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Insurance for personal trainers

Personal trainers should consider a range of insurances, including professional indemnity, public liability, and life insurance.

Do personal trainers need insurance?

In many situations, personal trainers are required to hold an adequate level of public liability insurance. However, there are additional business insurances that PTs may want to consider.

Public liability

The most common cover for personal trainers. This covers you if someone sues for injury, damaged property, or death due to your business activities.

Public liability insurance is often compulsory if you work as a contractor, for example within a gym, or at a public space such as a park.

Example 1: A member of the public trips on your bootcamp equipment and breaks their arm.
Example 2: You accidentally scrape a clients new car when carrying equipment into their home.

Professional indemnity

Covers you if a client sues on the basis of poor professional advice or breach of contract.

Example 1: You design an recovery plan for an injured client, but it worsens their injury.
Example 2: You guarantee a client will win a competition with your help, but they don't.

Life insurance

Life insurance doesn't just pay out when you die. It can also cover a percentage of your income or pay a lump sum if you're unable to work due to injury or illness.

Example 1: You're injured and unable to work for six months. The income protection policy you purchased covers 70% of your wage while you're off.
  • Example 2: You're diagnosed with a degenerative disease and can no longer work. The total and permanent disability policy you purchased pays a lump sum.
  • There are other types of insurance you may want to consider depending on the scope of your personal trainer business, including:

    Do personal trainers need insurance if they're working from a gym?

    Your insurance needs will vary depending on your particular employment situation. In most cases, this is what you can expect:

    Direct employees - Insurance needs are usually covered by the gym.

    Contractors - Will likely be required to hold an adequate level of public liability insurance at a minimum. Should consider professional indemnity cover too.

    Sole traders - Will likely be required to hold an adequate level of public liability insurance. Should consider professional indemnity cover too.

    Is it worth getting public liability insurance for personal trainers?

    Public liability is an extremely important type of insurance for personal trainers. It covers accidental property damage as well as injury or death of another person.

    In many cases, it's mandatory for working in particular environments. You may want to consider public liability insurance if any of these apply to you:

    • You're a contractor, sole-trader, or self-employed
    • You operate out of a gym or fitness studio
    • You operate in public spaces, such as parks or beaches
    • You visit clients in their own homes

    Is it worth getting professional indemnity insurance for personal trainers?

    Professional indemnity insurance is also important, but is usually considered optional rather than mandatory. You may want to consider professional indemnity insurance if any of these apply to you:

    • You're a contractor, sole-trader, or self-employed
    • You give exercise or diet advice to clients
    • You guarantee specific results for clients

    Expert insights

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