As a personal trainer, you had a dream to help your clients attain their fitness goals – your freelance business offers them the chance to get in shape and be the very best version of themselves they can be.

However, helping your clients get fit is a marathon, not a sprint, and things don’t always go exactly to plan. A client may sustain an injury while following advice you gave them for their fitness routine. This may lead to a claim for malpractice and spell bad news for your business.

So how do you protect your business from these kinds of accidents? Simple. Our Fitness Gold Personal Trainer insurance policy includes malpractice cover, so no matter the hurdle, you’ll always be protected. You’re free to focus on making your clients’ fitness dreams come true.

Why do I need Personal Trainer’s insurance?

Personal trainer’s insurance provides financial protection in the event of unexpected incidents, such as customer injuries or property damage. With this coverage, your insurer assumes responsibility for the associated costs — not you.

For example, it safeguards you against liability claims that may arise from offering fitness classes, encompassing injuries, negligence, or misconduct during these sessions. Personal trainer’s insurance ensures you’re covered for the legal fees, medical expenses, and potential compensation that may arise from such occurrences.

Is Personal Trainer Insurance Essential to be a Personal Trainer?

If you work in a gym then you might already be covered for being a fitness instructor or personal trainer. Check in with them to confirm their gym insurance policy covers your workouts and routines.

If you are looking to insure your instructors and trainers then please have a look at our comprehensive gym insurance.

Don’t let life trip you up. Get instant cover with insurance from Fitness Gold today.

What’s included…

from £61.00* per year
* This price is for a £3m public, products and malpractice cover (up to £5m available) and £10k financial loss cover for a sole trader. It includes insurance premium tax and our admin charge. ALL customers will pay this amount UNLESS they choose to take out additional optional covers or treatments which are priced separately.

Premium Public Liability Insurance for PT, Without That Premium Price Tag

“So, what’s the catch?”
People often wonder how we can manage to keep our prices so affordable and still give them the same, premium quality cover.
We don’t play favourites. We always get you our best price possible, which keeps us a step ahead of the rest.
No tricks. Just comprehensive cover when you need it most.

Which type of Fitness Gold policy do I need?

Find out which insurance policy is right for your business.

Go

Are you a Student?

Yes
No
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Based on the information provided we would suggest our Student policy.

Get a quote
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Do you own or manage a gym or business premises that allows access to the public (excluding studios based at home)?

Yes
No
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Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.

Get a quote
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Are you employed by a gym or business owner?

Yes
No
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Their insurance should cover you as an employee so based on the information provided we would only suggest our Freelance/Mobile/Self-Employed policy if you do your own private work.

Get a quote
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Do you rent a space in a gym or work on a freelance or mobile basis in the fitness sector?

Yes
No
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

Get a quote
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Do customers visit you at home for their fitness session?

Yes
No
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.

Get a quote
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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

Get a quote
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Our Gym Instructor / Personal Trainer incl Dance / Yoga Instructors Cover

For Mobile & Freelance

If you work mobile or freelance in the gym instructor / personal trainer incl dance / yoga instructors sector, our specialist policies provide all the cover you need at some of the best prices around.

Freelance covers

Our Gym Instructor / Personal Trainer incl Dance / Yoga Instructors treatments

The Fitness Gold policy will provide cover for a wide range of treatments as standard providing all treatments are carried out by a trained and qualified operative.

Treatment page

Do you own or lease a salon? Our salon insurance packages provide some of the widest covers available.

Salon covers

“Will qualifications affect my insurance?”

Talking about qualifications when trying to buy insurance for your business can be a bit daunting, but it doesn’t have to be! Here at Salon Gold, we know that there is often a lot of uncertainty over what qualifications you’ll need to be covered, so we’ve compiled all the information you’ll need to know in this handy guide

Teacher or student cover

Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an optional cover. Just add it to any of our freelance hair, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!

Personal Trainer’s Insurance FAQs

What happens if I train in new activities?

You will automatically be covered for all activities listed under our standard policy.  Providing you have the appropriate training, you will automatically have cover for any new activities providing they are included on our standard list.

Am I covered if I see clients at home or away from the gym?

Yes, our freelance personal trainer insurance covers you to work anywhere in the UK.

If you work at a gym, then you might already be insured under the gym insurance policy of your employers.

Do personal trainers need insurance?

If you’re offering personal training through your workplace, you should be covered under the insurance policy of the club or gym you work for. However, you must confirm this before you start working there to ensure you understand the extent to which their policy protects you. If you’re offering a freelance service to clients, you will need to arrange your own insurance.  You can get a quote online.

Do personal trainers need professional indemnity insurance?

Giving advice to clients is part and parcel of being a personal trainer. However, as well-meaning as your advice is, if it doesn’t work for your client, you could be liable to pay for any accidental damage it causes. Professional indemnity insurance protects you against any claims of this nature.

Do I need insurance if I work in a gym?

You should be covered by the gym’s insurance if you’re employed there as a personal trainer. However, it’s always best to check the gym’s insurance policy with your employer to decide if it’s enough for you. In some cases, you may want to take out your own, private policy for your own peace of mind. It’s also worth noting that you will only be covered by your gym’s insurance for any claims that happen on their premises. For example, if an accident occurs during a private PT session outside of the gym, your workplace insurance won’t cover it unless specified to do so.

Can I be sued as a personal trainer?

If your clients sustain an injury during your class or after following your advice, they could have reasonable ground to file a claim against you. Even though not all injuries of this nature are caused through negligence, you will still be held liable. This is why it’s best to have insurance in place to financially protect you from any accidents.

Do freelance personal trainers need insurance?

Unless you employ others, freelance personal trainers like yourself don’t legally require insurance. However, having cover is highly recommended in order to protect your livelihood, attract clients and give you peace of mind. 

How Much Does Fitness Instructor and Personal Trainer Insurance Cost?

How much fitness instructor and personal trainer insurance will set you back is contingent on factors like your previous claims history, level of experience, the amount of cover you require and the size of your operation. 

However, regardless of your circumstances, you won’t have to break the bank for cover with Fitness Gold. We will always keep the price of our fitness and personal trainer policies as low as possible, but never at the cost of the insurance’s quality. 

This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s). © Copyright 2024 Salon Gold | Salon Gold, Holistic Gold, Counselling Gold, Fitness Gold and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register. Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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