Do you need CIMSPA registration?
Why it matters even without a legal requirement.
Personal TrainerInsurance
Personal Trainer Insurance
Public liability and professional indemnity cover built for personal trainers, whether you train clients in a gym, studio, park or their own home.
Public liability and professional indemnity cover built for personal trainers, whether you train clients in a gym, studio, park or their own home.
Injury in sessionsNutrition advicePortable kit
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What is personal trainer insurance?
Personal trainer insurance is a combination of covers built around coaching clients through exercise, public liability for injury during a session, professional indemnity for bad advice, and employers’ liability if you have staff.
Many gyms require freelance trainers to hold their own insurance and CIMSPA registration before letting them train clients on-site, CIMSPA membership isn’t a legal requirement, but it’s often expected by gyms, clients and insurers.
The right personal trainer cover depends on:
Where you train clientsGym, studio, outdoor or home-basedWhether you provide nutrition adviceLevel of professional indemnity coverAnnual turnoverWhether you use subcontractors
Is this cover right for your work?
Is this cover right for your work?
This cover suits any business coaching clients through fitness or exercise.
This cover suits any business coaching clients through fitness or exercise.
Freelance Gym Trainers
Training clients within a gym or health club.
Outdoor & Bootcamp Trainers
Running sessions in parks or outdoor spaces.
Home Visit Trainers
Training clients in their own homes.
Online Personal Trainers
Coaching clients remotely.
Studio-Based Trainers
Running sessions from your own studio.
Sports-Specific Coaches
Specialising in a particular sport or discipline.
What could go wrong for a personal trainer?
What could go wrong for a personal trainer?
Most personal trainer claims come from a client injured performing an exercise, unsuitable advice for a client’s condition, or faulty equipment you provided.
Most personal trainer claims come from a client injured performing an exercise, unsuitable advice for a client’s condition, or faulty equipment you provided.
How could a claim affect your business?
How could a claim affect your business?
A single injury claim can outweigh months of income for a freelance trainer.
A single injury claim can outweigh months of income for a freelance trainer.
Client Injury
A client is hurt during a session you led.
What cover may respond?
Public Liability
Bad Advice
Advice unsuitable for a client’s condition causes harm.
What cover may respond?
Professional Indemnity
Equipment Theft
Portable training equipment is stolen.
What cover may respond?
Business Equipment
Staff Injury
An employee is injured at work.
What cover may respond?
Employers’ Liability
Who needs personal trainer insurance?
Personal trainer insurance may be suitable if you coach clients through exercise, whatever your setting.
This cover may be suitable if you’re:
Training clients within a gymRunning outdoor or bootcamp sessionsVisiting clients’ homesWorking with a mix of long and short-term clientsUsing associates or subcontractorsEmploying training staffCover built around your work
Cover built around your work
Most personal trainers combine public liability for session injuries with professional indemnity for advice, plus equipment cover for portable kit.
Most personal trainers combine public liability for session injuries with professional indemnity for advice, plus equipment cover for portable kit.
Professional Indemnity
Protection if your advice causes a client harm or a financial loss.
Public Liability
Protects against costs if a client is injured during a session.
Business Interruption
Potential protection for lost income if an insured event stops you working.
Business Equipment
Cover for eligible training equipment and kit.
Employers’ Liability
A legal requirement once you employ any staff, even casual help.
Legal Expenses
Additional legal protection for contract and client disputes.
How much does personal trainer insurance cost?
There’s no fixed price. It depends on where you train clients, staff numbers and your claims history.
Types of training offered
Combat sports or high-intensity training can carry higher risk.
Gym, outdoor or home-based
Training in clients’ homes can affect your public liability needs.
Level of professional indemnity
Higher limits mean a higher premium.
Annual turnover
Higher turnover generally means a higher premium.
Number of staff
More employees increase your employers’ liability exposure.
Claims history
A clean claims record helps keep premiums down at renewal.
How to get personal trainer insurance
How to get personal trainer insurance
Getting personal trainer insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
Getting personal trainer insurance takes four steps: tell us about your work, tell us what covers you need, compare specialist insurers, then get covered, often the same day.
1
Tell us about your work
Where you train clients, and whether you have staff.
2
Choose your covers
Public liability, professional indemnity and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Personal trainer insurance guides
Personal trainer insurance guides
Practical advice on cover, CIMSPA and staying protected.
Practical advice on cover, CIMSPA and staying protected.
Personal trainer insurance FAQs
Personal trainer insurance FAQs
Straight answers on cover, CIMSPA and cost.
Straight answers on cover, CIMSPA and cost.
Personal trainer insurance is a combination of covers built around coaching clients through exercise: public liability for injury during a session, professional indemnity for bad advice, and employers’ liability if you have staff.
Still have questions?
Our advisers are here to help you find the right solution.