Personal trainer insurance designed to protect you, your clients and your reputation

As a personal trainer, you can be responsible for your clients' safety while they lift weights, use equipment or follow your exercise guidance. But even with care and expertise, accidents and misunderstandings can happen. That's why having suitable insurance can be important.

Personal trainer insurance can help protect you against the financial impact of claims linked to injury, advice or equipment, so you can focus on supporting your clients' progress. At Gallagher, we can arrange cover that supports the way you work and train clients, helping to protect your reputation and the business you've worked hard to build.

Cover for many types of personal trainer

Gallagher can arrange cover for a wide range of fitness professionals, whether you work independently, within a gym or train clients from home and online. If your set-up isn't listed, get in touch with our team and we'll be happy to help you explore suitable options.

  • Self-employed personal trainers
  • Gym and studio PTs
  • Mobile personal trainers
  • Online trainers

Dedicated personal trainer insurance from Gallagher

Personal training is much more than delivering workouts. It involves assessment, instruction, motivation and managing risk in fast-paced environments. With clients relying on your expertise, even a small mistake, unexpected injury or disagreement over advice can escalate into a claim. Personal trainer insurance can help protect your income, reputation and ability to keep working if something happens.

What's typically covered

Public liability insurance

Offering protection if a client or third party suffers an injury or property damage because of your work. This is essential for anyone working directly with clients.

Professional indemnity insurance

Cover for claims arising from professional advice or services you provide. For example, if a client claims your training plan caused them harm or financial loss.

Employers' liability insurance

If you employ staff, this is a legal requirement. It offers protection against claims made by employees who suffer injury or illness due to their work.

Cover for your fitness equipment against theft, loss, or damage, whether it’s stored at a gym, in transit or at home.

Helping to provide financial support if you're injured and unable to work, including cover for lost income and medical expenses.

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.

Why choose Gallagher

Your clients rely on your knowledge and professionalism, and you deserve an insurance partner who offers the same.

Gallagher is one of the leading global insurance brokers, offering support for fitness professionals and their businesses. Whether you train clients in a gym, online, outdoors or on the move, we recognise the risks that come with working in the fitness industry.

With extensive experience supporting fitness professionals, our team can arrange insurance that aligns with the specific risks of personal training. And because we work with a panel of insurers for our core business insurance products, we can help you find flexible cover that fits your business.

Personal Trainer Insurance

  • Tailor-made cover for your business
  • Public and employers’ liability insurance
  • Cover for your training equipment
  • Advice and guidance from a specialist team

Personal trainer insurance: Frequently asked questions

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions, please see the policy documentation


  • Gallagher SME Team