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Personal Trainer Insurance
Compare insurance for personal trainers
Protect your clients, kit and business with confidence
Compare quotes from trusted insurers
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic specialises in business insurance for personal trainers
Get cover to protect against claims from employees, clients & more
Get the protection you need with no needless extras
What is...
personal trainer insurance?
You’re the one helping clients smash their fitness goals, but who’s got your back when things don’t go to plan? Personal trainer insurance is designed to help protect your business from the unexpected, whether that’s a client injury, damaged equipment, or even legal claims.
Whether you offer personal training sessions in a gym, studio, or the great outdoors, we’ll compare quotes to find cover that fits your training style.
Why do personal trainers need insurance?
Helping people get fit is rewarding, but accidents happen. The right insurance means you’re covered for situations like:
- A client claims they were injured during a session
- A client slips and falls in your training space
- Your fitness equipment is stolen or damaged
- A client sues over improper guidance
- An injury prevents you from working
- An employee gets injured
Having the right insurance means you can keep your business running smoothly.
What does personal trainer insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance cover could include:
Public liability insurance
In case you injure someone or damage something while providing your services
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Professional indemnity insurance
In case a customer sues you for damages because of a mistake in your work.
Business equipment insurance
Protects your business against losses if expensive gym equipment gets stolen or damaged.
What doesn’t it cover?
While personal trainer insurance covers a lot, there are some exclusions, including:
- Intentional damage – Damage caused on purpose isn’t covered.
- Neglect – Failing to maintain your kit may void your policy.
- General wear and tear – Normal ageing or wear on your equipment isn’t included.
Double-check your policy details or speak to our team if you have any questions about what’s covered and what isn’t.
How much does PT insurance cover cost?
Because all personal training businesses are different, it’s difficult to give a solid figure for what you’ll be paying for this insurance without speaking to a broker. This is because your business is unique, and prices depend on a number of factors, including:
- Your qualifications — Advanced or specialist certifications may impact your premiums.
- The value of your equipment — High-value items like treadmills or weights can increase costs.
- Where you train clients — Gym-based, outdoor, or home sessions can carry different risks.
- Extent of cover — The more cover you opt for, the more expensive your package will likely be.
- Your insurer — Depending on who is willing to insure you, the price for their policies will vary.
- Location — The location of your business is taken into consideration when calculating the cost of your premiums.
- Claims history — If you’ve made a claim on your policy or had claims made against you, it may affect your future premiums.
Do you need qualifications for PT insurance?
Although, not a legal requirement, some insurers may ask to see formal qualifications to show you’re properly trained and qualified to help keep clients safe.
Where can you provide personal training sessions?
As a personal trainer, you’ll likely want to set up in a space that makes you and your clients feel comfortable. Personal trainer insurance can be tailored to cover a range of training environments, including:
- Gyms or fitness studios
- Clients’ homes
- Rented halls or community spaces
- Outdoor spaces like parks
Be sure to choose a policy that matches where you work and always inform your broker if you work off-site or in different locations so they can arrange the correct cover for you.
Can you get cover for other fitness activities?
Yes, if you’re qualified in more than one discipline, like yoga, Pilates, or strength training, your cover can often be extended to cover any additional areas.
Always inform your broker of any additional activities you carry out. Policies vary per insurer. Always check your policy details to see what is and isn’t included.
Get your insurance in shape with Bionic
Being a personal trainer is all about helping others reach their goals, but who’s helping you stay protected? At Bionic, we compare quotes from trusted insurers to find tailored cover. With no fuss, and no unnecessary extras, just the right insurance to keep you moving.
Start your quote online today, or chat with our UK-based team for friendly support.
“Protect your business, protect your clients. Arrange tailored cover for personal trainers working in sporty environments"
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
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