Specialist PT insurance through Insure4Sport
Whether you’re an experienced PT or gym instructor or newly qualified and raring to go, specialist personal trainer insurance through Insure4Sport can protect you, your PT business, and your clients in the event of accidents, injury, or other unexpected events, either at the gym or in private sessions.
Please note: If you’re unable to train clients in person, you’re covered to train classes of up to 30 people in live or pre-recorded online sessions.
Why choose Insure4Sport for personal trainer insurance?
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FREE Multi-Sports Cover
Insure4sport arranges multi-sport cover for over 400 sports & activities.
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FREE £250 Equipment Cover
Get cover for theft, loss or accidental damage of your equipment when purchasing a policy.
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Rated 'Excellent' on Trustpilot
Rated Excellent on Trustpilot and insurance provided by Aviva.
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.
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 is no legal requirement to have insurance as a personal trainer unless you employ staff as part of your PT business.
If you employ staff, you are required by law to have Employers’ Liability Insurance as a minimum.
If you do not employ staff, you may still wish to consider investing in personal trainer insurance for peace of mind. Many gyms and sports centres may also ask to see proof of insurance before allowing you to work there.
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.
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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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