Fitness Instructor Insurance

Even if you take your clients’ safety seriously and are precise with your instructions, accidents can still happen. That’s why Public Liability is an essential form of insurance for many fitness instructors.

It doesn’t matter whether you run group or private sessions, or whether you teach outside or in a gym, someone injuring themselves or damaging property in your session is a risk which could end up leaving you out of pocket. For instance, a client could trip over a weight you left on the floor, or you or a client could accidentally damage equipment in the gym you’re working in.

Insure4Sport’s Public Liability protects your legal accountability if a claim is made against you for the above reasons. As explained above, most gyms and sports centres will require proof of Public Liability, so it’s essential if you want to use their facilities.

• Our Public Liability cover starts at £1 million.
• You’ll also get £1 million of FREE Professional Indemnity cover when you take out our Public Liability cover, protecting you against claims that arise from the advice you’ve given to clients.

Cover for equipment repairs and replacements:

We understand that as a fitness instructor, you’ll use a range of equipment to give your clients a fun and challenging session. Although you’ll be careful with it, taking it back and forth to different locations, as well as allowing beginners to use it for the first time, can make accidents quite common.

Whether it’s your dumbbells, scales or speakers, if your equipment is lost, damaged or stolen, you might be unable to work.

Our Equipment cover, with a maximum of £2,500 per single item, ensures your sports equipment can be repaired or replaced with as little disruption as possible, meaning you’ll be back motivating your clients in no time.

• Fitness instructors can cover their equipment against theft, loss, and damage.
• If an item is under one year old – and was bought new – we’ll replace it new-for-old.

Personal Accident cover if you require treatment:

Accidents can happen to even the most experienced fitness instructors. If you sustain an injury and require physio or even surgery, it can be expensive, so it makes sense to protect yourself.

That’s why we provide up to £50,000 of Personal Accident cover, to ensure the financial impact of any injuries is kept to a minimum by compensating you for serious injuries or certain treatments you need.

Loss of Earnings cover if you’re unable to work:

It can be scary to think an injury sustained whilst training others might prevent you from working for a while, putting your income on hold and your bank account in the red..

We offer optional Loss of Earnings cover of up to £750 per week when you take out Personal Accident cover because we understand it’s important you are financially supported while you’re on the mend.

Employers’ Liability if you employ staff:

If you employ staff as part of your fitness instructing business, you’re legally required to take out Employers’ Liability insurance. If any of your employees were to suffer an injury whilst at work and hold you responsible, you could be on the receiving end of an expensive compensation claim. Employers’ Liability enables you to meet the costs of a claim due to employee’s injuries, whether they occur on or off-site.

Worldwide cover:

Perhaps you fancy a change of scenery? If you want to teach fitness sessions abroad, you need to stay protected with our insurance.

That’s why we provide you with up to 180 days of cover wherever you are in the world – so you can stop worrying and focus on planning your sessions on the beach!