Personal trainer liability insurance

Secure personal training insurance quickly and without fuss. We're simply priced, flexible and upfront.

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Insurance for personal trainers UK
Insurance for personal trainers UK
Insurance for personal trainers UK
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What is personal training insurance?

Personal training insurance isn’t one thing. It’s several products you buy to meet the specific insurance needs of your personal training business.

Personal trainers commonly purchase public liability insurance to cover client accidents and injuries. However, personal trainers also provide advice, so they usually require professional indemnity insurance as well.

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
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

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...

on Trustpilot
14 February

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...

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 personal trainers need insurance?

Your clients depend on you to keep them in good shape. But what happens if they push too hard, become careless and then get injured while training with you? Who’s responsible, and who will foot the bill?

Claims of injury from your instruction

You work hard to build your business, only to be taken down by a lawsuit. It’s one of the most significant risks and potentially a big mistake not to buy the best personal training insurance you can afford.

Unforeseen accidents during PT sessions

People constantly move around during physical activity, and equipment is lying about. Accidents happen, and you could be required to pay compensation if the injury is serious.

Failing duty of care

Suppose you look away or take an urgent phone call, and something happens to your client at that moment. You could be failing your duty of care; your reputation and bank balance could be on the line if legal claims follow.

Something you said is taken out of context

You often get up close and personal with your clients. Something you do or say to a participant could be easily misinterpreted.

Public liability insurance for personal trainers

Public liability insurance shields personal trainers from claims of injuries or property damage.

Because personal trainers have regular face-to-face contact with clients and the public during their day, public liability becomes an essential cover.

What does personal trainer public liability insurance cover?

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.

As a personal trainer, you might conduct sessions in a gym or a park, possibly at the client’s premises. When you’re hosting a session when the client comes to you to train, you’ll be required to see the space is suitably safe.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A client rolls their ankle on a mat and pursues you for medical costs
  • You accidentally damage equipment at a client’s home, such as a phone or computer, and they demand you replace it.
  • A member of the public accidentally gets hit by a ball or other piece of equipment and sues you. 
  • A client breaks gym equipment while training with you.

Professional indemnity insurance for personal trainers

Professional indemnity insurance for personal trainers provides cover against issues such as an accusation of negligence, breach of duty of care or making a mistake.

Personal trainers provide health and fitness advice and guidance. Professional indemnity insurance is an affordable safety net should the worst happen, and you need to defend a legal claim from one of your clients.

What does personal trainer professional indemnity insurance cover?

Professional indemnity protects personal trainers from claims or accusations of wrongdoing from their professional advice.

Cover includes:

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

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

  • In one of your sessions, you instructed a client to exercise at home. They take your advice and sustain an injury they blame you for. Professional indemnity insurance would be needed in this situation because their injury resulted from your professional advice.
  • Being a personal trainer means you spend a lot one on one time with your clients. Something you say or do could be taken out of context and next thing you know your client is suing you for professional misconduct.

How has professional indemnity helped personal trainers 

Ryan, a personal trainer on a large gym contract, was accused of incompetence. 

An inexperienced client decided to do an exercise improperly and injured himself. Since Ryan was working for himself, the client sued Ryan’s business for damages, alleging Ryan didn’t provide adequate instruction before his accident occurred. 

Luckily, on the gym’s insistence, Ryan had professional indemnity in place; his insurance provider paid all of Ryan’s legal fees, and the legal team successfully defended him against the claim.

What professional indemnity limit do personal trainers need?

The professional indemnity limit you need will reflect your particular personal training activities. When choosing a limit, consider how often you work, how many clients you have, and possible financial impacts if your training 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 personal trainer insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I retire from being a personal trainer?

It’s wise to keep your professional indemnity if you’re taking a break or retiring from personal training. 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 personal training you did and the likelihood that a client might bring a claim against you. 

Other insurance personal trainers buy

The additional insurance required as a personal trainer will vary based on your situation. Have you considered if you have the resources to handle a legal conflict? How would you manage a tax-related concern? And if a customer refuses to pay, what steps would you take? These are important considerations to keep in mind.

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect personal trainers 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 personal trainers 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

Shopping for personal training liability insurance

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

Cheap personal training insurance

When choosing personal trainer insurance, don't just focus on price. Look for good customer service and accessibility. Suited offers multiple ways to contact us and fast responses to your concerns.

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
Suited awards.

Common questions

Do personal trainers need qualifications?

During a claim situation you’ll need to demonstrate that you’re suitably qualified to carry out work as a personal trainer.

What is the experience needed to be a personal trainer?

If you’re freshly qualified and you’ve never done personal training before, it might be advisable to get some experience first before setting up your own business.

Can I be a PT without personal trainer insurance?

Legally yes, practically you’ll probably find that's not possible. Gyms and other training facilities will want you to insurance for personal trainers consisting at least of public liability.

Can I pay for my personal training insurance monthly?

When it comes to personal training insurance monthly payments are easier to manage given the uncertain cycles of this profession. This is why Suited offers a simple monthly subscription.

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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Personal trainer public liability insurance
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More flexible

Make changes instantly, easily and for free.

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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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Be confident knowing your cover is backed by trusted UK insurers.

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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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Once you buy
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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Easy to cancel

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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