Specialist circuit training insurance for coaches, instructors, and individuals through Insure4Sport
Circuit training is one of the fastest-paced and adrenaline-filled ways of working out, whether you’re a coach, instructor, or just a regular gym-goer.
But given its high intensity and vastly varied nature, it can carry several risks if not done properly, and even the most careful and experienced instructors and circuit trainers can have accidents. Specialist circuit training insurance can help protect you and your equipment should something go wrong.
Why choose Insure4Sport for circuit training 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 and insurance provided by Aviva.
Types of circuit training insurance
When taking out circuit training insurance through Insure4Sport, there are a few options available to you depending on your needs:
- Individual circuit training insurance: Designed for individuals partaking in solo circuit training at the gym or other similar sports facility, and includes personal accident, public liability, and equipment cover.
- Circuit training coach or instructor insurance: Coach or instructor policies include all the same options available with an individual policy, but with the addition of Professional Indemnity and Employers’ Liability cover.
What does circuit trainer insurance cover?
Individuals
- 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
- Personal Accident – covers accidental injury or death, dental treatment, and more following a circuit training accident
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Theft, loss and damage to circuit training equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Worldwide Cover
- Any claims not linked to your participation in circuit training
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for circuit training)
- Loss or theft of any circuit 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 circuit training equipment where you cannot provide evidence of ownership
- Theft, loss or damage to mobile phones
For more information visit our Important Documents Page.
Coaches & Instructors
- 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 a circuit training accident
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Theft, loss and damage to circuit training equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Worldwide Cover
- Any claims not linked to your participation in circuit training
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for circuit training)
- Loss or theft of any circuit 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 circuit 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 circuit trainer insurance?
Regardless of whether you’re circuit training solo or teaching others, circuit training insurance can provide peace of mind should something go wrong. For example:
Circuit training insurance through Insure4Sport can help cover some or all of the costs involved if:
- You accidentally injure someone or cause damage to their property
- Your equipment is lost, stolen, or damaged
- You suffer an injury while circuit training
Circuit training instructor insurance can also cover you if:
- One of your clients makes a claim against you after getting injured following your instructions
- One of your employees makes a claim against you for injury or illness while working for you
As a circuit training or fitness class instructor, you have a duty of care to your clients and colleagues. Not only does having circuit training or fitness class insurance provide peace of mind, but it can also demonstrate that you’re a careful and responsible trainer.
Do I need insurance to be a circuit trainer?
There is no legal requirement to have circuit training insurance, unless you run a related business that employs staff.
Employers’ Liability Insurance is a minimum legal requirement if you employ staff. This can protect you should a member of staff make an injury or illness claim against you.
Even if you do not employ staff, circuit trainer insurance could still be beneficial. Plus, many gyms and sports facilities may ask for proof of insurance before allowing you to work there.
FREE multi-sports cover
Do more than just circuit training? You could benefit from free multi-sports cover through Insure4Sport.
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Circuit trainer insurance costs through Insure4Sport may vary depending on the type and level of cover you take out.
The quickest and easiest way to get a more accurate cost is by getting a quick quote online.
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Whether you instruct solely from the gym floor or travel to your clients directly for home workouts, you can get cover through Insure4Sport.
We don’t place restrictions on your location, but if you’re running sessions in public spaces, we recommend that you request permission from the relevant authorities. If you’re coaching abroad, you would also need to make sure you have Worldwide Cover on your policy. Appropriate risk assessments should also be carried out according to the location of your sessions.
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To take out circuit training instructor insurance through Insure4Sport, you must hold a relevant qualification recognised by a UK national sport governing body, unless agreed with us otherwise.
First aid certificates and qualifications are not a requirement for your insurance, but these may be required to teach at certain venues.
Looking to insure your gym or studio?
If you own and instruct circuit training in a gym or studio, find out more about how you can financially protect it.
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