Insurance for fitness instructors

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

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Insurance for fitness instructors.
Insurance for fitness instructors.
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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.

Fitness instructor weighed down by insurance risks.

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.

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.

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.

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

the suited way
Insurance simplified

Our mission is to see small business insurance done fast, clear, upfront and painless.  

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Save time by getting a price after four questions.

Buy online

Get insured anytime. Manage cover from your DIY portal.

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Sleep well knowing your cover is backed by trusted UK insurers.

Pay as you go

Keep money in your pocket. Pay monthly, no APR or fees.

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Holiday mode

Pay less when not working by hibernating your PI cover.

UK call centre

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

covers to consider

What insurance do fitness instructors need?

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

Professional indemnity

Provides you with legal defence against claims of mistakes, failing duty of care, or saying the wrong thing.

Business legal protect

Provides you with legal and tax support as well as qualified advice in a number of specialist areas designed for the self employed.

Public liability

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

Finding the right cover

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.

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.

Exercise bike.

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

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.

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.

Keep in mind

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 professional 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.

Gym equipment.
Business legal protect
Included with your insurance

When you decide to protect your business with Suited we want you to get more than just insurance. That's why with every policy subscription we include Business Legal Protect. From the moment you sign up you gain access to extra support services which are all part of our price.

£100k of legal cover
  • IR35 & HMRC investigations
  • Legal matters concerning your business
  • Negative PR (£25,000 cover)
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)
Telephone helplines
  • Free tax advice
  • Free commercial legal advice
  • Counselling for you and your staff
  • Access to a legal template library
  • Identity theft assistance

How much does insurance for fitness instructors cost?

Price depends on many factors including business activity, the cover you choose and the level of protection (also known as the limit). With Suited you can mix and match covers and limits. Below are some cover examples, but you will be able to build your own.


Business activity

Fitness instructor


per month


per month


per month

Professional indemnity

Our core cover, to protect you and your business if you make a mistake in the course of your work, say something wrong about a client, or are accused of being negligent and your client says it has cost them money.


Business Legal Protect

A commercial legal expenses insurance there to protect you and your business from commercial disputes, legal claims, IR35 investigations, HMRC enquiries, criminal prosecutions, negative PR and identity theft. It also offers free and confidential tax, legal and counselling assistance whenever you need it.

with professional indemnity
with professional indemnity
with professional indemnity

Public liability

Defends your business against legal threats from third parties claiming you’ve caused them injury or property damage. Suited PL cover also pays compensation if due.

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Answer 4 questions then select the policies and limits you need.

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.

Are there any 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.

What fitness instructor insurance limits do I need?

Be guided by how many clients you have, how much you charge, how risky your classes are. If you have a contract with a premises provider, it might specify the minimum limit requirement. Always ensure that all contracts you have, either with your clients or third parties, limit your liability to the lowest possible amount. For example if a small studio that you rent demands that you have a £5,000,000 public liability limit, then there is a scope to renegotiate to a more appropriate limit reflective of the property.

Once you buy
If your plans change

No problem, with Suited you can flex your insurance as your business evolves.

Free to amend

Save money by not paying extra to change your cover.

Easy to cancel

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


Professional service and a peace of mind

My work contract requires professional indemnity insurance. Suited were quick to call back and very helpful explaining the product to me. Suited offers a trustworthy, professional service and a peace of mind.

Evie Jarecki

Suited was super efficient

Suited was easy to use, to the point, concise, I found everything I was looking for , was covered. The process was efficient and quick. Fast forms to fill in. I think the price was pretty competitive too.

Justin Leo

I was looking for business insurance…

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 in minutes.

Piers Field
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