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If you're employed as a personal trainer by a gym, your workplace will most likely have insurance already in place on your behalf. Make sure you check this with your employer to know what cover you have.
However, if you're self employed, it is your responsibility to purchase personal trainers insurance for yourself and any employees you have.
Here are some of the main types of insurance you will need as a personal trainer:
Employers liability insurance - covers costs if employees are harmed
Public liability insurance - covers costs if members of the public are harmed
Professional indemnity insurance - pays for a specialist solicitor to defend you and covers any compensation or damages you have to pay, plus any additional legal fees.
Gym equipment insurance - Some policies also offer 'new for old' policies, so your equipment would be replaced with a brand new equivalent following a successful claim.
Commercial property insurance - can help protect you against any financial loss if there is a fire, flood, burglary, or other damage to the property.
Personal accident cover - Personal accident cover can help you cover the cost of any treatment or provide compensation.
Income protection insurance - can help support you financially for a set period of time, until you are fit enough to return to work.
🚩 Employers liability insurance is a legal requirement if you have staff
🚩Clients may insist you have public liability insurance
Personal trainer business insurance isn't a legal requirement, but most gyms will require you to provide proof of public liability insurance before allowing you to use their facilities.
However, if you're employing people to work for your business, it is a legal requirement to have employers' liability insurance.
Although insurance is optional if you're a sole trader and using your own facilities, it is highly recommended that you take out personal trainer insurance to help protect you against any incidents that may occur when training your clients.
If you are a UK business and you have any non-family members working for you then by law you must have employers' liability insurance.
Without it, you can be fined up to £2,500 for every day you're not insured[3]
If anyone who works for you becomes ill or injured because of their job you could be responsible for the associated costs, including expensive compensation claims.
Employers' liability insurance covers harm caused to employees, contractors, volunteers and anyone else doing any work for you. It's also a legal requirement.
Many people are wary about hiring tradespeople who do not have comprehensive insurance policies in place, and many organisations have policies prohibiting them from hiring uninsured companies.
Government contracts, for example, will usually insist contractors have a public liability insurance policy of at least £5-£10 million.
With any profession where you're working with the general public, it's crucial to have the right insurance in place.
This is especially true for personal trainers, where potential accidents and injuries can happen at any moment. Personal trainer insurance can help protect you against incidents such as clients hurting themselves during a session or tripping over gym equipment.
It can also help protect you financially against any loss of earnings if you injure yourself and you're unable to work, as well as provide cover for your equipment and any other employees that may work for you.
As a personal trainer, you rely on a range of expensive equipment to give your clients the best workout possible. Transporting this equipment to their houses or a gym space and keeping it locked up overnight both come with risks.
Protecting your gym equipment with business contents insurance will compensate you for any loss, stolen, or damaged equipment.
Some policies also offer 'new for old' policies, so your equipment would be replaced with a brand new equivalent following a successful claim.
As a personal trainer, you rely on a range of expensive equipment to give your clients the best workout possible. Transporting this equipment to their houses or a gym space and keeping it locked up overnight both come with risks.
Protecting your gym equipment with business contents insurance will compensate you for any loss, stolen, or damaged equipment.
Some policies also offer 'new for old' policies, so your equipment would be replaced with a brand new equivalent following a successful claim.
Do you employ one person or more in your personal trainer business? Then you are legally required to take out employers' liability insurance.
If any of your employees suffer an injury at work and want to claim compensation, this type of insurance can help you pay this and protect your business from any financial loss.
That's how much was paid out in 2024. Without business insurance, those customers would have faced paying that bill themselves.
Comparing quotes from different insurers allows you to find the best deal out there.
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Public liability insurance protects you if your work harms members of the public.
Employers’ liability insurance protects you if your staff become ill or injured at work.
Tool insurance covers costs if your tools are stolen, damaged, or lost.
Business van insurance Protect your work vehicle and its contents.
Stock insurance protects you if your items are lost, stolen, or damaged.
Business contents insurance protects equipment, including in home offices.
(Per Year) | Cheapest | Average |
|---|---|---|
Personal trainer insurance | £55.61[7] | £55.85[8] |
The table shows the average prices paid by our customers for personal trainers insurance.
Average price means 51% of customers paid this amount or less. Cheapest price means 10% of customers paid this price or less.
According to our latest data, 10% of customers paid this when taking out an annual personal trainers insurance policy.
The cost of fixing insurable problems yourself is usually significantly more expensive than taking out insurance.
Almost 9 in 10[10] of business insurance claims made by MoneySuperMarket customers were accepted last year.
All insurance has conditions and exceptions, so you should read your policy documents carefully to make sure you know what is and isn't covered.
When it comes to business insurance, the cheapest option may not be the best option for you. Sometimes it is worth paying a little more to get a better level of cover.
Financial loss: Compensation payouts to third parties that had their person or property harmed by your work activities
Business van insurance: Standard motor insurance policies won't usually cover vehicles that are used for work
Legal expenses insurance: For things like employment disputes, property disputes, and tax investigations
Accidental death: Offers a lump sum should you or an employee die as a result of an unforeseen incident
Tools and equipment: Cover to repair and replace business equipment that is damaged or stolen
Business contents: Covers items such as office furniture or computers and phone systems for if they’re damaged or stolen
Professional indemnity: Covers you if your business is responsible for any professional negligence
Personal accident insurance: Offers a lump sum payment if you or an employee are hurt and no longer able to work
Intentional harm or damage: Either by yourself or an employee
Poor workmanship: Most insurance policies won't cover you for events that are caused by incompetence, although professional indemnity will cover you for some types of negligence
Drugs or alcohol: If you or your employees were under the influence when the event you want to claim for occurred
Damage to property being worked on: Some policies won't cover damage to a person's property caused while you are working on it
Wear and tear: Insurance won't pay out for damage or breaking of tools or equipment that are the result of general wear and tear
Breach of contract: Some types of insurance will exclude cover for costs arising from you breaching a contract
Improper use of business vehicles: If you're using vehicles for work purposes without declaring that to your insurer, or if the person driving is not covered by the policy
The only insurance that might be legally required for a personal trainer is employer’s liability insurance if you employ staff as part of your work. Otherwise, insurance is a personal choice not a legal requirement. However, just because insurance isn’t legally required, it doesn’t mean it’s not important. Public liability and professional indemnity insurance can be vital to protect you against claims if a client is injured, which could be financially devastating to your business.
Professional indemnity insurance isn’t a legal requirement, but is especially important for personal trainers. Professional indemnity insurance protects you if a client claims that they have suffered injury or financial loss as a result of your advice or negligence. As a professional providing advice – perhaps drawing up training programmes, or teaching people to use gym equipment – personal trainers are at risk of such claims. For example, if a client is injured after being incorrectly shown how to lift a particular weight, they could sue their trainer.
Yes, you can still get personal trainer insurance even if you don’t have any qualifications. However, you should check your policy documents thoroughly to make sure that there are no stipulations. Some insurers might only insure people with certain qualifications, and your policy may not be valid without them.
If you’re planning to run a fitness class you should consider purchasing, at minimum, public liability insurance. This helps to protect you by covering claims arising from injuries to class participants or because of damage caused to the property where the class takes place. Public liability insurance isn’t a legal requirement, but many gyms and venues will insist that you have it in order to run a class at their premises.
If you’re taking the next step on the PT career ladder and opening a gym, you’ll need to reconsider your insurance requirements. A comprehensive business insurance package tailored to your needs will usually cover things like public liability insurance, contents cover, and financial loss cover.
Public liability insurance protects you from claims made by the public as a result of injury or damage to property, whereas professional indemnity insurance protects you if professional negligence or bad advice leads to injury or financial loss.
For example, public liability insurance would protect you if someone tripped over a weight and injured themselves. Professional indemnity insurance would protect you if you told someone to do a particular lift incorrectly, and they injured themselves as a result.
Although exercise is usually great for health, it’s not without its risks. Data suggests that around one in five unplanned A&E visits are due to sports-related injuries, with research conducted by the University of Bath and British Medical suggesting that approximately 2,300 of these admissions per year are considered major trauma injuries (defined as potentially life-threatening injuries that can lead to long-term disability or death).
Personal trainers have a responsibility for the health and wellbeing of their clients, and risk claims against them if a client is unlucky enough to be injured. Personal trainers pay an annual average of £90.56 for their business insurance with MoneySuperMarket, protecting them against claims of this kind.
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According to Simply Business data, 10% of customers paid this amount or less monthly for a Sports/personal trainer insurance policy. Figure based on annual policies purchased in Jan 01 - Mar 31 2025
Simply Business is one of the UK's leading providers of business insurance, serving 1 million customers across 1,500 trades.
Source: Gov.uk
Simply Business data 2024
YouGov Survey 1st October 2023 to 30th September 2024. Net recommended score derived from “Which of the following online service website would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=19272, CompareTheMarket n=17631, Go.Compare n=10457, Confused.com n= 8421, Uswitch n=681)
From 01.06.23 to 31.05.24 MoneySuperMarket customers received £1.59bn estimated savings based on (i) SuperSaveClub reward redemptions, and (ii) savings claims per product multiplied by the number of sales. Products included - Car, Home, Pet and Travel insurance, Broadband, Credit Cards, Loans and Mortgages.
According to Simply Business data, 10% of customers paid this amount or less for an annual Photographer insurance policy. Figure based on annual policies purchased in Jan 01 - Mar 31 2025
According to Simply Business data, 51% of customers paid this amount or less for an annual Photographer insurance policy. Figure based on annual policies purchased in Jan 01 - Mar 31 2025
Average claims value for MoneySuperMarket customers who claimed on their business insurance in the last 12 months. Data provided by SimplyBusiness.
88% of business insurance claims made by MoneySuperMarket customers were accepted in the 12 months before March 2025. Data from SimplyBusiness.
