Fitness instructor insurance

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Fitness instructor insurance UK
Fitness instructor insurance UK
Fitness instructor insurance UK
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What is fitness instructor insurance?

Fitness instructor insurance isn’t one thing. It’s usually a few products you buy to meet the specific insurance needs of your fitness instructing business.

Because you’re working with people, public liability is often the first insurance most fitness instructors purchase. However, fitness instructors also provide advice, so they need professional indemnity insurance as well. 

How much does fitness instructor insurance cost?

Public liability insurance for fitness instructors starts at £9.80 a month, and includes professional indemnity and commercial legal expenses insurance.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £9.54 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £20.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £22.78 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included
Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

Chezza
on Trustpilot
14 February
Great!

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

Mokolada
on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do fitness instructors need insurance?

There are no legal insurance requirements for fitness instructors, but if you are self-employed and work hard to help people reach their fitness goals, you don’t want a costly lawsuit to weigh down on your success.

Claims of injury from your instructions

As a fitness instructor, you face potential lawsuits brought against you by clients if your instructions lead to an accident.

Unforeseen accidents during a class

During a fitness class, people constantly move around, and equipment is lying about. Accidents are common, and you could be asked to compensate if they become serious.

Failing duty of care

You may look away or leave the class to take an urgent phone call. Your reputation could be on the line if something happens in your absence.

Something you said is taken out of context

During a high-energy class, your adrenalin can be high. Something you shout out or say to a participant could be easily misinterpreted; the passing comment may become a dispute if they take offence.

What is fitness instructor liability insurance?

Legal liability insurance protects fitness instructors against legal actions arising from their business activities. Depending on your business needs, you may need to purchase one or more of these liability products.

The two essential products are public liability and professional indemnity insurance. Other fitness instructor liability insurance, such as employers’ liability or commercial legal expenses insurance, will depend on your circumstances and risk appetite.

Public liability insurance for fitness instructors

Public liability insurance protects fitness instructors from claims of injuries or property damage.

Fitness instructors usually work with clients face-to-face; this could be in a gym or a park with other people around. If an accident happens, and it is connected to your fitness business, you may be sued and required to pay compensation.

Public liability is an inexpensive protection against these unfortunate accidents.

What does fitness instructor public liability insurance cover?

Public liability insurance covers the legal costs to defend against injury claims and associated compensation demands. 

If someone makes a claim against you for causing an accidental injury or property damage or loss, public liability will provide legal defence and pay compensation if you become liable.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example, you face financial demands because:

  • One of your clients accidentally damages the gym space or equipment you’re using, and you find yourself with a sizeable bill.
  • A client hurts themselves during a class you’re leading, which requires expensive medical attention.

Professional indemnity insurance for fitness instructors

Professional indemnity insurance protects fitness instructors from accusations of professional mistakes, negligence or failing duty of care.

Fitness instructors advise on exercise, health and well-being. If that advice goes wrong and leads to an injury or loss for your client, they may pursue you for compensation.

What does fitness instructor professional indemnity insurance cover?

Professional indemnity insurance covers the legal costs to defend against accusations of wrongdoing arising from a fitness instructor’s professional advice. It will also pay compensation if due.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you face financial demands from a client because:

  • You advised on a home workout routine that went wrong, leading to a severe injury for the client at their home.
  • Something you said was taken out of context, which resulted in accusations of professional misconduct.

What professional indemnity limit do fitness instructors need?

The professional indemnity limit you need depends on your business activities. When choosing a limit, consider how often you instruct, how many clients you work with, and the potential financial impacts if your advice goes wrong.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your fitness instructor insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I pause my fitness instructing activities?

It’s wise to keep your professional indemnity if you’re taking a break or retiring from fitness instructing. Claims against professional misconduct can surface months or years after you delivered the work.

Remember: If you cancel your policy, your insurance coverage will end, including coverage for any previous work.

How long you keep your cover in place is up to you. Consider the type of fitness instructing you did and the likelihood that a client might bring a claim against you. 

Other insurance fitness instructors buy

As a fitness instructor, the types of insurance you require will vary depending on your unique situation. It's crucial to consider if you could financially handle a legal conflict, how you would manage any tax-related problems, and what actions you would take if a client refused to pay.

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect fitness instructors against various tax and legal issues you may encounter due to your profession, which are not picked up by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist fitness instructors in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect provides qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Contract disputes
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You need legal help chasing a significant unpaid invoice
  • You wish to take a business partner or client to court over a breach of contract

Fitness instructors we insure

Suited offers comprehensive insurance policies that cater to the needs of a wide range of fitness instructors, including:

  • Aerobics instructors
  • Barre instructors
  • Bootcamp instructors
  • CrossFit trainers
  • Cycling instructors
  • Functional training instructors
  • Group fitness instructors
  • Gymnastics instructors
  • HIIT trainers
  • Mind-Body instructors
  • Personal trainers
  • Pilates instructors
  • Strength and conditioning trainers
  • Water aerobics instructors
  • Yoga instructors
  • Zumba instructors
  • and more..

Shopping for fitness instructing liability insurance

Whether or not you decide to use Suited fitness instructing insurance to protect your fitness business, it’s worth keeping the following in mind:

Cheap fitness instructor insurance

When selecting fitness instructor insurance, do not solely concentrate on the cost. Verify the accessibility of the provider. At Suited, we promptly respond to inquiries and provide various means to reach us.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
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FAQs

Common questions

What is personal liability insurance for fitness instructors?

Personal liability insurance for fitness instructors protects you against legal claims from unhappy clients and third parties. The two main covers are professional indemnity and public liability insurance for fitness instructors. When those two covers are combined, you are well protected against legal demands of compensation for making a professional error or causing an injury or property damage.

What are the legal insurance requirements for a fitness instructor in the UK?

There are no legal insurance requirements for a fitness instructor in the UK. However, gym, dojos or parks might require you to have professional indemnity or public liability insurance or both.

Do I need fitness instructor insurance to run a fitness class?

You may need fitness instructor insurance to run a fitness class if you wish to protect yourself against possible legal claims of professional negligence, duty of care breach, causing an injury or property damage. Another reason to have certain type of fitness instructor insurance is if you’re working from a third party premises.

Can I get monthly fitness instructor insurance?

You can get monthly fitness instructor insurance with Suited and it won't cost you anything extra. We don't add APR, policy fees or charge to change or cancel your cover.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Insurance for fitness instructors UK
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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Get help when you need it from our Bristol based team.

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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday—Friday, 8:30am to 5:30pm

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If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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