Insurance for Personal Trainers

Why do Personal Trainers and Exercise Professionals need insurance?

Helping clients reach their health and fitness goals is what you do best. But accidents and injuries could leave your business in the red. Insurance for personal trainers can help you manage the cost of lawsuits and other unplanned events so you don’t suffer a financial loss.

What types of insurance do fitness professionals need?

The two most common types of insurance for fitness businesses are Professional Indemnity and Public Liability insurance. However, other types of cover may also fit your business needs.

Professional Indemnity insurance

Professional Indemnity* protects personal trainers against losses claimed by a third party due to alleged or actual negligence in their professional services or advice. Subject to applicable limits, your Professional Indemnity insurance will meet the associated compensation payable to a third party together with your defence costs (which can include legal costs, investigator costs and expert fees).

Public Liability insurance

Public Liability insurance* protects you and your fitness business in the event a customer, supplier or a member of the public brings a claim against you due to their being injured or sustaining property damage as a result of your negligent business activities.

A policy may be required if you operate as a gym or studio contractor or obtain a council permit to run outdoor sessions in public areas.

Business Insurance Package

A Business Insurance Package can be customised to include cover that fits your business needs, such as:

Portable Equipment insurance* – Covers specified items such as tools, business equipment or electronic items, or unspecified items of lower value. It can help you replace damaged or stolen equipment that is essential to doing your job.

Contents insurance* – Covers your business contents or stock if they are damaged in a fire, storm or due to malicious damage or some other defined event listed in the policy.

Personal Accident and Illness Insurance

Your body is your business. If you were to seriously injure yourself or fall ill, you will likely need to take time off work to recover .

Personal Accident and Illness insurance* can provide levels of cover for loss of income, permanent disablement and even death if you are unable to work as a result of an injury or illness (even if it occurs outside of work).

Who needs fitness business insurance?

BizCover protects a range of health and wellness professions, including:

• Fitness instructors
• Group fitness professionals
• Gym owners

How much does personal trainer insurance cost?

BizCover helped insure over 5,000 personal trainers during FY2023, who paid an average monthly premium of $31.54 for their business insurance. 92% of personal trainers using BizCover earned up to $100,000 in annual revenue^†.

Insurance costs do vary, based on various factors like your business size, location, and the amount of cover you choose.

Comparing quotes with BizCover can help you understand the cost of fitness professional and exercise business insurance for your business.

Common questions about fitness business insurance

Hear what our Personal Trainers have to say

*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy document. The information contained on this webpage is general only and should not be relied upon as advice.
†Customer Average Monthly Payment Amount is based on FY23 and presented as a guide only. It may not reflect pricing for your particular business, as individual underwriting criteria will apply.