Personal trainer insurance

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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.


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.

Prices start from £4.74 per month

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Example personal trainer insurance quotes, real prices

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

Get prices from a range of insurers

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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.


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

Online

Contact us on our website whenever suits you

Phone

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.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

Example claim

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.

Chosen by nearly 1 million small businesses and landlords

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.

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.

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?

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.

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.

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


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