Insurance Considerations for Personal Trainers

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Insurance for Personal Trainers

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Sometimes Professional Indemnity Insurance is Needed

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Reviews related to exercise instructor insurance

  • Great website - super easy to obtain personal trainers insurance!

    Ken R
    Personal Fitness Trainer/Service

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Why do Personal Trainers and Fitness Professionals need it?

Give that kettlebell a rest and get personal about your insurance. With just a few clicks or a single phone call, BizCover can get your business in shape with multiple quotes from leading insurers. Select your preferred policy and you’ll be covered before you can say ‘workout of the day’. 

Did you Know?

As a fitness professional operating a business, you require permission from your local council if conducting exercise sessions in outdoor areas. 

Insurance for Personal Trainers and Fitness Professionals

Professional Indemnity 

As a personal trainer it’s your job to create unique exercise plans that will help your client reach their fitness goals. However, mistakes happen, accusations can be thrown around, and claims are made, whether right or wrong. Professional Indemnity Insurance* is designed to have your back. It protects your business from losses incurred as a result of claims of actual or alleged negligent acts or omissions in the provision of your professional service or advice to your clients. Some common examples of claims personal trainers can face relating to their professional advice or service include: 

 Professional Indemnity Insurance will also assist with the legal costs associated with responding to or managing claims which are covered by the policy. 

Public Liability Insurance* 

Public Liability insurance is important to keep your business fighting fit.  In fact, it’s likely that Public Liability insurance is required if you operate as a contractor to a gym or fitness studio, or to obtain a council permit to operate your business in public areas. 

Public Liability insurance is designed to provide protection for you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities. 

For example, your client trips over a piece of fitness equipment and fractures their wrist.  Your customer could be able to seek compensation from you for the injury, together with medical costs and loss of income.    Public Liability insurance offers you piece of mind in the event an unwanted personal injury or property damage claim arises. 

Business Insurance* 

If you own expensive fitness equipment then it might be worth considering Business Insurance to cover against loss, damage or theft.  It can also provide cover for any stock that you carry, such as supplements and protein bars etc. 

Portable Equipment insurance – This provides cover for your tools and other equipment used for business purposes only which travel with you  

Contents insurance – Covers your business contents or stock if they were damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy.  

Personal Accident and Illness* 

Your body is your business. If you were to seriously injure yourself or fall ill it is likely you will need to take time off work to recover.  No matter how fit you are, accidents can still happen on and off the job. Personal Accident and Illness insurance  can provide levels of cover for loss of income, permanent disablement and even death if you are unable to work as a result of an injury or illness (even if it occurs outside of work). You can stress less about paying the bills while you recover from an injury or illness. 

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this web page is general only and should not be relied upon as advice.