Insurance for Personal Trainers

Yes, many fitness business insurance policies will cover you wherever you work! Policies are available that cover you in multiple locations if you provide services in more than one gym, studio, or outdoor public space.  

Yes, fitness business insurance can cover you if you provide virtual training sessions. 

The two most common types of insurance for fitness businesses are Professional Indemnity and Public Liability insurance. Each covers different risks that are common to fitness professionals. 

Professional Indemnity* protects personal trainers against losses claimed by a third party due to alleged or actual negligence in their professional services or advice. Subject to applicable limits, your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).

Public Liability insurance* protects you and your fitness business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.

A Business Insurance Package can be customised to include cover that fits your business needs, such as Portable Equipment insurance (designed to protect your tools, business equipment or electronic items, or unspecified items of lower value) and Contents insurance (covers your business contents or stock if they are damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy). 

Personal Accident and Illness insurance* can provide levels of cover for loss of income, permanent disablement and even death if you are unable to work as a result of an injury or illness (even if it occurs outside of work).