Get quotes for public liability, professional indemnity, tools and employers' liability insurance for UK personal trainers — quotes are provided directly by FCA-authorised insurers, not by us.
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Every trade faces unique risks. Here's what could go wrong and why the right cover matters.
Personal training has no statutory licence, but gyms and insurers both lean heavily on qualification, registration and screening as the practical standard — and claims often turn on whether these were properly followed.
A Physical Activity Readiness Questionnaire, completed before training begins, is the standard way to flag pre-existing conditions that should change how a session is run. Insurers may ask whether this was completed and documented when assessing an injury claim.
A Level 3 Personal Training qualification from an Ofqual-recognised body is the accepted UK minimum, and CIMSPA or REPs registration is what most gyms and insurers treat as the practical professional standard — even though neither is a statutory licence.
A training programme or exercise prescription that's later blamed for an injury falls under professional indemnity, distinct from a slip, trip or equipment-related public liability claim. Both matter for a PT working one-to-one with clients.
Coaching under-18s or vulnerable adults requires a DBS check, and insurers commonly expect this to be current and documented before extending cover to that part of your work.
A strong policy covers the specific risks of your trade — from site accidents to equipment theft and client disputes.
Covers claims from clients who suffer injury, adverse reaction or harm as a result of a treatment you provide. The most critical cover for any health or therapy business.
Covers injury or property damage to clients at your premises or at their location. Required by most gyms, studios and venues you hire.
Covers claims of negligence, wrong advice or errors in your professional capacity — including claims that a programme, plan or recommendation caused harm.
Required by law if you have employees or employ other therapists. Minimum £5 million cover by law.
Covers data breaches and loss of sensitive client health data. Increasingly important for practices holding medical and personal information.
Covers specialist treatment equipment, therapy tools and professional apparatus against theft and accidental damage.
A few things worth checking before you buy, whichever UK insurer or broker you compare.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can compare real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when comparisons go live.
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