Cover for you, your business and equipment

Whatever the size of your business or the type of fitness classes you teach, it’s important that you’re insured for the risks associated with the job you do. We can provide specialist cover.

As a fitness instructor, you’ll know how rewarding your job is, but you’ll also know that it demands the highest levels of dedication. Your clients need to be motivated on a day-to-day basis and encouraged so that they can reach their goals.

When you are training your clients, there is no doubt that you take the utmost care to look after their welfare. However, accidents can happen, and if they do, it’s important that you are covered against claims that might be made. That’s where fitness instructor insurance can help protect you.

What is fitness instructor insurance?

Exercise professionals need specialist fitness insurance to protect them from unexpected injuries to themselves or another person. If you’re someone who leads sessions with members of the public, fitness instructor insurance can provide you with cover for accidents and even theft of your gym equipment.

Do I need fitness insurance?

Despite conducting risk assessments, providing thorough warm-up routines and creating programmes specifically designed to your clients’ needs, things can still go wrong.

Injuries and accidents can happen, no matter whether your clients are losing weight, building muscle or training to compete at an event. Fitness insurance provides the assurance that if something unexpected happens, you can be covered.

How much does fitness instructor insurance cost?

As with other forms of cover, fitness instructor insurance costs will vary depending on a number of factors. These include the type of policy you need, the size of your business and the nature of your work.

To get your fitness instructor insurance quote, get a quote and purchase online, call the team 0800 138 7589 or complete our form and we will connect you with someone who can help.

What fitness insurance services do Gallagher provide?

As a fitness professional, you have a duty of care to your clients, which is why you need to consider taking out specialist insurance. Here are some of the services that we offer here at Gallagher:

Public liability insurance for fitness instructors

Perhaps the most vital cover for fitness professionals running their own personal training business, public liability insurance helps cover you if someone is injured or their property is damaged because of your business.

If a client gets injured on the treadmill, drops a weight on their foot or hurts themselves performing an exercise that you have added into their programme, they could decide to take legal action - leaving you in a vulnerable position, having insurance may help you defend such a claim and in the event you was found to be negligent cover the associated costs.

Public liability insurance for fitness instructors can protect you against claims that are made as a result of property damage or injuries suffered by individuals that are connected to your work. It can also be worth getting suitable fitness insurance, as potential clients might refuse to train with you until you have the cover in place.

Employers’ liability insurance for fitness professionals

If you own a small business that employs different instructors as well as other members of staff, by law you may require employers’ liability insurance for fitness professionals. As would be the case with a client, if an employee hurts themselves at work and blames you for it, it could cost you.

Sports equipment insurance

Fitness equipment isn’t cheap, so when you come to us for our bespoke insurance solution, your equipment can be covered. In the event that your dumbbells, barbells or any other kit is lost, damaged or stolen, sports equipment insurance helps prevent you from being out of pocket to replace or repair it.

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

Fitness Instructor Insurance

  • Cover if you work alone or run a small gym
  • Public and employers’ liability insurance
  • Cover if your equipment is lost, damaged or stolen
  • Advice and guidance from specialists in your industry

  • Gallagher SME Team