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Essential Cover

Insurance For Personal Trainers

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Having insurance is a fundamental part of being a true fitness professional, and it’s important to know you are getting the best.

Whether you’re a student or a graduate FitPro has the right insurance that gives you the best possible cover – after all, we’ve been fitness specialists for over 30 years.

Industry leaders in personal trainer insurance

Our insurance cover is trusted, reliable and everything you would expect from an industry leader. Personal Training is included in the Instructor Public and Teacher Liability insurance on the basis of holding a supporting Level 3 certificate in Personal Training. The insurance includes a broad range of PT activities to include one to one and small group training – whether that be on a face-to-face basis or online.

Personal Trainers have a duty of care to their clients: having insurance is an important part of being a true professional.  The insurance protects Personal Trainers against claims made by members of the public for injuries that occur in connection with your personal training sessions.

Male personal trainer taking a woman through an intense leg work out
Man in a wheel chair exercising using the cable machine

Why do you need insurance as a personal trainer?

The majority of gyms and leisure facilities will require proof of insurance to work on the gym floor. Furthermore, PT clients may also want to see evidence of your insurance cover. The personal training insurance will meet these requirements and allow you to focus on helping your clients achieve their training goals and objectives.

We cover:

✔️ Up to 12 months’ worldwide cover
✔️ Cover for working on cruise ships
✔️ No excess
✔️ Lower age limit 14 years
✔️ No upper age limit

The insurance also covers a broad range of other fitness activities including Group Fitness, Yoga, Pilates and more…

Affordable personal trainer insurance

Even better, our cover is affordable. We offer monthly direct debit options, for as little as £4.38 per month, and you can apply online. Choose your cover from  £2m, £5m or £10m options for Public Liability cover. What’s more, because we are active fitness industry experts, you’ll also get a FREE FitPro Core membership (valued at £35) which entitles you to a host of great FitPro benefits including the highly respected FitPro magazine which is full of evidence-based articles and programming ideas.

The FitPro Instructor Public and Teacher Liability insurance is designed for qualified fitness industry professionals who hold a supporting qualification in the area of instruction.

Woman exercising using gymnastic rings

Affordable cover

Even better, our cover is affordable. We even offer monthly direct debit options, for as little as £4.38 per month, and you can apply online. Choose your cover from £2m, £5m or £10m options for Public Liability cover. What’s more, because we are active fitness industry experts you’ll also get a FREE FitPro Core membership (valued at £35) which entitles you to a host of great FitPro benefits including the highly respected FitPro magazine which is full of evidence-based articles and programming ideas.

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Why FitPro?

Yes, we are the UK leader in the provision of flexible insurance cover for fitness industry professionals like you. But FitPro is also widely recognised as the leading voice in the fitness industry. We fully understand the needs of fit pros and offer extensive education and support. Plus, the FitPro insurance scheme is underwritten by Aviva, the UK’s largest insurer – giving you true peace of mind.

You know you need insurance, so here’s the online application. Or if you’d prefer to chat on the phone please call us… we are a friendly bunch that know our stuff, and are all super happy to chat through your needs.

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A group exercise session of squats

Personal Trainer FAQs

Why do I need insurance as a personal trainer?

It is important for Personal Trainers to have Public liability insurance to protect themselves against expensive liability claims from clients/ participants in the event of an injury resulting from your instruction.

An insurance claim could result in significant compensation costs and legal fees – Public Liability insurance is important to protect you against unexpected accidents and claims from your clients/ participants.

What type of insurance do I need as a personal trainer?

Instructor Public & Teacher Liability insurance includes one-to-one and group sessions on a face to face and online basis to include live interactive sessions via Zoom, live streaming and pre-recorded content.

Other insurance options are available to include Personal Accident, Equipment, Sports Massage, and Additional Activity cover for other specialist fitness related activities.

It is important to choose the right insurance before it’s too late!

How much does personal trainer insurance cost?

FitPro offers three indemnity options for Instructor Public and Teacher Liability insurance to include £10 million (£59.99), £5 million (55.00), and £2 million (£50.00) per annum, inclusive of Insurance Premium Tax.

Choosing FitPro for your personal trainer insurance also includes FREE FitPro Core membership (valued at £35) which gives you FitPro bi-monthly digital magazines, E-newsletters, live webinars and discounts on Continued Professional Development.

What activities are included?

The insurance is designed for Personal Trainers working in health clubs, gyms, studios, leisure facilities, community centers, private homes, outdoors and also online. The insurance is written on a worldwide basis for residents of the UK.

Additional Activity cover is also available separately for a variety of other specialist activities such as Specialist Populations, Parent & Baby Classes, Tai Chi, Nordic Walking, Pole Dancing, Swimming Instruction, etc.

What is the PT qualification criteria?

Personal Trainers should hold a supporting Level 3 Personal Training certificate or equivalent through a National awarding body (such as Active IQ), CIMSPA endorsed training provider, or Internationally recognised training provider.

Supporting certificates should be held in other relevant areas of instruction – such as Indoor Cycling, Aquatic Fitness, Pre & Post-Natal exercise, Reformer, etc.

What is the indemnity limit?

The insurance is underwritten by Aviva. FitPro offers indemnity options to include £10 million, £5 million and £2 million – there is no excess.

Where can I provide my PT services?

The insurance is designed for instructors working in health clubs, gyms, studios, leisure centres, community centres, village halls, private homes, outdoors and online.

A health and safety risk assessment should be completed. You can find more information around managing risks and risk assessment via the HSE website:

Is personal training covered outside of the UK?

The insurance is written on a worldwide basis for residents of the UK. The insurance includes up to 12 months’ worldwide cover, including working on cruise ships. You must remain a UK resident.

Can I host online personal training?

The insurance includes live interactive face-to-face personal training such as Zoom, live streaming and pre-programmed video content. Please see the online training guidelines via the following link:

Can I host outdoor personal training?

Training (led by a qualified instructor) can take place outdoors on the basis of completion of a health and safety risk assessment – for example, ensure the environment/equipment is safe, free from obstacles, obstructions, hazards, fit for purpose, first aid provision, etc. Check with your local authority if a park licence is needed and seek the landowner’s permission, where necessary.

What is the pre-screening requirement?

Each participant should complete a PAR-Q form. If any risk factors have been identified, the participant should seek approval from their GP. You should continue to pre-screen participants before each session and refer accordingly.

What is the minimum age?

The minimum age for Instructor Public & Teacher Liability is 14 years, and the minimum age for Student Public Liability cover is 16 years. There is no upper age limit.

Can I get insured for other activities?

Additional activity cover is available for other fitness activities on the basis of a holding supporting qualification. The additional activity insurance runs in conjunction with the instructor public & teacher liability £10 million cover.

How can I pay for insurance?

Payment for insurance can be made by Credit or Debit card or by monthly Direct Debit. Payment by Direct Debit will auto-renew on an annual basis. You can set up insurance by logging in to or by telephone on 020 8586 8635.

Do you offer student insurance?

Student Public Liability Insurance is available if actively working towards gaining an instructor qualification.

The student insurance is valid for 12 months on the basis of successfully completing the instructor training within the first six months.

You can find more information here:

Our Philosophy

Our philosophy has always been to listen, support and deliver. We are the conduit between the academic and the fitness professional, the one who makes a real difference to the community. We do this by making sure our offerings are fit for purpose, affordable and world class … totally and always.

FitPro Insurance Services is a trading name of PHL Insurance Brokers Ltd. Authorised and Regulated by the Financial Conduct Authority – FRN 301732. Company Registration number 04851546 – Registered office 15 Bowling Green Lane, London, EC1R 0BD