Personal trainers and fitness instructors face a range of unique risks, many of which could result in costly claims and other expenses:

• Damaged Equipment – If your fitness equipment or your tech is lost, damaged, or stolen, your insurance can cover the costs of repairs or replacements.
• Injured Clients – If a client injures themselves during a session, they may take legal action against you, with a negligence claim. In this case, your insurance would cover your legal fees, along with any compensation payments that may arise.
• Personal Injury – If you injure yourself while leading a class, you could be out of action for days or weeks. Your insurance would cover your earnings, along with your medical expenses, so that you would suffer no loss of income during your recovery.

Personal trainers and fitness instructors can benefit from a range of insurance protections, including:

• Public Liability Insurance for PTs and Fitness Instructors – Public liability insurance can cover members of the public for any injuries they sustain while working for you, as well as for any damages to their property. If you work at multiple gyms or fitness centres, or if you offer home visits, then your public liability insurance can also cover accidental damage to other peoples’ property while you are on the job.
• Professional Liability for PTs and Fitness Instructors – Professional liability can cover you for claims of negligence, or professional misconduct. For example. If someone pulls a muscle or otherwise injures themselves during one of your sessions, your professional liability insurance can cover your legal fees, as well as possible compensation payments.
• Tech and Equipment Cover – This can cover personal trainers and fitness instructors for loss as a result of damage to their equipment, such as treatment tables and exercise equipment. This cover can offer repair or replacement to equipment damaged through flood, fire or theft.

Core areas of cover can include:

• Public liability insurance
• Professional liability insurance
• Personal injury cover
• Contents cover for tech and equipment
• Business interruption insurance
• Buildings insurance
• Legal fees cover
• Cyber insurance

We will take the time to get to know you, and the health and fitness services you offer, so that we can fully understand the unique risks you face as a personal trainer or a fitness instructor. We can then help you get a comprehensive tailored insurance package that meets all of your needs at a competitive price.