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PERSONAL TRAINERS INSURANCE

Personal trainers insurance from just £4.63[1] a month

  • Protect your business from legal complaints, injuries and accidents

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What is personal trainer insurance?

Personal trainer insurance is specialised business insurance for self-employed fitness instructors and gym trainers.

You can buy different types of insurance:

Do I need PT insurance?

🚩 Employers liability insurance is a legal requirement if you have staff

🚩Gyms may require freelance trainers to have public liability insurance

If you are a self-employed personal trainer, insurance can financially protect you if something goes wrong at work. Without it you could end up paying some very high costs if your client is hurt, your studio is damaged, or your equipment is stolen.

If you're employed as a personal trainer by a gym, your workplace will most likely take out insurance on your behalf.

Why do personal trainers need insurance?

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.

Some gyms are wary about allowing fitness instructors who do not have comprehensive insurance policies in place to work out of their building.

Clients may also prefer to know that you have cover in place should something go wrong.

As a personal trainer you are always working with and near the general public, while the nature of your work and the equipment you use means there's a constant risk of accidents.

You can be found liable if anybody gets hurt or their property is damaged because of your actions. Public liability insurance can help protect you against incidents such as clients hurting themselves during a session or someone tripping over your gym equipment.

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.

A job in the fitness industry increases the chance of you suffering from some types of work-related injuries.

Income protection insurance or personal accident cover can replace some of your salary if you have to take time off work for ill health, so you don't have to worry about paying your bills or maintaining the lifestyle of your family.

Did you know?
£68 million in insurance claims [3]

That's how much was paid out in 2024. Without business insurance, those customers would have faced paying that bill themselves.

Why should I use MoneySuperMarket?

Comparing quotes from different insurers allows you to find the best deal out there.

We can do this work for you.

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What insurance should personal trainers have?

  • Plus

    Public liability

    Public liability insurance protects you if your work harms members of the public.

  • Plus

    Employers' liability

    Employers’ liability insurance protects you if your staff become ill or injured at work.

  • Plus

    Tools

    Tool insurance covers costs if your tools are stolen, damaged, or lost.

  • Plus

    Commercial van

    Business van insurance protects your work vehicle and its contents.

  • Plus

    Stock insurance

    Stock insurance protects you if your items are lost, stolen, or damaged.

  • Plus

    Business contents

    Business contents insurance protects equipment, including in home offices.

How much does personal trainers insurance cost?

(Per Year)

Cheapest

Average

Personal trainer insurance

£55.61[6]

£55.85[7]

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.

What’s the cheapest price I could pay?
£4
.63[1] a month

According to our latest data, 10% of customers paid this when taking out an annual personal trainers insurance policy.

How much is the average business insurance claim?
£3,377[8]

The cost of fixing insurable problems yourself is usually significantly more expensive than taking out insurance.

How likely is it that my insurance claim will be accepted?

Almost 9 in 10[9] 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.

88% of our business insurance claims were accepted last year

What types of cover are included in personal trainers insurance?

  • Tick

    Can be covered

    • 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

  • Cross

    Can't be covered

    • Intentional harm or damage: Either by yourself or an employee

    • Drugs or alcohol: If you or your employees were under the influence when the event you want to claim for occurred

    • 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.

personal trainer

Our expert says…

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 £55.85[7] for their business insurance with MoneySuperMarket, protecting them against claims of this kind.

Katie Bishop Author

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No, at this time business insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.

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.

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 personal trainer 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.