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Fitness Instructor & Personal Trainer Insurance

Personalised business insurance to protect fitness professionals.

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Trusted by over 23,000 clients for their business insurance
Quick and easy online cover for your profession
Rated 4.7 out of 5 by over 3,500 clients at feefo.com
business insurance for personal trainers and fitness instructors

Our business insurance offers protection for legal fees in case something goes wrong and a client makes a claim against you.

The pursuit of a career in the fitness industry is often driven by a love for the job, and the desire to help others get into their peak physical condition. The majority of fitness instructors operate on a self-employed basis, often based at multiple venues, which can make getting the relevant insurance policies seem like a daunting task.

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Why do fitness professionals need insurance?

Making sure you have the right levels of insurance protection from the start means you can carry on with the day to day running of your fitness business confident in the fact that you’re protected.

Fitness instructor and personal trainer insurance can be particularly complicated if you’re frequently making use of heavy or complex equipment in your day to day interactions with your clients, so it’s absolutely necessary that you have the correct coverage to indemnify you against allegations of negligence that could cause physical harm.

Why choose Caunce O'Hara for your business insurance?

As freelance insurance experts, we're your number one choice for your business protection.

Caunce OHara business insurance for contractors and freelancers

Trusted by over 23,000 clients for their business insurance.


Immediate cover available, with documents issued via email in minutes!


Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.

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I had spoken to Caunce O'Hara prior to the transaction and it all went smoothly for me. I have used them now for 12 years.
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Excellent Customer service and value for money. Best public liability, professional indemnity and employers liability insurance offer I’ve come across.
Trusted Customer
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Company insurances renewed for another year with Caunce O'Hara. No drama, issues or concerns.
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Frequently Asked Questions

Fitness professionals are engaged by people to help them get in shape, keep fit and potentially lose weight. Any advice provided that a client deems to be poor and ineffective could lead to a claim.

A couple of examples could include:

  • You provide a nutrition plan for your client, but they put weight on, or it makes them feel unwell.
  • You provide a weight training plan for a client and they injure themselves.

Professional Indemnity insurance would respond to provide cover in most instances such as these.

A client is injured whilst in your care

A client sustains an injury during one of your training sessions. This instance you would be covered by Public Liability insurance.

With our online quote and buy system you can get an indicative quotation for your insurance in a matter of minutes. Professional Indemnity insurance starts from as little as £98.00 per year, while Public Liability insurance stars from only £112.00 per year.

What you will pay depends on your needs and your level of risk. If you have a specific requirement or would simply like assistance with your quote please contact 0333 321 1403.

Apart from Professional Indemnity insurance which will provide cover for poor fitness instruction and advice, you will typically be required to carry Public Liability insurance because you meet clients face-to-face. However, some gyms will cover this if you are a resident instructor there, so please check first.

It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability. Directors and Officers insurance will cover you in this instance.

If you handle client data, then a cyber liability insurance policy could be valuable to ensure you and your clients are covered in case your computer is hacked and the data is stolen or leaked.

Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from being called up for jury service.

Contact us

Call 0333 321 1403

Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.

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Contact Caunce O'Hara for your business insurance today