Protect your business and your reputation

Working as a personal trainer comes with a huge responsibility to your clients. We can provide insurance cover that reflects the exposures and risks of the fitness industry.

As one of the world’s largest insurance brokerage, risk management and consulting firms, we can assist you with all your insurance needs to help protect the future of your personal training business. Offering bespoke insurance for personal trainers, our team of specialists is here to safeguard your small business in the event of a claim being made against it.

What is personal fitness trainer insurance?

As a personal trainer, your mission is to help your clients achieve their goals. You want them to be the best they can be, but in order to do that, it’s essential that you keep your own business in a fit state.

Whether your clients want to build muscle, work on their running technique or lose a few inches from their waistline, personal fitness trainer insurance will allow you to train them on a day-to-day basis, offering reassurance in the event of something going wrong.

With trainer insurance, your business can be protected from possible accidents that happen on your watch.

Why do I need personal trainer insurance?

As a personal trainer, you work with different members of the public every day. Whether you train your clients at home, outdoors, in a studio or in a gym, there is always a risk of injury.

While you’re no doubt extremely careful at all times, accidents can—and do—happen. Every time you take on a new client, you are also taking on a new risk.

If a client gets injured while performing an exercise, blames you for it, and you don’t have sufficient cover, you could end up having to pay out a lot of money from your own pocket. Insurance for personal trainers helps cover the associated costs.

How much does personal trainer insurance cost?

As with all types of insurance, the cost of personal trainer insurance can vary depending on several factors. These include the types of cover you need, the size of your business and the nature of your work. The benefit of choosing Gallagher is that your policy can be tailor-made to suit you.

What services does Gallagher provide?

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

Public liability insurance for personal trainers

This is perhaps the most crucial cover for fitness professionals running their own personal training business to consider, as it can help cover the cost if someone is injured or their property is damaged because of your business. Accidents do tend to happen when you least expect them, so if a client suffers an injury while you’re training them, they could decide to take legal action—and you could end up in a very vulnerable position.

Public liability insurance for personal trainers helps protect you against claims that are made as a result of property damage or injuries suffered by individuals that are connected to your work. Some clients may only wish to train with you once they know that you have public liability insurance, so it is worth ensuring you have adequate personal trainer insurance in place.

Employers’ liability insurance for personal trainers

Employers’ liability insurance is designed to protect you if an employee blames you for an injury they suffer at work. If you operate your own workout space, gym or studio, hire different instructors, run fitness classes or hire other members of staff such as cleaners, by law you may need employers’ liability insurance. If you fail to get this cover, it can result in heavy fines.

Business equipment insurance

Whether you take your dumbbells with you from client to client, or store the likes of your treadmill, rowing machine and barbells in your studio, it’s very important that you consider getting your equipment insured, too. This cover can help ensure you are not left out of pocket if your equipment is lost, damaged or stolen.

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.

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

  • Gallagher SME Team