Insurance for personal trainers

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

Pay as you go
Low prices, no extra charges or fees
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Insurance for personal trainers.
Insurance for personal trainers.
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Priced in a Jiffy
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subscription model
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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.

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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.

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.

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.

You need insurance for personal trainers 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.  

4 step quote

Save time by getting a price after four questions.

Buy online

Get insured anytime. Manage cover from your DIY portal.

Top insurers

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 personal trainers need?

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

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.

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Professional indemnity insurance | personal trainer

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 | personal trainer

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.

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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.

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 personal trainer insurance 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

Personal trainer


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.

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

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.

If I ask another trainer to take my client, will the session be covered by my Suited personal trainer insurance?

Yes but you should always ensure the trainer is suitably experienced or qualified and you never waive your legal rights against them.

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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