Fitness Instructor Insurance

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. 

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.

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. 

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.

Want to teach clients abroad? You can add Worldwide Cover to your fitness instructor insurance policy to extend your cover outside of the UK.

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.

Yes, as long as you have the relevant fitness instructor qualification. 

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.

Check that your qualification covers the activities you plan to teach and ask your venue about its insurance requirements. Insure4Sport requires relevant qualifications recognised by the appropriate UK governing body, unless otherwise agreed. 

It may not. A gym’s policy does not automatically cover every instructor working there. Check with the gym what protection extends to you and whether you need your own insurance before taking on sessions. 

Teaching across different venues does not necessarily mean buying a separate policy for each location. Check that your activities and working arrangements are covered, and that your chosen liability limit meets each venue’s requirements. 

Insure4Sport’s multi-sports cover can include eligible activities within your selected risk group or lower at no extra cost. You must meet the qualification requirements for each activity and follow any class-size conditions.