Personal Trainer Insurance

If you work as an independent instructor and operate from a third-party location such as a sports centre, the operators will also need to see your insurance cover before they allow you to start taking classes or offering personal training at their premises.

Personal trainer insurance covers all of this and more, including:

• Personal trainer public liability insurance – To cover the financial impact of a compensation claim for injury or damage to property, including legal costs
• Professional Indemnity – To cover you as an individual in case someone brings a claim that challenges your actions as a professional
• Employers’ Liability – A mandatory requirement if you employ anyone as part of your business
• Personal Accident – Can provide financial support if you’re unable to work due to an accidental injury while carrying out your job as a personal trainer
• Loss of earnings – may be available through personal accident or business interruption cover, depending on your policy

How much does it cost?

The cost of your personal trainer insurance will depend on the type of cover you choose and how you put together your insurance package with your broker, who can fine-tune it to suit both your needs and your budget.

What activities and classes are covered?

This will depend on your cover and any personal qualifications you hold. Talk to your broker for more details.

Am I covered to provide nutritional advice?

Nutrition is a vital aspect of wellness, alongside physical fitness. However, not all policies cover you to provide nutritional advice. If you offer nutritional guidelines to a client and they suffer illness as a direct result of that advice, they may be able to claim compensation against you as a result. Your Park Insurance broker will be able to advise you further as to what your fitness instructor insurance covers and what it doesn’t – it may require additional professional indemnity cover, depending on your qualifications and the nature of the advice.

Keep your business fit and healthy with Park Insurance

At Park Insurance, we’ve spent over 30 years building a reputation as a broker you can trust. We understand what it takes to create and run a business, and what you need to keep your finances and your business reputation on track. Our position as preferred broker to many of the UK’s biggest insurance providers puts us in a unique position to provide advice and quotations on the most suitable policies available at competitive rates, with no unnecessary extras.

You can use our online quote form for a free, no-obligation quote right now. Or contact one of our advisors for a one-to-one conversation about creating your personalised insurance portfolio. Call us today.