Personal trainer insurance highlights
- Public Liability cover (up to £10m), including free Professional Indemnity cover (up to £5m) when selected
- Policies include cover for 1-to-1 sessions and group classes, as well as coaching online and outdoors
- Personal training equipment cover is included for theft, loss and damage up to £250
- Insure4Sport helps arrange insurance for PureGym’s personal trainers and gym members
- Get a quick online quote in minutes
Why choose Insure4Sport for personal trainer insurance?
Whether you're an experienced PT or newly qualified and raring to go, specialist personal trainer insurance by Insure4Sport helps protect you, your business and your clients financially - whether you're at the gym, running private sessions, or coaching online and through pre-recorded content. We arrange cover for personal trainers working everywhere from home gyms to some of the UK's biggest gym providers, including PureGym and The Gym Group. With nearly three decades of experience and an ‘Excellent’ Trustpilot rating, you can arrange cover in confidence.
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FREE £250 Equipment Cover
£250 of cover for theft, loss or accidental damage to your kit is included free, plus the option to increase it up to £2.5k per item.
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Optional worldwide cover
Training clients abroad or running a retreat? You can add worldwide cover for up to 6 months per year.
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Public Liability up to £10m
Public Liability of up to £10m is available - the cover many gyms or studios ask to see before you teach.
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Professional Indemnity up to £5m
Protects you if a client blames you for an injury or setback caused by advice or a programme you gave them. Included free when you select Public Liability.
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Free multi-sports cover
Insure4sport arranges multi-sport cover for over 400 sports & activities
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Trusted by thousands
Insure4sport is rated ‘Excellent’ on Trustpilot and trusted by over 10,000 personal trainers* across the UK.
What does personal trainer insurance cover?
Personal trainer insurance
- Public Liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
- Professional Indemnity – up to £5m
- Employers’ Liability
- Personal Accident – covers accidental injury or death, dental treatment, and more following an accident as a result of personal training
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Theft, loss and damage to personal training equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Worldwide and online cover
- Any claims not arising from your participation in personal training
- Damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of personal training)
- Loss or theft of any personal training equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for personal training equipment where you cannot provide evidence of ownership
- Theft, loss or damage to mobile phones
For more information visit our Important Documents Page.
Meet our personal trainer insurance expert
"In 2025, 1 in 3 claims were the result of personal accidents, with the most common claims from personal trainers involving trips and falls on the gym floor.
"To help reduce the risk of injury for both you and your clients, make sure you warm up and cool down properly, use well‑maintained and up‑to‑date equipment, and always stay aware of your surroundings."
Sean Carney, CUO
Why consider personal trainer insurance?
As a personal trainer or fitness trainer, you have a duty of care to your clients and others you may encounter as part of your job. Accidents and injuries can occur when training, both to yourself and your clients, which is why you may wish to consider specialist PT insurance.
Aside from that, many gyms and sports centres will likely require proof of your insurance before you can start working on the premises.
With specialist personal trainer insurance through Insure4Sport, you can worry less about that and focus on what’s really important to you—helping your clients achieve their fitness goals.
Do I need insurance to be a personal trainer?
There's no law that requires a self-employed personal trainer to have insurance unless you employ staff, in which case Employers' Liability is a legal requirement. If you don't employ staff, you may still wish to consider it, because without cover, you'd have to pay any compensation claim out of your own pocket, and most gyms won't let you work without it.
Do gyms require personal trainers to have insurance?
Most gyms and studios won't let you train clients on their premises without Public Liability insurance, and many will ask to see your certificate before you start.It's worth checking what level is required at your venue before your first session, so you can arrange the appropriate cover.
Do I need personal trainer insurance to teach online?
If you’re unable to train clients in person, you can still get cover to train classes of up to 30 people in either live or pre-recorded online sessions through Insure4Sport.
However, your Public Liability insurance will only cover you during a face-to-face session or an online video session (such as via Skype) up to the insured limit you selected when taking out your policy.
Please note: If all your PT sessions are done online, and you never see or interact with your clients in person, you can not get personal training insurance through Insure4Sport.
FREE multi-sports cover
Teach more than one sport? You could benefit from FREE multi-sports cover when you add more than one sport to your policy.
How much personal trainer insurance cover do I need?
The amount you should consider depends mainly on what the gyms you work with require. Public Liability through Insure4Sport is available from £1m up to £10m. Requirements vary between gyms and studios, so it's worth checking what each venue you work with asks for before you choose. Some venues may require a minimum level of Public Liability cover as a condition of working on their premises. Public Liability cover is optional on some policies, so if you choose to include it, the level required by the venue may be higher than the minimum cover available.
When comparing levels, it can help to understand how they differ. Serious injury claims can be costly once compensation and legal costs are taken into account, and if a claim exceeds your cover limit, you may be responsible for the difference.
If you work across several gyms, choosing a level that meets the highest requirement among them means a single policy can help financially protect you everywhere you train.
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The cost of your personal trainer insurance through Insure4Sport will vary depending on the level of cover you choose.
The quickest and easiest way to find out how much your cover could cost is by getting a quick quote online.
With Insure4Sport, you can pay for your cover monthly on all annual policies over £30. Monthly payments are arranged through our partner Premium Credit Limited. You will be required to pay a 20% deposit initially, and the remainder will be split over 9 equal monthly instalments. Please note a % APR will apply.
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At Insure4Sport, we've worked hard to ensure that the UK's most popular sports, activities and classes are covered. Check out our full list of sports we cover to double-check what you teach is covered.
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No, as long as you have an appropriate PT qualification recognised by a UK governing body, this won't have any impact on your premium.
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Whether you’re a gym instructor operating solely from the gym floor or you travel to your clients directly, you can get cover through Insure4Sport.
We don’t place restrictions on your location, but if you’re running sessions in public spaces, you may need to request permission from the relevant authorities.
We also strongly recommend that you conduct appropriate risk assessments before sessions, but you are covered to conduct your PT sessions either in the gym, a local park, or at a client’s home.
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Yes, as long as the nutritional advice you are giving is part of your PT qualification.
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Yes, as long as your PT qualification allows this.
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No, you can still take out a policy through Insure4Sport without having a first aid qualification or certificate. However, you may still want to obtain one for peace of mind.
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Yes, any items purchased by you and under a year old will be replaced on a new-for-old basis, subject to satisfactory proof of ownership.
Sports equipment over a year old will be replaced on their indemnity value at the time of the damage or loss.
Looking to insure your gym?
Got a gym that you personal train in? Find out more about gym insurance, including buildings and contents insurance.
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Refer your friends and you’ll both be rewarded
If you choose to refer your friends to us, not only will we reward you with a voucher of your choice but your friends will receive an exclusive discount too!
In association with PureGym
Insure4Sport helps arrange insurance for PureGym’s personal trainers and gym members.
*as of September 2026
