Insurance for Personal Trainers

Affordable personal trainer insurance that combines professional indemnity, public liability and products liability

Starts from $323 per year

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What is covered under the personal trainer insurance policy?

Personal trainer insurance under the allied health professionals insurance covers personal trainers, fitness professionals, gym instructors, gym owners and is designed to include professional indemnity, public liability and products liability.

This insurance is suitable for personal trainers working remotely, online, at home, as a gym instructor or a gym owner.

The policy can cover personal trainers that work full time, part time or freelance.
Public Liability

Public liability insurance protects you and your personal training business against any liability if someone is injured on your premises or while you are providing your services.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your personal training business in the course of providing your.

Third Party Property Damage

Products liability insurance protects you for claims made against your personal training business for any products sold or supplied by you to a third party.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your personal training business.

Defamation

Protects you and your personal training business against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your services.

other benefits

Value added benefits of personal trainer insurance

Contract Review

This entitles you to four contract reviews each year you have your personal trainer insurance policy. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

cover for all situations

This personal trainer insurance extends cover to the following listed locations

Council park
Beach or foreshore
Client home or gym
Retirement community gyms
Schools, colleges and universities
Fitness centres/facilities
Boutique fitness centres
Corporate fitness centres (when training company's employees)
Pay-a-fee studios when working as an independent fitness contractor

In addition to the regular work, this insurance covers your training business at:

Outdoor bootcamps
Own home based gym
Client's home
Online workout
Home garage workout (during COVID-19 lockdown)
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events covered
Physical Injury

You’re a personal trainer and during a weights  training session with a client, you accidentally drop a 5kg slam ball-breaking their big toe.

Trips, Slips and Falls

At your regular sunrise boxing class, one of your newer client’s gets lost on the warm up run and falls down some disused stairs on the walking track close to the council park that you run your class. They are seriously injured and off work, and make a claim that you didn’t provide proper instructions.

Negligence

While preparing a client’s exercise plan as part of their fitness package, you do not consider an existing medical condition leading to health complications.

Error of Judgement

During a one-on-one gym training session with a client, you push them to pick up more weights than they were comfortable with leading to injury and they were unable to work as a construction worker for 12 weeks.

Bad Professional Advice

Your client sustains a back injury from a leg machine exercise you recommended as their personal trainer

Third Party Damage

You accidentally damage the wall at your client's house during a client visit workout session

exclusions

What is not covered (exclusions) under the sports trainer insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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other occupations covered

Check out some other occupations covered under the Allied Health Professionals insurance policy

Yoga Instructors
See More
Pilates Instructors
See More
Sports Trainers
See More
Dieticians
See More
Nutritionist
See More
Other 20+ fitness Professions
See More
how upcover works

How upcover works

To get your instant policy quote, all you need to enter is your occupation as a personal trainer and your expected income!

No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get gym trainer insurance to win that client or to conduct some classes at your new personal training gig, having a certificate of insurance at your fingertips certainly helps!
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With upcover, you can get your certificate of insurance instantly. Even better, you can share it with just one click!

The sky’s the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, personal trainer insurance is the perfect solution for fitness trainers and gym owners.
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faqs

You asked, We answer

Why is personal trainer insurance important?

Personal trainers help people get in the best of shape and adopt healthier lifestyles. They help people by setting goals, plans and providing advice on exercise and recovery.
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The job of a personal trainer entails a duty of care to their clients so it’s important to make sure any exercise or fitness activities you recommend are suitable and safe. However, sometimes mistakes happen and things do not go according to plan. If your client holds you responsible, it could put everything you have worked for at risk.
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Professional Indemnity insurance protects you and your business against any advice you give to your clients - whether on exercise posture, exercise strengthening or recovery plans.
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You may still be required to get insurance even if you are working as a freelance personal trainer, or as a contractor. If you're unprotected, you could suffer a devastating financial blow.

What can a personal trainer be sued for?

While we hope it doesn't happen, personal trainers can potentially be sued for:
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1. Covering medical costs (current and future) for a client that is injured
2. Loss of income when the client is off work
3. Loss of a client's earning capacity when the client is off work
4. Additional compensation if the damage to the client is permanent/long-lasting
5. Mental trauma, pain and suffering of the client from the injury.

What limits are available with upcover?

You can get covered today with tailored personal training insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

Does the personal trainer insurance extend to classes I hold at a gym, beach or park?

We understand a change of scene could help you and your clients get more out of your gym training. upcover can protect you at multiple locations in addition to the business address that is listed on your business location.
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These additional locations could be:
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1) Council park
2) Beach or foreshore
3) Client home or gym
4) Retirement community gyms
5) Schools, colleges and universities
6) Fitness centres/facilities
7) Boutique fitness centres
8) Corporate fitness centres (when training the company's employees)
9) Pay-a-fee studios (rent space for either a flat fee or for a portion of what you charge your clients) when you're working as an independent fitness contractor.
10) Hotel fitness centres

Does the personal trainer insurance cover at home, online and bootcamps that I hold in addition to my regular work as a trainer?

Yes, as long as you add these additional locations to your insurance policy.

1) Outdoor bootcamps
2) Online workout
3) Own home based gym
4) Home garage workout (during COVID-19 lockdown)
5) Client's home
6) Gyms and fitness facilities
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”). upcover markets insurance products and services on behalf of Armada. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance offered on upcover.com is underwritten by Professional Risk Underwriting Pty Ltd ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”). Armada, ProRisk and upcover and their employees act as agents of Swiss Re, not as your agent. Neither ProRisk, Armada or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2024 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078