Fitness Instructor Insurance

Specialist insurance for fitness professionals, including gym trainers, pilates instructors, and yoga teachers.

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.

How much does fitness instructor insurance cost?

The cost of fitness instructor insurance varies on the type of policy you need, the size of your business, and the nature of your work. For example, the cost of yoga instructor insurance could differ from the cost of insurance for Pilates instructors. Although most general risks are the same, the specific cover suitable for your needs can vary, which means fees do too.

To get your fitness instructor quote, fill in our online form or call the team on 0800 138 7589 and one of our representatives will be happy to help.

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

Cover for fitness instructors can also be known as gym insurance, fitness instructor insurance, or gym instructor insurance. Insurance typically includes public liability insurance and professional indemnity insurance, which can help cover against negligent advice whilst providing instruction and can cover equipment.

These range of covers are very important for fitness professionals running their own personal training business or acting as a gym instructor. It can help cover you if someone is injured whilst being instructed due to your negligence or damaged caused to their property is your fault.

If a client gets injured on the treadmill, drops a weight on their foot, or hurts themselves performing an exercise whilst under instruction, they could take legal action against you. This can leave you liable to cover costs associated with their claims. So, having insurance can help cover fees if you were found to be negligent.

Yoga instructor insurance

Yoga teacher liability insurance is like fitness instructor cover, but specifically for people teaching yoga. Alongside liability claims and professional indemnity claims, yoga instructors can also face risks such as loss of earnings, personal accidents, and damaged equipment. That’s why having suitable insurance is an important consideration. Yoga instructor insurance can help protect you from legal claims, financial loss, and other business risks.

Pilates instructor insurance

Like yoga teachers, pilates instructors face similar risks, though there are also specific considerations due to the equipment used and nature of exercises. Insurance for pilates instructors can help protect you in these situations, alongside general risks such as liability claims, equipment damage, and personal accidents.

Coverage tailored to meet your gym insurance needs

At Gallagher, we understand that every gym has unique needs and challenges. Our tailored gym insurance solutions are designed to provide coverage that addresses your specific risks. From liability protection for accidents and injuries to property coverage for your equipment and facilities, we help safeguard you and your business against potential losses.

Employers’ Liability

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, you could be held responsible.

Gym Equipment Insurance

Our team of business insurance specialists can help you build a tailored policy that can include cover for sports equipment. If your dumbbells, barbells or other kit is lost, damaged or stolen, sports equipment insurance helps with the cost of replacements or repairs.

Why choose Gallagher

Choosing Gallagher for your fitness insurance needs means choosing an industry leader offering specialist coverage tailored for fitness professionals and facilities.

Our dedicated team possesses an in-depth understanding of the unique risks and challenges inherent to the fitness sector, enabling us to provide bespoke solutions that protect both your business and your clients. Leveraging our global reach and local insights, we can help you find suitable protection.

Frequently asked questions

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.

Do gyms need professional indemnity insurance?

It’s not a legal requirement, but indemnity insurance is something that is recommended to help protect your fitness business where you provide instruction, coaching, advice. It adds protection for you if you make a mistake or incorrectly advise a client at work and they make a claim against you. This is in addition to public liability insurance, which can help protect you from injury or accident claims.

Should I update my gym equipment for insurance?

The older the equipment is, the more likely it is to break or become damaged. This could lead to accidents and injuries. It’s a good idea to update your equipment regularly and arrange maintenance checks to help prevent injuries and subsequent claims against you.

If an incident arises which is caused by inadequately maintained equipment, an insurer could refuse any resulting claim.