Essential insurance cover for all qualified fitness instructors working in a gym, studio, home or outdoors.

Acquiring insurance is an important step in protecting yourself against potentially expensive liability claims. Whether you are a student or a graduate, it's essential to have the right insurance that gives you the best possible cover.

FitPro has been the UK leader in the provision of insurance for fitness instruction for over 25 years and offer flexible insurance for students and graduates, underwritten by one of the UK's leading insurers, Aviva – and giving you peace of mind.

What's covered?

  • £10 million indemnity limit
  • No excess
  • Lower age limit 14 years
  • No upper age limit
  • Up to 12 months worldwide cover
  • Cover for working on Cruise Ships


The following activities are included where the instructor holds an accepted certificate/ qualification in the specific area of instruction:

  • Personal Training
  • Gym Instruction
  • Exercise to Music
  • Circuit Training
  • Functional Training
  • Strength & Conditioning
  • Indoor Cycling
  • Aquatic Fitness Classes
  • Pilates
  • Yoga
  • Pre & Post Natal
  • Pad & Bag Work
  • Dance
  • Nutritional/ Dietary Advice
  • Online training
  • Children's Exercise – see description (when an accepted children's health related fitness certificate/qualification is held)
  • Fitness Testing
  • Bootcamp – see description (excludes use of tractor tyre/s and/or assault course type activities)

Important information:

Eligibility criteria

  • An accepted Certification (s)/Qualification in instruction is a requirement to obtain FitPro Insurance.
  • Evidence of an accepted Certification/Qualification is required when effecting the policy.
  • Must be a resident of the UK or the Republic of Ireland.

Policy details


  • The standard indemnity limit is £10 million for both Public Liability and Professional Indemnity. Cover excludes advice provided separately for a fee.
  • It provides cover for the instructor working within his/her accepted qualifications.
  • Includes advice the instructor gives on exercise and nutrition, except where provided separately for a fee.
  • Written on a worldwide basis for members resident in the UK and Ireland.
  • There is no limit to the number of participants within a class, providing health and safety requirements are observed.
  • “*Indemnity to Principal” is automatically included to protect the interest of the employer/contractor/hired or rented premises.
  • The policy is on a “*Claims Occurrence” basis.
  • No excess is payable by the instructor in the event of a claim.
  • Legal expenses included.
  • Deals with allegations made against you for injury, damage, libel and slander.
  • “*Member to Member” claims included.


  • As the policy is on a “Claims Occurrence” basis, as long as the contract was in force at the time of the incident, any claim will be dealt with by the insurers even if the policy is no longer in force.
  • All claims occurring within the period of insurance are dealt with by the insurer.
  • The instructor is required to provide information on the incident resulting in a claim being made.
  • The qualification certificate is required for the activity taking place when an incident occurred.

Additional Information

  • Increased indemnity of up to £20m is available if required.
  • Policy extendable for some activities not directly fitness related (contact FitPro for further information).

Terminology explained*

  • *No win, no fee: system used by solicitors where charge is only made if case is won.
  • *Indemnity to Principal: claim made against a principal (i.e., owner of hired premises, employer, contractor) which is the liability of the instructor will be dealt with under the instructor's insurance.
  • *Claims Occurrence: as long as the policy is in force at the time of the incident that results in a claim, the claim will be dealt with by the insurer even though the policy is no longer in force.
  • *Member to Member: incidents between class members that result in claim being made.

Acceptable certificates / qualifications

  • Gym Level 2
  • Exercise to Music
  • PT Level 3
  • Sports Science degree
  • Pilates qualification (only acceptable for those teaching Pilates in isolation and no other activities otherwise additional certification/qualification in the area of instruction will be required)
  • Yoga qualification (only acceptable for those teaching Yoga in isolation and no other activities otherwise an additional certification/qualification in the area of instruction will be required)
  • Accepted certificates/ qualifications are needed in the specific area of instruction – contact FitPro for more information

What's not included?

  • Instructors who do not hold acceptable qualification(s).
  • Contact sports/classes e.g. boxing, wrestling etc.
  • Kick boxing style classes where there is no contact is/could be acceptable (please contact FitPro for further information).
  • Any activities involving power lifting or Olympic weight lifting.
  • Bootcamp/army training classes if they involve the lifting/carrying/turning over of tractor tyres or assault course type activities.

Business Description

The business description for the Instructor Public & Teacher Liability insurance is Fitness Instructor. This is defined as an individual engaged in planned and structured exercise instruction of others. Exercise is considered as physical activity for the purpose of conditioning the body to maintain and improve health and fitness, enhance well-being and as a means of physical rehabilitation.

Equipment Inspection Guidelines

  • You must ensure that all equipment used must be inspected by a competent person before use each day and withdrawn from use until any defects found are repaired.
  • If in relation to any claim you have failed to fulfil this condition, you will lose your right to indemnity or payment for that claim.

Aquatic Fitness Classes

  • Instructor must hold an accepted aquatic fitness certificate
  • Includes deep water where an accepted deep water qualification is held
  • Qualified lifeguard must be present at all times
  • Floatation jackets or floatation belts must be worn by participant/s for deep water classes
  • Participant/s must be able to swim for deep water aquatic classes
  • Aquatic Fitness Classes must be performed in swimming pools – not open water


  • Performed indoors or outdoors using a variety of interval training activities to include light to moderate weights and bodyweight exercises to include pushups, sit ups, squats, burpees, TRX, running, plyometrics and stretching
  • Please contact FitPro for a separate quote if the Bootcamp involves any other activities not described above.
  • Important note: Use of tractor tyres or assault course type activities are not included

Children's exercise

  • Children's Exercise is defined as games, routines, warm-ups, cool downs, circuits, relays, dance and yoga.
  • Children's exercise is included as long as an accepted children's health related certificate or qualification is held and legal requirements are adhered to.
  • Some children's exercise activities may not be included as standard but may be quoted separately – see Additional Activities list or contact FitPro for more information.
  • Children's exercise is applicable for children of 3.5 to 14 years of age.
  • Children's Yoga/ Pilates included on the basis of meeting the following criteria: [1] children's Yoga and/or children's Pilates certificate plus a Level 2 instructor qualification; or [2] adult Yoga and/or adult Pilates qualification in addition to a children's health related fitness certificate/ qualification

First aid

  • A qualified First Aider must be available during any supervised fitness activity.

Health and safety

  • An appropriate health and safety risk assessment must be completed by a competent person prior to undergoing any fitness instruction activity to include checking the safety of equipment prior to usage as outlined in the ‘equipment inspection guidelines’.
  • The instructor is responsible for ensuring the training environment is safe and for the provision of safe instruction and proper performance of exercise(s) to prevent injury and promote health.
  • The instructor is responsible for assessing the capability of the participant and for the provision and execution of safe and effective exercise, adapting exercise accordingly to meet the ability level of the participant(s).
  • Please refer to the ‘Loss Prevention Standards’ for further information.

PAR-Q form

  • Participants must complete a PAR-Q form prior to participation in any fitness activity. Where applicable the participant/s should consult with their doctor before participating in the activity.
  • In the event of a claim the instructor may be required to present evidence of the PAR-Q form completed by the participant.


We are authorised and regulated by the Financial Conduct Authority. We are registered as Fitness Professionals Ltd, Kalbarri House, 107-113 London Road, London E13 0DA and our firm's reference number is 310684.

You may check this information and obtain further information about how the Financial Conduct Authority protects you by visiting its website at or calling 0800 111 6768.

The FitPro Insurance Scheme has been designed with you in mind to provide the necessary legal protection and, above all, peace of mind.

Contact FitPro for further information: or +44 (0)20 8586 0101.

Complaints Procedure

Our Promise of Service

Our goal is to give excellent service to all our customers but we recognise that things do go wrong occasionally. We take all complaints we receive seriously and aim to resolve all our customers' problems promptly. To ensure that we provide the kind of service you expect we welcome your feedback. We will record and analyse your comments to make sure we continually improve the service we offer.

What will happen if you complain:

  • We will acknowledge your complaint promptly.
  • We aim to resolve all complaints as quickly as possible.

Most of our customers' concerns can be resolved quickly but occasionally more detailed enquiries are needed. If this is likely, we will contact you with an update within 10 working days of receipt and give you an expected date of response.

What To Do If You Are Unhappy

If you are unhappy with any aspect of the handling of your insurance we would encourage you, in the first instance, to seek resolution by contacting Fitness Professionals Ltd.

If you are unhappy with the outcome of your complaint you may refer the matter to the Financial Ombudsman Service at:

The Financial Ombudsman Service: Exchange Tower, London E14 9SR
Telephone: 0800 023 4567 (calls from UK landlines and mobiles are free) or 0300 123 9123

Or simply log on to their website at

Whilst we are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure does not affect your right to take legal action.

Note: This is an outline of cover only. A copy policy is available on request.