Fitness Instructor Insurance
Provided by Protectivity
-
Public liability cover for fitness instructors
-
Training equipment cover
-
Save 10% online*
Award winning insurance
Recognised for our specialist approach
to sports and travel insurance.
Trusted by 75,000+ customers
Exceptional-rated cover from thousands of active travellers.
Backed by AXA XL
Buy with confidence with cover
underwritten by a leading insurer.
Thousands rate how easy it is
We’ve refined our process to make buying sports insurance abroad simple but thorough, with cover designed around the activities you take part in, from training trips and competitions to active holidays overseas.
Why choose us
SportsCover Direct is a specialist insurance provider focused entirely on sport. For over 30 years, we’ve helped athletes, teams and organisations get the protection they need, whether they’re travelling, competing, or training abroad or in the UK.
Covering 500+ sports
Fast online quotes
Established over 30 years
UK-based support team
FAQs
Our PT insurance policies all include the following as standard, which provides comprehensive cover to personal trainers.
- Personal trainer liability insurance – Either £1m, £2m, £5m or £10m
Liability insurance for personal trainers covers them for claims, damages and injury to members of the public or their property. This could come about if you or one of your clients causes damage to the gym in which your sessions are held. - Professional Indemnity cover – level matched to that of your Public Liability
Should one of your clients injure themselves and deem it to be because of your negligence, then Professional Indemnity protects you. Any claim could be the result of a client claiming you gave bad advice or set them a task which in turn, caused them an injury. - Sports Equipment cover – £500 as standard for FREE (up to £30,000 available)
The tools of the trade which you use are protected by our policy too. Up to £250 of cover is included as standard, which ensures any damage to your equipment caused by a client or third-party is covered. - Personal Accident cover (not included as standard – optional extra)
This part of the policy protects the personal trainer themselves. Depending on the specific injury, your policy could pay out if you were to injure yourself while taking a personal training session.
Yes, provided you comply with the below requirements for remote coaching/instruction (live or prerecorded):
In respect of any coaching or instruction that is undertaken remotely, it is strongly recommended that the Insured should:
At the commencement of the session, advise participants:
- that by participating they are doing so at their own risk;
- a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate;
- to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains;
- avoid the use of blades, weapons or sharp instruments of any description;
- avoid physical contact with other participants and where appropriate, adhere to social distancing guidelines;
Ensure that sessions are conducted for the benefit of participants who have demonstrated sufficient suitability to participate;
- with new clients you must ensure that;
- you obtain a signed PAR-Q form prior to the first session
- you have had a pre-training consultation call
Continue to only instruct activities in which you are qualified to do so;
Record the session. Retaining the recording for a period of up to thirty-six (36) months may assist in any claim made against you
Maximum class size is 16
Get specialist cover in minutes
Covering over 500 sports with quick online quotes and UK- based support, if you need it.
Latest from our sports insurance experts
Before booking a hiking holiday in France: Know this
France offers some of Europe’s most varied and rewarding walking. That variety is exactly what makes hiking holidays in France so appealing. It also means that choosing the right trip requires more than finding a route with good views. A walking holiday in Provence will involve very different conditions from…
Summer Sailing in Greece: Safety tips beginners often overlook
From choosing the right islands to packing smart and staying safe in the summer heat, here's what to know before your first Greek sailing holiday. Your first sailing holiday in Greece is likely to be unforgettable; but probably not for the reasons you expect. It might be discovering that the…
How to stay active and safe on sports holidays in hot weather
Another summer, another wave of headlines about soaring temperatures across Europe. From record-breaking heat in recent years to temperatures climbing above 40°C in parts of Spain, Greece, Italy and Portugal, Europe's summers are becoming increasingly hot. For travellers planning walking holidays, cycling trips or watersports adventures, it's natural to wonder…
Is it safe to play tennis in extreme heat?
With temperatures hitting the mid-30s across parts of the UK, breaking records for June, and Wimbledon putting tennis firmly back in the spotlight, many recreational players are asking the same question: is it safe to play tennis in 35-degree heat? While tennis is traditionally associated with sunny weather, playing tennis…
10 Tips for Planning a Golf Weekend This Summer
For some, summer is golf weekend season. Longer days, firmer fairways and the chance to spend a few days away with friends make it one of the highlights of the golfing calendar. But if you've been nominated as the organiser, you'll know a golf weekend involves far more than simply…
For many sailing enthusiasts, crossing the English Channel and sailing from the UK to France is one of the most rewarding boating adventures available close to home. Whether it’s a weekend trip to a French marina, a longer coastal cruise, or a solo sailing challenge, the route offers a mix…
Best places for solo travel adventures 2026
Solo travel continues to grow in popularity, with more people choosing independent adventures that offer flexibility, personal growth, and unforgettable experiences. From hiking volcanoes in Central America to exploring mountain trails in Europe, solo traveller adventure holidays are becoming a major trend for travellers looking to combine freedom with adventure.…
What to do when your passport is lost abroad
Losing your passport abroad is one of the quickest ways to derail a trip. Whether it’s been stolen, misplaced, or accidentally left behind, being without your passport can affect everything from checking into flights to proving your identity. It’s also more common than many travellers realise. More than 83,000 UK passports were reported…
Best EuroVelo routes from the UK for cycle tourers
You don’t need a flight, a complicated bike box, or weeks of logistics to cycle across Europe. From the UK, you can roll straight onto the EuroVelo network, a web of long-distance cycling routes that connect the continent. Better still, three of those routes run through the UK itself. Which means you can start close to home…
What to wear rock climbing outdoors
There’s something uniquely exhilarating about taking your movement training onto real rock, the constant problem‑solving, the way your body adapts to each hold, and the quiet test of strength, balance, and control that outdoor climbing demands. Every route challenges you differently, and what you wear can directly affect how freely…