Fitness instructor insurance

Secure fitness instructor insurance quickly and without fuss. We're simply-priced, flexible and upfront.

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Fitness instructor insurance UK
Fitness instructor insurance UK
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Quickly priced
Buy online 24 hours.
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Instant cover
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A few coins.
Pay monthly
The problem

Self-employed fitness instructors face many risks

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 there is always people moving around and equipment lying about. Accidents are not uncommon and when serious, you could be asked to compensate.

Failing duty of care

Maybe you may look away or leave the class to take an urgent phone call. If something happens in your absence, your reputation could be on the line.

Something you said is taken out of context

During a high energy class adrenalin is high and something you shout out or say to a participant could be easily misinterpeted.

Fitness trainer insurance

You need fitness instructor insurance that's low cost, flexible and protects you against compensation claim.

the suited way
Insurance made better

Self-employed insurance done fast, clear and upfront.

Insurance for fitness instructors UK
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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.

A plus rating.
Top insurers

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

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UK support

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

Covers to consider

How much does fitness instructor insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers fitness instructors should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 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

Self employed professional indemnity insurance

Professional indemnity

from £8.63 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

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 +£9.24 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
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

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

In detail

Explanation of insurance requirements for fitness instructors

Fitness and exercise are the centre of your world – but they are not without their risks. There are no legal insurance requirements for fitness instructors but if you’re 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.

Fitness instructor liability insurance

As a professional fitness instructor, it’s your job to push your clients so they can reach their fitness goals. But what if they wake up the next day with a painful injury?

You might think it’s their responsibility to know their limits, but it’s not always so straightforward.

Everyone loves to feel the burn of an intense workout, but if someone pushes themselves too far it could be your business that takes the fall.

If they seek legal advice, you could find yourself on the receiving end of an expensive personal injury claim, making you responsible for paying compensation.

And what about accidents? As a fitness instructor, you might be leading sessions in the park or in a fitness studio.

If you or one of your clients causes accidental damage to the property, space, or equipment you’re using, you could find yourself with a nasty bill.

When you’re working directly with clients, you might find yourself in their home or handling their possessions. Relationships can quickly turn sour – not to mention expensive – should a client feel you have damaged their belongings or property.

If someone hurts themselves during a class you’re leading, you’ll want to make sure they receive the medical attention they need and are looked after without the worry of an expensive lawsuit ringing in the back of your mind.

“Personal liability insurance” or "fitness instructor liability insurance" are often the terms used during google searches for insurance requirements for fitness instructors.

The two legal covers that will make sure your focus can remain on the wellbeing of your clients, and not your bank account are professional indemnity and public liability insurance.

Fitness instructor liability insurance offers you a safety net so that you can focus on your clients’ health and fitness without the worry of expensive legal action.

Public liability insurance for fitness instructors

You can see how easily something could go wrong – a client tripping on a weight, someone slipping on a mat, or simply a go-getter who doesn’t know their limits and causes themselves injury.

Public liability insurance for fitness instructors will cover you should someone be injured because of your business. It also covers any damage caused by you or a client while you’re delivering classes or working with clients.

By taking out public liability insurance, you won’t break a sweat if someone injures themselves at one of your classes. That’s because any costs you may incur from legal action will be covered.

Being a fitness instructor without public liability insurance is an extremely risky game and due to the nature of the business you provide, public liability insurance is worth considering.

Professional indemnity insurance for fitness instructors

You’ll know that when someone finds a fitness class that works for them, they’ll come back week after week. That’s because they love the way you lead the class, the workouts you offer and the results they see. But it’s also because they feel comfortable and safe in your hands.

Your reputation is everything as a fitness instructor, so a rogue accusation about your conduct could soon turn your popular, oversubscribed classes into a ghost town.

Imagine a client pulls you aside at the end of a class to say thanks and to ask for some advice on their home workouts and general health. You, with the best intentions, might give them some pointers and advice. But if they misunderstand your guidance or misinterpret your advice, they could either hurt themselves outside of your class.

The other danger, especially in today’s world, is how you address someone, the things you say and your tone of voice. If a client takes offence to the advice you provide, you might end up facing an allegation of insensitive conduct leading to a professional negligence/duty of care breach legal claim.

Professional indemnity insurance for fitness instructors will cover you, should you be sued for any of the above. It will make sure that should you be on the receiving end of a lawsuit, costs and legal advice will be covered, minimising the impact of the case and allowing you to focus on delivering and growing your business.

Business legal expenses extension

Suited also provides an invaluable legal cover extension with its professional indemnity cover to take care of other scenarios a self employed fitness instructor might face while running a business.

The good news is that Business Legal Protect is included as standard with the PI cover, nothing extra to pay. It can provide you with legal and professional help with situations like unpaid invoices, tax disputes, threats to your professional reputation or contractual disputes.

In this section

Common questions

What is personal liability insurance for fitness instructors?

You may wish to protect yourself with professional indemnity and public liability insurance for fitness instructors. When those two covers are combined, you are well protected against your liability towards your clients and third parties such as premises owners or the members of the public.

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

Fitness instructors are not required to hold any insurance by law. 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?

If you wish to protect yourself against possible legal claims of professional negligence, duty of care breach, causing an injury or property damage then yes. Another reason is if you’re working from a third party premises.

Can I get monthly fitness instructor insurance?

With Suited you certainly can and it won't cost you anything extra. We don't add APR, policy fees or charge to change or cancel your cover.

Contact us
Prefer to speak?

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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