Fitness Instructor Insurance

Cover for you, your business and equipment

Whatever the size of your business or the type of fitness classes you teach, it’s important that you’re insured for the risks associated with the job you do. We can provide specialist cover.

Do I need fitness insurance?

If you’re an exercise professional, investing in specialist fitness insurance can help protect you from liability claims and damage to your equipment. Regardless of whether you’re a personal trainer, yoga teacher, or pilates instructor, you still face risks. Injuries and accidents can happen, which could leave you at risk of liability claims.

Fitness trainer insurance can provide public liability and professional indemnity insurance that helps protect you against claims from customers and associated costs whilst teaching, instructing and supervising. If you teach classes, gym insurance can also help cover your equipment from theft and damage.

Which types of fitness instructors are covered?

Fitness liability insurance covers a wide range of instructors, including:

Yoga teachers
Pilates instructors
Personal trainers
Wellbeing teachers

Public liability insurance for fitness instructors

Perhaps the most vital cover for fitness professionals running their own personal training business, public liability insurance helps cover you if someone is injured or their property is damaged because of your business.

If a client gets injured on the treadmill, drops a weight on their foot or hurts themselves performing an exercise that you have added into their programme, they could decide to take legal action - leaving you in a vulnerable position, having insurance may help you defend such a claim and in the event you was found to be negligent cover the associated costs.

Public liability insurance for fitness instructors can protect you against claims that are made as a result of property damage or injuries suffered by individuals that are connected to your work. It can also be worth getting suitable fitness insurance, as potential clients might refuse to train with you until you have the cover in place.

Employers’ liability insurance for fitness professionals

If you own a small business that employs different instructors as well as other members of staff, by law you may require employers’ liability insurance for fitness professionals. As would be the case with a client, if an employee hurts themselves at work and blames you for it, it could cost you.

Sports equipment insurance

Fitness equipment isn’t cheap, so when you come to us for our bespoke insurance solution, your equipment can be covered. In the event that your dumbbells, barbells or any other kit is lost, damaged or stolen, sports equipment insurance helps prevent you from being out of pocket to replace or repair it.

How do I find out more about fitness professional insurance?

To find out more about fitness insurance, simply call us on 0800 062 2027 or complete our form. One of our specialist team will provide you with a fitness instructor insurance quote and tell you more about our bespoke policies. You can get a quote and buy your insurance online at your convenience.

Why should I choose Gallagher for my fitness instructor insurance?

When you choose us, you're not only choosing a firm that has years of experience working relentlessly to offer our clients the insurance solutions they need. You're also choosing people who genuinely care about businesses like yours.

We can offer a range of fitness instructor insurance policies regardless of whether you operate alone or own a small gym. Plus, if you do need to make a claim, it will be handled in-house, which can speed up the time it takes to resolve disputes.

Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.

Extensive global reach combined with local insights to ensure you have the right protection wherever you operate
Comprehensive solutions designed to safeguard both your business and your clients
Tailored policies crafted to cater to your specific needs
A dedicated team of specialists who provide advice and guidance on finding suitable coverage

Gallagher SME Team

0800 138 7589