Specialist insurance cover for fitness professionals
Helping others improve their fitness, whether in the gym, your local park, or online, is incredibly rewarding. But no matter where you work, it can come with financial risks, from client claims to loss of income due to injury.
Specialist fitness instructor insurance through Insure4Sport can help financially protect you and your business. You can build your own policy from the options available, based on what and where you train.
Why choose Insure4Sport for fitness instructor 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.
Types of fitness instructor insurance
There are different types of fitness instructor insurance options available to you through Insure4Sport, including:
Gym member cover: Only looking to participate in fitness classes? See our gym member insurance page for more information.
Fitness instructor insurance: This option can include cover such as Professional Indemnity, Employers’ Liability, and Equipment cover. To qualify for a fitness instructor insurance policy through Insure4Sport, you must have the relevant qualification for the level you are coaching from the appropriate governing body (such as CIMSPA).
Gym owner insurance: If you own the building you coach from, you can help financially protect it with gym & fitness studio insurance. Plus, you can also add cover for other fitness instructors you employ.
What does fitness instructor insurance cover?
Fitness instructor insurance
- Professional indemnity – up to £5m
- 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
- Employers’ Liability
- Personal accident – covers accidental injury or death, dental treatment, and more following an accident as a result of coaching clients
- Theft, loss and damage to gym or sports equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Worldwide cover
- Any claims not arising from your participation in fitness instructing
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of fitness instructing)
- Loss or theft of any gym or sports 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 gym or sports 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 fitness instructor insurance?
Whether you’re new to the industry or an experienced fitness professional, training clients every day comes with risks.
If you’re injured while demonstrating an exercise and can’t work, fitness instructor insurance can help cover your loss of earnings for up to 52 weeks (after a 14-day excess). It can also financially protect your equipment if it’s stolen or accidentally damaged by a client or member of the public.
Third-party claims are another concern when working with clients. That’s why public liability insurance for fitness instructors through Insure4Sport can include cover up to £10m – so you can build your career with a strong financial safety net in place.
How much is fitness instructor insurance?
Several factors could affect the cost of fitness instructor insurance through Insure4Sport, such as the type and level of cover you choose for your business. You can get an online quote to learn the cost of your policy.
FREE multi-sports cover
Do you coach more than one sport? You can benefit from FREE multi-sport cover when you take out a policy through Insure4Sport – as long as it falls within your chosen risk category.
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Fitness instructor insurance isn’t a legal requirement in the UK unless you employ others – in which case, you’ll need Employers’ Liability cover. However, many gyms, leisure centres, and local authorities require fitness instructors to hold public liability insurance before allowing them to work on their premises.
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Yes, but you should only share video content with clients you normally train and have gone through your normal onboarding process. Videos should not be posted in a public domain where people could train from them without your approval and where you have not assessed the suitability of the class for them.
Depending on the type of fitness class you’re running, you can train up to 30 clients online in live or pre-recorded online sessions.
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Yes – as a fitness instructor, you can coach up to 10 clients as an individual at any one time. If another instructor is running the class with you, you could coach up to 20 clients, as the ratio of coaches to participants is 1:10.
Read the Insurance Scope on our Important Documents page to see a list of the coach-to-client ratios for each fitness class type.
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Yes – there are no restrictions on where you train, as long as you have permission from the relevant authorities and perform thorough risk assessments before coaching clients at new locations.
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Want to teach clients abroad? You can add Worldwide Cover to your fitness instructor insurance policy to extend your cover outside of the UK.
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Yes, as long as the guidance you’re giving falls within the scope of your fitness instructing qualification. According to REPs (The Register of Exercise Professionals), this should be general nutritional advice aimed at helping clients achieve their fitness goals – not prescriptive advice to treat medical conditions.
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Yes, as long as you have the relevant fitness instructor qualification.
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If a client is injured and believes your training advice was responsible, they may pursue a claim against you. That’s why having fitness instructor insurance can help make your sessions feel more secure.
With a fitness instructor insurance policy through Insure4Sport, you can receive £1.5m of Public Liability cover as standard, with the option to increase this up to £10m. This cover can help financially protect you against third-party claims for injury or property damage that occur during your sessions.
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