As a personal trainer you do everything you can to keep your clients fit and healthy. But while you give advice and guidance to help them stay in good shape, there’s still a risk that they could injure themselves and, as a result, make a claim against you. Whether you’re a self-employed fitness instructor or run personal training business, it’s vital to ensure you’re protected financially should things go wrong. From legal battles to damaged equipment, disgruntled employees to your own injury, controlling risk with a good fitness liability insurance plan is essential for anyone in the industry, whether a business owner or self-employed trainer.

Hiscox personal trainer business insurance can give you the peace of mind to carry out your work, safe in the knowledge that you’re protected financially.

Call on 0800 2800 351 Mon - Fri, 8am to 7pm, Sat, 9am to 2pm excluding bank holidays.

Professional treatment liability insurance

You don’t need to have done anything wrong to face a claim for professional negligence, but the costs involved in defending even the most spurious of claims can be substantial. If someone makes a claim against you because of advice you provided, including if that advice led to a client injuring themselves, professional treatment liability insurance for personal trainers can help. It can protect your business against the cost of settling or defending a claim that there is a problem with your work, including malpractice.

Our treatment liability insurance policy is specially designed to cover a range of businesses, including personal trainers.

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Public liability insurance for personal trainers

When it comes to considering public liability insurance for personal trainers and fitness professionals, it helps to assess whether you’d cope financially should someone bring a claim against you. Despite your best intentions, accidents do happen and if it occurs as the result of something you have done then a member of the public or a client can claim against you for compensation. Fitness instructor insurance could prove invaluable. If, for example, somebody trips over your training equipment and injures themselves, Hiscox Public Liability Insurance can protect your business against the cost of paying or defending a compensation claim.

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What combination of cover do I need?

Our treatment and professional liability insurance and public liability insurance products are designed to be combined to offer comprehensive cover in one package. Treatment and professional liability insurance covers claims arising from the delivery of your professional service to a client, while public liability insurance provides cover for claims arising from bodily injury or property damage caused by your business to members of the public.

When it comes to thinking about the level to which you need to be covered, it’s worth considering the defence costs you’d face if something were to go wrong, even if you weren’t to blame.

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Office contents insurance for personal trainers

As a personal trainer, your equipment will play a vital part in your ability to work. You may also make use of an office for admin, in which case it’s wise to protect any computers, printers and expensive equipment you use. Our office contents policy is designed to protect home or office-based businesses against the cost or replacing or repairing business equipment if it is accidentally damaged, lost or stolen. You can also add a range of specialist covers to your policy such as portable equipment, providing cover for equipment outside of the office, such as laptops and gym equipment, which can be particularly useful for personal trainers and instructors that work on the move.

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Tailor your business insurance quote

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  • Immediate coverage and documentation
  • No admin fees if you amend your policy

Need more help? Speak to our UK-based experts. Call us on 0800 2800 351

Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts

What is your profession?

Find out more about the range of insurance covers we offer to specific industries and professions in the list below: