Personal trainer insurance

Q: Will changing from sole trader to limited company affect my insurance policy?

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

Join over nearly a million customers (including 4,500 personal trainers like you) – we offer public liability cover for PTs from £6.67*

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The average PTs insurance claim was £30,995 in the last year (based on 3 successful claims)

*10% of PTs pay the equivalent of £6.67 a month

Personal trainer helping a client outside in the park using ropes

Why do you need personal training insurance?

In your client’s local gym or your own home studio – wherever the job takes you, your clients build their personal goals around your business. From public liability insurance for personal trainers (built to cover damage and injuries) to personal accident policies for your own incidents, our cover works hard to protect the business you’ve built.

public liability insurance for personal trainers starting at £1 million
peace of mind, letting you focus on your client’s progress, not the what-ifs
optional personal accident cover for your own accidents and injuries

What does personal trainer insurance (UK-specific) cover?

We’ll start off with public liability insurance (personal trainer-specific) – a popular protection for the PT industry. You can also include product liability cover, for property damage and injuries or illness caused by items you’ve sold. From there, you can pick and choose the covers that may suit your business, from personal accident insurance to employers’ liability cover, which is a legal requirement for most employers.

Public liability insurance for personal trainers

In case your PT business causes an injury, illness or property damage.
Employers’ liability insurance

In case an employee gets sick or injured while working for you.
Tools insurance

In case specialist kit like your kettlebell is lost, stolen or damaged.
Stock insurance

In case the supplies you rely on are lost, stolen or damaged.
Business and office equipment insurance

In case something happens to equipment like your treadmill or tablet.
Legal expenses insurance

In case you’re faced with legal costs while running your PT business.
Personal accident insurance

In case you or anyone you’ve covered has an accident at work or elsewhere.

Public liability insurance for personal trainers

In case your PT business causes an injury, illness or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:
- damage caused by your business to someone else’s property
- injury caused by your PT business, or because of your work
- accidental damage or injury caused by your employees
If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

For example:
- a client breaks their arm in a training session and decides to claim against you
- your pregnant client falls during a workout with you, and needs hospital treatment
Read more about public liability insurance
Employers’ liability insurance

In case an employee gets sick or injured while working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:
- an injury or illness that comes as a result of working for you (including temps and casual workers)
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:
- one of the trainers you employ is injured while using faulty equipment in your studio and claims compensation
- a temp you’ve hired dislocates their shoulder during a park run and makes a claim against you
Tools insurance

In case specialist kit like your kettlebell is lost, stolen or damaged.

What’s typically covered by tools insurance?
- your fitness and assessment equipment, like a percussive therapy device or other portable electronic tools
- theft or accidental damage while your tools are on a client’s premises, or in transit (in the UK, and in a vehicle you own or lease)
For example:
- your kettlebell set is stolen during a break-in at your studio
- while running a park bootcamp you lose your latest generation flywheel training device
Read more about tools insurance
Stock insurance

In case the supplies you rely on are lost, stolen or damaged.

What’s typically covered by stock insurance?
- loss, damage or theft of the essentials you keep in stock, like protein and energy products or branded materials
For example:
- a new import of keto bars you keep in stock for clients is stolen from your business premises
- a fire in your studio damages your stock of branded towels and water bottles
Read more about stock insurance
Business and office equipment insurance

In case something happens to equipment like your treadmill or tablet.

What’s typically covered by business and office equipment insurance?
- accidental loss, damage or theft of the equipment you use to run your PT business, like your laptop or tablet
For example:
- the tablet you use to track your clients’ workouts is stolen from your bag during an outdoor training session
- a flood in your workout space damages three new treadmills and your laptop
Read more about business and office equipment insurance
Legal expenses insurance

In case you’re faced with legal costs while running your PT business.

What’s typically covered by legal expenses insurance?
- the costs you incur from day-to-day business issues, like a contractor dispute
- legal costs associated with property damage, nuisance or trespass
- dealing with HMRC, tax and compliance issues, if they end up costing you money or you need legal representation
- a tax advice helpline, 24/7 confidential legal support and crisis PR assistance to help you protect your reputation as a sought after PT
For example:
- HMRC investigate your business tax affairs as part of a random spot-check, and you need legal representation, with cover for your costs
- a summer temp sues you for unfair dismissal
Read more about legal expenses insurance
Personal accident insurance

In case you or anyone you’ve covered has an accident at work or elsewhere.

What’s typically covered by personal accident insurance?
- injury or death at work – or off duty – for anyone covered by your PT insurance policy
- lost income, medical costs and hospitalisation benefit
For example:
- you’re running a bootcamp and a client drops a kettlebell, breaking a bone in your hand and forcing you to take two weeks off work
- your employee falls down some steps at a wedding, breaking their knee and signing them off work for three months
Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does PT insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Personal trainer insurance quotes from £6.67 per month

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*The price is for up to £2 million of public liability insurance – 10% of personal trainers paid £80.04 or less annually between 1st Jul – 31st Dec 2025. Equivalent to £6.67 a month (and excludes the extra costs for paying monthly). 84% of customers have a £1 million limit and 16% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.

Example personal trainer insurance quotes, real prices

£7.22 /month

£52.20 /year

A newly self-employed personal trainer who works from a gym and in clients’ homes

Less than 1 years’ experience
Sole trader
No employees
Based in Birkenhead

Public liability

£1,000,000

Employers’ liability

Not included

Business equipment

Not included

Legal expenses

Not included

£23.11 /month

£205.40 /year

A personal training limited company that hires out a studio and works with professional sportspeople

5+ years’ experience
Limited company
2 employees
Based in Middlesbrough

Public liability

£1,000,000

Employers’ liability

£10,000,000

Business equipment

£5,000

Legal expenses

Not included

How we work out example quotes: These examples are real quotes from our online system (created 23/09/2020). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover	Lowest excess	Highest excess
Public liability	£100	£2500
Employers’ liability	No excess	No excess
Tools	£60	£500
Stock	£100	£500
Business and office equipment	£50	£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

Pick what goes into your policy

Only pay for what you need

Get prices from a range of insurers

Choose the best fit for you

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Get your documents the same day

Start your quote

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Can I just cover my most expensive tools?
Which type of workers do I need insurance for?
Will tools insurance cover all my equipment?
Does PT insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?

Can I just cover my most expensive tools?

Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.
Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Will tools insurance cover all my equipment?

Depending on what you use to do your work, you may need other covers.

You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.
Does PT insurance cover my work correctly?

Make sure you’re picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you’ll need additional cover. For example, do you need to consider massage insurance or fitness instructor insurance?
Do I need cover for other types of work?

If you provide other services, make sure you’re covered:
Other types of insurance
Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

Call our team

0333 043 8527

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Contact us on our website whenever suits you

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Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£57 million in claims paid out in 2025 – The average PTs insurance claim was £30,995 in the last year (based on 3 successful claims)

The figure above is rounded across our range of products. The average PTs claim was £30,995 (based on 3 successful claims) between 1st March 2025 – 28th Feb 2026. Our specialist partner Sedgwick will pay the claims on behalf of the insurer.

PT insurance claim example

Having personal training insurance through Simply Business has saved fitness professionals thousands of pounds when the unexpected happened.

Steve saved more than £6,000

A fire at the unit next to Steve’s (not his real name) studio caused serious damage to his PT space, including a smashed glass door and water damage from the fire crew’s work to stop the spread. Steve’s insurance covered the fire damage, as well as lost business income during the repair work.

Insurance payout

£6,014.00

Covering the cost of fire damage

Steve’s costs

£100

The excess amount stated in Steve’s policy terms

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Personal trainer insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about PT insurance – starting with what insurance do I need as a personal trainer? You can also check out our business insurance FAQs.

What insurance do personal trainers need?

Public liability insurance will be a key cover for many personal trainers and other fitness instructors – it’s built to cover you for injuries and property damage, if your client or another member of the public makes a claim. Is there a risk that your client could get injured and sue for compensation, for example, because of your work?

Alongside public liability insurance for PTs, you may want to add cover for things like your essential business equipment, kit, tools and stock. And if you employ anyone (including contractors or temps), employers’ liability cover is usually a legal requirement.

Why do personal trainers need insurance?

From client injuries and property damage to an employee getting hurt, the business of fitness carries specific everyday risks. A PT insurance policy is designed to keep your focus on your clients and their progress, not all the things that could go wrong.

There’s no legal requirement for insurance for personal trainers in the UK, unless you employ anyone – if so, employers’ liability cover is usually required by law – but if you were hit with an expensive injury claim, for example, would you have the necessary funds to manage it?

Can I add cover for a different trade or profession mid-way through my policy?

Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 043 8527 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

Will changing from sole trader to limited company affect my insurance policy?

Does public liability insurance cover my business for the actions of my employees?

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Personal trainer insurance

Why do you need personal training insurance?

What does personal trainer insurance (UK-specific) cover?

Public liability insurance for personal trainers

What’s typically covered by public liability insurance?

Employers’ liability insurance

What’s typically covered by employers’ liability insurance?

Tools insurance

What’s typically covered by tools insurance?

Stock insurance

What’s typically covered by stock insurance?

Business and office equipment insurance

What’s typically covered by business and office equipment insurance?

Legal expenses insurance

What’s typically covered by legal expenses insurance?

Personal accident insurance

What’s typically covered by personal accident insurance?

How much does PT insurance cost?

Example personal trainer insurance quotes, real prices

What kind of excess should I expect?

How it works

Pick what goes into your policy

Get prices from a range of insurers

Buy online in minutes

How do I choose insurance?

Can I just cover my most expensive tools?

Which type of workers do I need insurance for?

Will tools insurance cover all my equipment?

Does PT insurance cover my work correctly?

Do I need cover for other types of work?

Which public liability cover limit should I choose?

Talk to an expert

Online

Phone

FAQs

How do claims work?

£57 million in claims paid out in 2025 – The average PTs insurance claim was £30,995 in the last year (based on 3 successful claims)

PT insurance claim example

Steve saved more than £6,000

Compare and buy in minutes

Rated 4.5/5

Here to help

24/7 claims

Personal trainer insurance FAQs

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