To get insured as a personal trainer is a simple process first you need to find an insurance provider specific to health and fitness. This can be done via a simple google search for personal training insurance. There are several companies that offer insurance packages for personal training. REPs offer insurance along with a REPs membership so if you want to get registered with REPs you can buy a package that includes the insurance.
Liability Insurance Cover
Liability cover as a personal trainer is really important to protect yourself when training clients. If you are caught training a client with no insurance and something happens to the client then it will be down to you alone.
Personal Trainer Insurance Prices
Once you have selected the insurance company you need to insure that you state all the activities and training you will be doing. If you are training people outdoors in groups then you will need to be covered for this. Insurance prices range for yearly cover from £50+ dependent on whom you are training. If you are training children the insurance price will be higher. The insurance will cover you for up to £10million as a trainer, it’s important to have a minimum of £5million liability insurance if you are working freelance in a gym environment. Most insurance providers will get a certificate to you the same day electronically to cover your training. If you would like to know more about insurance and different providers we recommend then contact 01772 910 930 / 020 3841 8309 and speak to an adviser today.
Types of personal trainer insurance cover
When you start comparing personal trainer insurance in the UK, you will usually see two main types of cover bundled together. Public liability insurance protects you if a client or member of the public is injured, or their property is damaged, as a result of your training sessions — this is the cover most gyms and studios insist on before they will let you work with clients. Professional indemnity insurance protects you if a client claims that your advice, programming or nutritional guidance caused them harm or financial loss. Most specialist policies for personal trainers combine both, and many also include cover for equipment, online coaching and working outdoors.
Who needs personal trainer insurance?
If you train clients for a living — whether you are employed by a gym, working freelance, running outdoor bootcamps or coaching online — you need your own insurance in place. The same applies right across the wider fitness industry: fitness instructor insurance, yoga instructor insurance, Pilates teacher insurance and sports coach insurance all work in a similar way, with cover tailored to the specific activities you deliver. Always list every type of session you run when you take out a policy, so you are never caught out by an activity that is not covered.
How much does personal trainer insurance cost in the UK?
Personal trainer insurance in the UK typically starts from around £50 to £150 per year, depending on who and what you train. Working with children, delivering higher-risk activities or coaching large outdoor groups will usually push the premium up, while a standard one-to-one gym-based trainer will sit at the lower end. As a guide, aim for a minimum of £5 million public liability cover if you are freelancing in a gym, with many providers offering up to £10 million as standard. Most insurers issue your certificate the same day, so you can be covered and ready to train almost immediately.
Not sure which policy is right for you? Get in touch with Diverse Trainers on 01772 910 930 (North) / 020 3841 8309 (South) and we will point you towards trusted insurance providers for personal trainers.