Business insurance for Personal trainers

Your PT insurance package may cover you wherever you train your clients, since it can be tailored to your circumstances. Therefore, if you coach clients in outdoor public spaces, such as parks or playing fields, you will be able to include a combined professional, treatment and public liability policy which may provide cover if a member of the public trips on a skipping rope. Equipment insurance could help ensure your kit is also covered if damaged.

Without your equipment, from medicine balls to resistance bands, you’re unable to carry out your job properly or provide the best service. This is why it could be useful to cover your kit with a portable equipment insurance policy so items can be quickly replaced or repaired.

When you’re calculating how much personal trainer insurance is, there are lots of things to consider, including the value of your equipment.

Personal trainers will often find they gain reassurance from having business insurance to teach fitness, even if this happens solely online. This is because many of the risks that come with working as a personal trainer are still present online – your equipment such as your laptop could become damaged and need repair, you could be injured and unable to work or a cyber-attack could target your email account or systems.

Employers’ liability insurance could also be a legal requirement (external link) if you employ someone else as part of your online fitness instructor business. This rule could apply whether they work as a PT or something else.