Personal trainer insurance

Secure personal trainer 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
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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 personal trainers face many risks

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 biggest risks, and potentially a big mistake not to buy the best personal training insurance you can afford.

Unforeseen accidents during PT sessions

During a physical activity 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

You may look away or take an urgent phone call and just something happens to your client. Your reputation as well as your bank balance could be on the line.

Something you said is taken out of context

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

Public liability insurance for personal trainers

You need insurance for personal trainers 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.

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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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 personal trainer insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers personal trainers 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

Why is insurance for personal trainers important?

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?

A client walks away from a session with you where you told them exactly how to exercise but they take it too far in their own time. You might think that’s nothing to do with you. However, it’s not always as straightforward if the client claims it was a result of your guidance that they suffered an injury.

The next thing you know a letter comes in through the post demanding compensation.

Your reputation is on the line. As a personal trainer you are helping your clients to fulfil certain aspirations - it could be a body image or achieving certain results in the next Iron Man. Your client may turn to you for answers if they don’t get the desired outcome. The fact that they deviated from your advice is often irrelevant when they start bad mouthing you in front of your other clients or online.

And there are accidents. As a personal trainer you might be conducting sessions in a gym, or a park, possibly at the client’s premises. When you’re hosting a session, in other words when the client comes to you to train, you’ll need to make sure the space is suitable and safe.

Despite these precautions a fall or trip might happen and you want to have a peace of mind in the form of the right insurance if the situation turns against you. The same goes for an accidental damage to the equipment used or clients’ property. Perhaps they asked you to video them during a workout and you dropped their expensive phone.

Professional indemnity insurance for personal trainers

The statistics show that public liability insurance is searched about 10 times more than professional indemnity insurance for personal trainers and yet with professional indemnity insurance personal trainers can really focus on their work knowing they are protected if they're accused of providing the wrong advice and guidance to their clients.

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.

These are the common risks personal trainers face daily when working with clients. These issues are not unfortunate accidents but rather situations when your professional ability is called into question.

Ryan, a personal trainer on a contract with a large gym, found himself 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 and his insurance provider paid all of Ryan’s legal fees and the legal team successfully defended him against the claim.

Public liability insurance for personal trainers

Personal trainers often search for public liability insurance, believing it’s the only legal cover they need. It is certainly an important cover and essential to anyone who has regular face to face contact with their clients and the public while running a business.

The scenarios here aren’t hard to imagine. Clients tripping over the mat and rolling over on their ankle, a member of the public getting accidentally hit by a ball, a client breaking gym equipment while training with you. The list could go on.

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 personal trainer 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

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.

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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