Personal Trainer Insurance - What Do You Need?

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Personal Trainer Insurance UK

As a personal trainer, you take pride in delivering world-class service to your clients, tailored specifically to their goals and aspirations. You’ll spend time getting to know your customers, helping them improve both their diet and physical fitness and eventually getting them to the level they want to be.

However, things can go wrong, and when they do it’s important to make sure you’re covered, both for the sake of you and your clients. We’ve put together this guide to cover everything you need to know about Personal Trainer insurance in the UK, what you’ll need and how much it’s likely to cost.

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Popular Types of Insurance for a Personal Trainer

Working as a personal trainer involves gaining the trust of your customers and providing them with world-class advice and guidance. However from time to time things can go wrong, and when they do your customers health, your health and your financial situation can be put at risk. A quality insurance policy can help mitigate this, protecting both you and your clients.

Common Types of Personal Trainers Insurance & What They Cover
1.Public LiabilityProtection if a third party (customer, other trainer, general public) incurs damages or injury as a result of your work
2.Employers' LiabilityCoverage if somebody you employ is injured or becomes unwell due to their work for you
3.Professional IndemnityCovers you if your client believes you provided them bad advice or is unhappy with your service
4.Sports EquipmentReplacement kit if something is stolen, accidentally lost or broken
5.Personal AccidentIncome protection if you’re unable to work due to injury or illness

Personal Trainer Insurance Examples

  • Public Liability: You’re with a client in a public gym, when you drop a weight on the floor and damage it. The gym sues you to repair the floor.
  • Employers’ Liability: A member of your team is injured while working, and believes your negligence caused the injury. The sue you to cover their lost income.
  • Professional Indemnity: A customer is unhappy with the advice and service you provided, and sues you to get a refund.
  • Sports Equipment: A set of weights you keep with you is stolen overnight.
  • Personal Accident: You hurt your back on a deadlift and can’t work for 6 weeks.

FAQ’s

Yes, personal trainers definitely require some form of insurance. Many customers will insist you have a policy beforehand, and if you’re operating in a public gym or under the umbrella of another business then you’ll definitely need your own protections.

Every personal training insurance policy is different, but a standard one is likely to include Public Liability and Professional Indemnity. You’ll be able to add Equipment and Accident coverage if you want to, and your insurer should automatically add Employers’ Liability if they know you’ve got any staff (or intend to in the near future)

As with other insurance types, there are a few simple ways to help you save when setting up your insurance policy:

  • Look at quotes from a number of different providers and aggregators
  • Opt for lower coverage levels
  • More experience as a personal trainer
  • A history of no claims bonus

Keep in mind that there are also a few factors that you’re less able to control that will have an impact on the price you pay—things like age, your location and how much revenue your business generates each year will all have an impact on the eventual cost of your coverage.

There are a few factors unique to personal training that might increase or decrease the cost you pay—obvious things like your age and experience in the industry will play a key part, but there are a few other questions you may need to answer when you’re signing up.

  • Working with pro athletes
  • Working outside the UK
  • Offering massage treatments
  • Hiring out equipment, either offering out your own or hiring from another business

What insurances do you need to be a personal trainer?

Most good personal trainers hold both a Public Liability and Professional Indemnity insurance policy. They're commonly sold together, with some providers even offering Professional Indemnity for free with the purchase of a Public Liability policy. Most gyms won't let you operate within them if you don't have a Public Liability policy, so holding one is well worth it if you're going to be working in a gym owned by another business.

If you’re bringing on any staff, even if only part-time or on a short-term contract, you’re legally required to hold an Employers’ Liability policy. You’re unlikely to need one if you don’t hire staff, or have any intention to in the future, but you will definitely need coverage if that changes in the future so don’t forget about it.

Sports Equipment cover is great if you’re regularly transporting and using your own equipment with customers. It’s often bundled together with Goods in Transit, which will cover you if your equipment is damaged on the move. Neither is compulsory, but can be valuable to any trainer relying on their own equipment to do their work. Many insurers will also package in Goods in Transit to your Equipment cover for free or at a sizeable discount.

Finally, Personal Accident can help protect you from the numerous physical risks you’ll face as a PT. Injuries do happen, and if you’re not sure how you’d cover your bills if you did need to take time off then you should consider covering yourself sufficiently.

How much does Personal Trainer insurance cost?

The average cost of Public Liability insurance for a personal trainer is around £75 per year for £2M of cover. A more well rounded policy, including £2M of Public Liability, Personal Accident and £1,000 worth of Sports Equipment cover will cost somewhere around £247 annually.

graph showing the average cost of personal trainer insurance in the UK
Average Cost of Personal Trainer Insurance
£2M Public Liability£75
£5M Public Liability£123
£2M Public Liability, £1,000 Equipment£142
£2M Public Liability, Personal Accident£181
£2M Public Liability, Personal Accident, £1,000 Equipment£248
£2M Public Liability, Personal Accident, £1,000 Equipment, 1 Employee£550

More Information on Types of Personal Trainers Insurance

Public Liability Insurance Personal Trainer

Public Liability Insurance will cover you in the event that a third party (client, general public, other business) is injured or sustains damages as a result of your work. It’ll cover any compensation a court awards against you, and any legal expenses you collect in the process of defending yourself.

Employers’ Liability Insurance

Employers' Liability Insurance will cover you against claims made by your employees if they believe they’ve been injured or become unwell as a result of working for you. Similar to Public Liability, it’ll cover any legal expenses and compensation awarded.

If you hire any staff in the UK it is a legal requirement, and you can be fined up to £2,500 per day that you employ staff without a valid policy.

Professional Indemnity Insurance

Professional Indemnity Insurance will protect you in the event a customer is dissatisfied with your work/service. This would include issues with the quality of your service, a disagreement in the methods used or dissatisfaction with the eventual outcome, amongst other things.

As someone who makes their living advising and guiding their customers, it’s highly advisable that you hold a policy before taking any clients on.

Sports Equipment Insurance

If you’re using your own equipment to support your customers then you’ll want to consider Sports Equipment Insurance. It’ll cover you if your equipment is stolen, lost or accidentally damaged, allowing you to quickly purchase a replacement and limiting the impact on your customers.

It’s by no means a requirement, but if you would risk losing new customers or making your existing ones unhappy by missing certain pieces of equipment it’s well worth the investment.

Personal Accident Insurance

Personal Accident Insurance will cover a percentage of your income if you’re unable to work due to injury or illness. It’s especially important in the Health & Fitness world, where your body plays a key part in your ability to earn. Consider if you’d be able to cover your bills if you were out of action for an extended period—if not, a policy might make sense for you.

Quotes were collected for a sample trainer in North-West London with 2-3 years of experience in the industry. At least 6 quotes were gathered in order to create our averages. It’s possible your cost may end up more or less, depending on your risk profile.

Luke Masters

Prior to NimbleFins, Luke studied economics at Brunel University and worked at FreshMinds, Investigo and BMW. His work in data analytics, pricing, strategy and business development now help him write business insurance content to support SMEs. Read more on LinkedIn.

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The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.