Insurance for Fitness Professionals

Why do you need insurance?

If you work as a personal trainer, fitness instructor, or coach in the UK, you are legally required to have professional indemnity insurance and public liability insurance. Most gyms and studios will not let you work without it. It protects you if a client is injured during a session or if you are accused of giving negligent advice.

UK Insurance Providers

Insure4Sport

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Popular choice for PTs. Cover from around GBP 5/month. Includes professional indemnity, public liability, and personal accident.

From GBP 5/monthCovers online training10M public liability available

Protectivity

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Flexible policies for fitness instructors and PTs. Cover starts from GBP 3.60/month with no excess on claims.

From GBP 3.60/monthNo excess on claimsInstant cover online

SportsCover Direct

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Specialist sports insurance covering a wide range of fitness activities. Good option for multi-discipline coaches.

Sports specialistMulti-activity coverEvent cover available

Balens

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Specialist insurer for health, fitness, and wellbeing professionals. Trusted by therapists and fitness professionals since 1950.

Since 1950Specialist health/fitnessTailored policies

What to look for

Professional indemnity cover (for advice and programming)
Public liability cover (for injury during sessions, usually 1M to 10M)
Personal accident cover (for your own injuries)
Coverage for online/virtual training (increasingly important)
Equipment cover if you bring your own gear to sessions