Fitness Instructor Insurance Quote

What is fitness instructor insurance?

When working with people, especially while they are exercising, there will always be the risk of injury. As a fitness instructor, you could be found liable if your clients are injured.

That is why it might be worth considering taking out a comprehensive fitness instructor insurance package. Not only will it cover you if one of your clients gets hurt on your watch, but it can help protect your equipment, your business premises, and even your own health.

The two main policies in a fitness instructor insurance package will typically be public liability insurance and professional indemnity insurance.

Public liability insurance for fitness instructors would cover the compensation costs and legal fees related to injury, illness or property damage caused by your business activities. For example, a client making a claim against you for a muscle they tore in one of your fitness classes.

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Professional indemnity insurance for fitness instructors, on the other hand, is designed to deal with claims of negligence or error that arise from advice you give to your clients.

An example of this could be a client falling short of their weight loss targets based on a fitness plan you created. The client may claim that your plan was inadequate, and that they will incur financial loss trying to meet their targets through other means. Professional indemnity insurance would cover the costs for such a claim.

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A good fitness instructor insurance plan doesn’t just stop with public liability and professional indemnity cover, however. If you have any employees who are not family members, you are legally required to take out an employers’ liability insurance policy.

Meanwhile, given the expensive equipment you may be working with as a fitness instructor, you may want to make sure you also have sports tools and equipment insurance. This will help pay to replace items, such as dumbbells and running machines, if they are accidentally damaged or stolen.

Of course, as a fitness instructor you are also at risk of injury. That is why many fitness instructor insurance packages also include personal accident cover. This means if you get hurt while on the job, you may be covered for your lost income.

What does fitness instructor insurance cover?

There isn’t one type of insurance called ‘fitness instructor insurance’. Instead, it is an umbrella term for a collection of policies best suited to that profession. Each of those policies will cover the compensation costs and legal fees related to a claim.

Below, we go into which policies you can expect your fitness instructor insurance to typically include, and what it might not normally cover.

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What is usually included in fitness instructor insurance?

When searching for fitness instructor insurance, most providers will include the following policies as standard:

• public liability insurance
• professional indemnity insurance
• sports equipment insurance
• personal accident insurance

Other optional forms of insurance that may be useful to a fitness instructor include, but are not limited to:

• employers’ liability insurance if you are an employer
• business buildings and contents insurance if you own your business premises
• product liability insurance if you sell any goods

What isn’t usually included in fitness instructor insurance?

What your fitness instructor insurance doesn’t cover will be determined in part by what you choose to pay for.

So if you don’t include sports tools and equipment insurance, and your running machine is accidentally damaged, you won’t be able to make a claim to replace it.

It is also important to note that you may need to take out separate cover for work laptops, phones and speaker systems, as not every equipment insurance policy will include these as standard. Similarly, your sports tools and equipment insurance won’t cover damage caused by general wear and tear over time.