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Insurance for Personal Trainers

Professional Indemnity Cover From $28.23 per Month

  • Free $10m Public Liability with your Professional Indemnity policy
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  • Best price guaranteed for combined cover
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Why do Personal Trainers andFitness Professionals need it?

Give that kettlebell a rest and get personal about your insurance. With just a few clicks or a single phone call, BizCover can get your business in shape with multiple quotes from leading insurers. Select your preferred policy and you’ll be covered before you can say ‘workout of the day’.


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Insurance for Personal Trainers and
Fitness Professionals

Professional Indemnity

As a personal trainer it’s your job to create unique exercise plans that will help your client reach their fitness goals. In doing so you are providing advice in relation to their particular needs. Mistakes happen, accusations can be thrown around, and claims are made, whether rightly or wrongly. Professional Indemnity insurance protects you against financial losses you incur for any action taken against you for a variety of reasons, including:

Public Liability

Public Liability is a must to ensure your business stays fighting fit should an unwanted accident occur. In fact, it’s likely a requirement for you to provide your own insurance if you are contracted to a gym or fitness studio, or for obtaining council permits for working in public outdoor spaces.

Public Liability insurance will protect you from financial losses arising from a claim of accidental injury to third parties. For example, say a client trips over a piece of fitness equipment and fractures their wrist, you could be held liable for the cost of their medical expenses, as well as any loss of income as a result of taking time off work to recover. Public Liability will also protect you against third-party property damage if you or your clients cause any accidental damage.

Business Insurance

If you own expensive fitness equipment then it might be worth considering Business Insurance to cover against loss, damage or theft.  It can also provide cover for any stock that you carry, such as supplements and protein bars etc.

Personal Accident and Illness

Your body is your business. If you were to injure yourself or fall ill it’s highly likely you’d need to take time off work to recover, which may also mean taking a break from earning an income. No matter how fit you are, accidents can still happen. Personal Accident and Illness insurance can help by paying you a benefit if you are unable to work temporarily due to an accident or illness, so you can stress less about paying essential bills until you’re back on your feet.


Claims Examples

Bootcamp hazard

A lady attending her regular bootcamp session tripped over a tyre that was used as a corner-point in an exercise course, sustaining serious injuries to both of her elbows. Unfortunately she had to take time off work to recover which resulted in a loss of income. The lady lodged a claim against the personal trainer for negligence as they failed to warn her of the hazard which she was exposed to.

The wrong advice

A middle aged man on a health kick enlisted the help of a personal trainer. The personal trainer who had little experience ordered him to perform a particular exercise that was inappropriate for the man’s age and physical ability. The man suffered a severe spinal injury and had to undergo surgery on his back. He sued the trainer for negligence and breach of his duty of care for prescribing an unsafe and unsuitable training programme.


3 questions to ask yourself
when buying insurance 

  1. Do you create custom training plans for your clients in accordance to their body type or health condition? Do you provide advice in regards to dietary plans and modifications?
  2. Does your place of work require you to hold a minimum amount of Public Liability insurance? Or if you work outdoors, does your council permit require you to have insurance?
  3. How would you keep on paying your bills and day-to-day living expenses if you had to take time off work to recover from injury or illness?

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