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What our Nerds say about personal trainer insurance

HENRY

BUSINESS NERD

Helping clients achieve their fitness goals as a personal trainer (PT) can be a truly rewarding experience. But no matter how careful you are, accidents can happen. And if you’re not adequately insured, you could see your hard-earned gains wither away.

The products included in personal trainer insurance packages can protect you from the financial consequences of a client injury or damage to equipment, and ensure you’re still earning if you’re unable to work because you've been involved in an accident.

Whether you’re just starting out or you’ve got experience and just looking into insurance for the first time, this page will explore personal trainer insurance for personal trainers in the UK, explain personal trainer insurance costs, and answer your burning questions.

What is personal trainer insurance?

Personal trainer insurance is not one specific insurance policy, but rather a term used to describe a set of products that could be useful for those working as a personal trainer. For example, these might provide cover in the event that one of your clients is injured during a session or can compensate you for loss or damage to your equipment.

Public liability insurance for personal trainers

As a personal trainer, public liability insurance is one of the most important types of cover. If a client is injured or dies, or their property is damaged, during a training session with you, public liability insurance could ensure you’re covered against any legal costs, as well as claims for compensation, medical bills, loss of earnings, and repair of damaged items.

Professional indemnity insurance

Professional indemnity insurance for a personal trainer is also a good idea. It can provide cover for legal and compensation costs in the event that a client decides to sue you for professional mistakes or negligence – for example, if they’re injured while following your training advice.

Sports equipment cover

As a personal trainer, you may own the equipment you use to get your clients into shape. If any of these items were lost, stolen or accidentally damaged, sports equipment cover could help you with the financial costs of replacing these tools of the trade.

Personal accident cover

You may also want to consider personal accident insurance, which provides financial support if you are injured and unable to work as a result of an accident, and business equipment cover to compensate you for lost, damaged or stolen fitness gear.

Why might I need personal trainer insurance?

Even if you’re a super-cautious and experienced PT, instructing a client to lift heavy objects, use complex gym equipment, and do dynamic movements can result in injuries that you’re likely to be liable for. That’s why it’s worth considering an appropriate personal trainer insurance package.

Besides, public liability insurance may be required for a personal trainer by third party facilities, such as a gym or leisure centre, which would demand to see a minimum level of cover before you are allowed to train clients on their premises.

Also, if you employ staff, you’re legally required to have employers’ liability insurance of at least £5 million to cover you for any accidents or injuries they might suffer. The only exception is if your employees are family members (unless you are incorporated as a limited company) or are based abroad.

What does personal trainer insurance cover?

The products included in personal trainer insurance packages may give you financial protection if a client or member of the public is injured or their property is damaged while under your instruction. It can also cover you for time spent off due to a personal injury, and replace lost, damaged, or stolen fitness equipment.

What is or isn’t covered by personal trainer insurance will generally be determined by what products you choose to include in your policy. Often, you can customise your policy to match your specific needs.

What is usually included in personal trainer insurance?

The following usually form the cornerstone of a personal trainer insurance policy:

Of course, there may be other insurance products that you would like to include in your cover.

What isn’t usually included in personal trainer insurance?

One type of insurance that isn’t commonly included in a personal trainer insurance policy is product liability insurance.

However, if you are recommending products, such as supplements or even fitness equipment, there is a chance you could be sued if they have an adverse reaction or a client is injured. The risk is increased to you if you do sell products to your client, or offer them free samples, in which case product liability insurance could make sense.

Business car insurance is also unlikely to be included in your policy and will usually need to be added separately. You would only need to consider this, though, if you regularly travel to appointments.

Can I get personal trainer insurance without certification?

While your insurer might not ask for proof of personal trainer certification when you take out a policy, if you’re not properly qualified, they likely won’t pay out if you try to make a claim. On the other hand, some providers may ask for proof of qualification.

Being dishonest in your application for any form of insurance is likely to invalidate your policy, so it is important to fully disclose information when you apply.

Do you need insurance for online fitness classes?

While you’re not legally obliged to have insurance for online fitness classes you give, it’s wise to ensure you are adequately covered. Clients can still get injured by following your advice online in their living room and make a claim against you, just as they could if you were training them in person.

Some insurance providers have started automatically including online personal training cover in their packages, but check with each individual insurer whether or not their policy covers you for online activities, and whether there are any restrictions such as limiting online training cover to UK-based clients.

Are there restrictions on where I train?

Your personal trainer insurance will likely cover you wherever you choose to train your clients, whether that is at a gym, in someone’s home, or in a public space. However, it is always important to check your policy beforehand.

If you would like to train outside the UK, then you may need to amend your existing policy.

Will I be covered to give nutritional advice?

As long as giving nutritional advice is part of your personal trainer qualification, then your insurance policy should cover you for this part of your job. Again, it is always important to check your policy ahead of time to make sure you are covered.

How much does personal trainer insurance cost?

The cost of your personal trainer insurance could depend on a number of factors, including:

  • your location
  • the scale of your operation
  • how much cover you need
  • your claims history
  • whether you have any employees
  • how much voluntary excess you pay

The number of clients you see and how regularly you see them may not affect the cost of your policy. However, you should confirm this with your provider.

What kind of excess will I pay?

The size of your personal training insurance policy’s excess – the amount you agree to pay towards any claim you make – will depend on a few factors, including the policy itself, how much your insurer expects you to pay as a compulsory excess, and whether you decide to pay any voluntary excess.

Paying a higher excess can reduce the cost of your premiums, but work out whether you can afford to pay a larger sum towards settling an insurance claim before going ahead.

How to choose the best personal trainer insurance policy for you

To get the best personal trainer insurance for your business, you first need to establish how much and what types of cover you need for your particular circumstances. This means assessing your training environment for potential risks to clients and calculating the total value of your fitness equipment.

Once you’ve done that, you’re ready to start looking at personal trainer insurance. Just click ‘start your quote’ and follow the step-by-step process.

Personal trainer insurance FAQs

What insurance should a personal trainer have?

As a starting point, a personal trainer may want to consider public liability insurance and professional indemnity insurance to protect against claims for compensation made by a client if they’re injured or their property is damaged.

Legally, though, the only insurance you need is employers’ liability insurance, and only then if you employ someone outside your family who is based in the UK or your business is incorporated as a limited company.

» MORE: Do I need business insurance?

Do personal trainers need insurance in the UK?

If you’re using third party facilities such as a gym or fitness centre to see your clients, most of these venues will require proof of a minimum level of public liability insurance.

Likewise, if you employ anyone outside of your family who is based in the UK, you are legally required to have a minimum of £5 million in employer’s liability insurance.

Do personal trainers need professional liability insurance?

Professional indemnity insurance is a good idea for personal trainers as if a client is injured as a direct result of your fitness advice, you could be liable.

While it is not a legal requirement, it is well worth considering, especially if you do not think you could cover the cost of a claim made against you.

About the author

Henry Williams
Henry is passionate about helping individuals and businesses stay informed. Over the last 8 years, he’s written for startup and small business sites, with a focus on finance, insurance, and websites. Read more
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