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.