Whether you're a Personal Trainer, Group Fitness Instructor or a CrossFit guru, considering what is the right professional insurance cover for your individual needs is essential. Gallagher can help with effective and affordable insurance solutions with policies underwritten by global insurance market leaders. Just like a tailored workout program for your clients, our fitness insurance solution is designed around your individual needs.

Some of the fitness professions we cover are listed below. If you don't see your profession listed, or are seeking to cover your Studio, Home Studio, or Gym, please contact one of our dedicated experts via our form or by calling 1800 222 012.

Some of the fitness professions we cover

  • Personal Trainers
  • Gym Operators / Owners
  • Yoga Instructors
  • Pilates Instructors
  • Group Fitness Instructors
  • Aerobics Instructors
  • Bootcamp Instructors

Cover that works as hard as you

Gallagher insurance for fitness professionals combines professional indemnity and public liability cover. Our policies offer sensational value and true peace of mind.

Professional indemnity insurance

Provides cover for claims that may arise from a breach of duty of care that you are obliged to provide as a qualified fitness professional. For example, a client (or other third party) may allege that they've suffered a loss due to negligence in the advice, design or service provided by you. Their 'loss' may include any or all of bodily injury, property damage or financial loss. For instance, if a client injured their back and alleged is it is due to your advice while working out under your guidance and was unable to work for an extended period. Professional indemnity helps protect your reputation, your business and your business assets.

Public liability insurance

Covers you for a claim against you (or any staff members) for bodily injury or property damage that may arise from the operation of your business as a personal trainer or fitness instructor. Whether you're operating in a gym or conducting approved outdoor sessions, this essential insurance has you covered for claims from clients, gym members or other users of shared or public spaces.

Gallagher is the only insurance company to be recognised as one of the World's Most Ethical Companies so you can be confident that our cover is tailored to the specific needs and interests of fitness professionals.

To the extent that any material on this page may be considered advice, it does not take into account your objectives, needs or financial situation. You should consider whether the advice is appropriate for you and review any relevant Product Disclosure Statement and policy wording before taking out an insurance policy.

If you are running your own commercial premises or a home studio, we will need to provide an alternative policy. Ask us how we can tailor insurance cover for all your business needs. 

What our clients have to say

Andrew Frazer

Listen to Your Body

"We moved across to Gallagher in 2018. They took the time in multiple phone conversations and emails to understand exactly what our business was and what we needed. The end result was we were able to trim away coverage compared from our previous insurer that we didn’t actually need, and increase protection where we did need it."

Jeff Osborne

Personal Trainer

"Getting PT insurance through Gallagher was super easy, fast and they found me a great deal with a tricky situation. Highly recommended."


CrossFit Wollongong

"I have been a client with Gallagher for quite a few years. The reason I stay as a client is due to the professionalism, knowledge base and brilliant customer service Gallagher delivers in every phase of their business. I believe you need to trust your colleagues to have your best interests at heart to fully protect your insurance needs. I definitely trust Gallagher to look after me and my business."

Why choose Gallagher

  • Specialist advice from experienced experts
  • Technical expertise, practical knowledge
  • Local branches supported by global reach
  • Priority claims service to support and guide you if something does go wrong

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