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Fitness instructor insurance

At, we care about keeping your business fit and healthy too.

Why us?

  • Our customers rate our services highly on Feefo, an independent review platform
  • Established since 1990, you can contact our call centre within the UK
  • If you need employers’ liability cover, we provide up to £10 million indemnity as standard
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What is fitness instructor insurance?

As many fitness instructors work on a self-employed basis, even if some of their sessions are conducted at a leisure centre or private gym, the correct insurance is essential. When working as a fitness instructor, there are a number of potential areas of liability for which appropriate cover is needed.

In the first instance, there is a need to protect yourself in case an error on your part (and we're all human and make mistakes) causes injury or damage to a third party. Secondly, there is the need to have some form of fitness instructor insurance to cover against a member of your class making a negligence claim against you. From the minute your clients enter the studio or gym, you have a duty of care towards them. This means that, should an accident occur, you are open to negligence claims that could leave you bankrupt without appropriate insurance cover. Thirdly, it is worth considering some form of cover should you be unable to work for any reason. At, we can give you access to a number of different policies, enabling you to end up with the fitness instructor insurance you need.

Who needs fitness instructor insurance?

If you are a fitness professional, it is highly likely that you will need at least one form of insurance in order to operate legally. This applies whether you are a gym instructor, personal trainer, physical training instructor or class teacher.

Even if you are a business employee, with recognised employee benefits and responsibilities, it may still be the case that you will need your own personal liability insurance before you are able to work legally. Although the exact wording of the policy document may vary depending on the type of instruction you complete, if you work in the exercise industry, it's highly likely that you will need to make your own cover arrangements.

What does fitness instructor insurance cover?

The details of cover vary depending on the policy. As an FCA licensed insurance provider, will work with you to make sure you're clear about what your cover includes.

In summary, the main areas of cover fitness instructors might need are:
Personal liability insurance - this covers claims made against you by a third party for damage or harm you may have caused through negligence. In addition to claims from your clients, you may also face claims from the owners of the premises in which you operate, other staff members or class bystanders.
Public liability insurance - if you're in contact with the public, there is a chance they will claim that your actions have been negligent and injured them in some way. Public liability insurance covers this risk.
Employers' liability - if you employ other instructors, you are required by law to have this insurance.  Failure to do so might result in legal action and substantial fines. Employers' liability covers you against this.


  1. Since 1990, we've been helping businesses find the cover they need to stay protected
  2. UK based contact centre trained to help you with your insurance queries
  3. Flexibility to adapt your policies throughout the year
  4. Your cover can include own plant & tools, hired in plant and contract works

Read our guides

Read our FAQ's

Before insurers quote you a premium for your policy, they will first consider a number of factors…

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The normal limits are £1m, £2m or £5m. This can be extended up to £10m or more if required. 

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As an employer in the UK, you’ll need to protect yourself and your company against claims of negligence brought by…

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If you have been working without a professional indemnity policy, we can backdate your professional indemnity insurance policy provided that…

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