Build your cover to suit your way of working, our insurance for personal trainers and fitness instructors includes:
You’ll have the choice of £1 million, £2 million or £5 million of public liability insurance for personal trainers included in your policy.. It will protect you against a claim from a third party who may be injured or have their property damaged due to an act of negligence on your part. Be aware that deliberate acts will not be covered.
Personal trainer professional indemnity insurance provides protection against allegations of negligence, malpractice and breach of professional code of practice. The policy therefore covers legal costs and expenses associated with your defence as well as damages or costs that may be awarded to your client. Again, any deliberate act of negligence or malpractice will not be covered.
You may provide advice on fitness, general well-being, recommended supplements and nutrition. If a client has a bad reaction to any of the products you have advised, they may seek compensation from you, that’s where product liability insurance will protect you. You’ll also be insured to conduct pin prick blood tests during the course of your work but you will not be covered to cook meals for your clients.
We aim to cover as many different scenarios as possible so you’re personal trainer’s policy will insure you for work in a gym, at a client home, outdoors or in fact most places worldwide (please check your policy documents for geographical exclusions). In addition, you can train individuals or groups of as many people as you need.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
Our claims team are on hand to help you if something goes wrong or you need advice. It’s important you contact us in the first instance and we will contact the insurer on your behalf and arrange solicitors where necessary
If a situation arises that might lead to a claim you should contact immediately on the number listed below. We’ll need any correspondence relating to the claim or potential claim and we advise you not to speak with the claimant or their representatives to avoid prejudicing the outcome.
We are happy to discuss circumstances with you even if they do not lead to a claim so please do call us if you are concerned about a situation. This will not prejudice your claim but we will be able to advise you on the best course of action.
Give us a call and we’ll help settle your claim
They are available from 9am-5pm weekdays.
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No need to let us know how many clients you will be seeing throughout the year, it will not affect the terms of your policy.
Cover for you to work from your clients home is automatically included in the policy. You can also work from your own home however, we need to make you aware that if anything was to get damaged within the home then this will come under the home insurance and so you will need to let your home insurers know.
We like to keep things simple so there’s no need for us to see a copy of your qualifications to insure you. We operate on the principle of utmost good faith so we trust that you have the experience and qualifications required to be a personal trainer. If however you try to make a claim and it turns out you do not have the relevant qualifications we will not be able to pay your claim.
Yes, we do not specify how much experience you have in the area or where you studied.
No, we do not specify an age.
Yes we can provide cover for you to work outside of the UK as long as you live and are based in the UK and do not have any assets in the country you would like to work in, for example a house. As it is a UK policy if a claim was made for the work you have done in another country we would then need to bring the claim back to the UK to go through UK courts. If you had a house in the country for example, they would then try to take monies from your assets to protect the claim.