Personal trainer insurance Personal trainer insurance

Part of being a personal trainer is giving tailored guidance and health plans to your clients. And while you'll always try to give the best advice, sometimes it doesn't go to plan.

A client could easily leave out some vital information or misinterpret your advice, which could then cause them an illness or injury. If they went on to sue you, professional indemnity insurance can cover legal and compensation costs that are linked to the claim.

If you run a blog or social media account to show the results of your client's progress, you'd also be covered for claims like accidental copyright infringement under our PI cover, as it includes media liability insurance.

Public liability insurance for personal trainers is a popular cover as you regularly work with and around people. This type of cover steps in if a client or member of the public sues you as a result of an incident that happened in one of your sessions or under your direction. This could include a client pulling a back muscle after attempting a move incorrectly, a weight landing on someone's foot or a phone falling out of a pocket during some jumping.

Claims that require legal defense and compensation can become expensive, which you would have to cover yourself if you didn't have insurance.

Another thing to consider is that if you're renting gym or studio space, the owner may require you to have public liability insurance.

With all that movement and equipment, it can be easy for you to have an accident.

Accident and sickness insurance comes in three parts to cover workers aged between 16-69.

Firstly, it’s designed to provide financial support for up to 50 weeks if you or an employee goes on long-term sick leave. It can also provide financial assistance for up to 180 nights if you, or an employee, were hospitalised.

And finally, a lump sum benefit of up to £50,000 can be paid out if you or an employee suffers a serious injury or up to £25,000 in the unfortunate event that an insured person dies.

If you supply your own workout equipment and it gets broken accidentally, our equipment insurance will cover the cost of repair or replacement, so you don't miss a single session. Sports equipment insurance will also cover equipment that you transport to different locations.

Your equipment cover can also pay to repair or replace stolen or damaged electronic items such as your business phone or laptop.

From fellow PTs to part-time admin support, if you hire any employees, you’re legally required to have employers' liability insurance. It's similar to public liability insurance, but covers injury and damage claims made by your employees as a result of being at work.

Our employers' liability offers £10 million of cover as standard.