A personal trainer guides a client on a treadmill in a gym, both focused and mid-session in a modern, energetic environment.A personal trainer guides a client on a treadmill in a gym, both focused and mid-session in a modern, energetic environment.A personal trainer guides a client on a treadmill in a gym, both focused and mid-session in a modern, energetic environment.

Personal Trainers’ 
insurance

We help safeguard your livelihood.

  • Fast claims payments
  • No hidden fees
  • Prices from £6.07 a month*
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What is Personal trainers' insurance?

Whether you're coaching clients to crush their goals or keeping sessions running smoothly, our Personal Trainers' insurance works as hard as you do. 



At Admiral Business, we protect you from risks like equipment damage, on-site injuries, or liability claims.



Using our wealth of experience, we’ve created cover that’s easy to tailor to your needs and safeguards your business against unforeseen costly setbacks.

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Public Liability
Insurance

Protects against claims from third parties for injury or property damage

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Professional Indemnity Insurance

Protects against claims of negligence, mistakes, or bad advice in your work.

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Tools & Materials Insurance

Cover the cost of replacing or repairing tools if they’re lost, stolen, or damaged.

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Icon of a document with award stars over it.
Public Liability
Insurance

Protects against claims from third parties for injury or property damage

Get a quote
Icon of a shield
Professional Indemnity Insurance

Protects against claims of negligence, mistakes, or bad advice in your work.

Get a quote
Icon of a toolbox with a wrench, hammer, and screwdriver.
Tools & Materials Insurance

Cover the cost of replacing or repairing tools if they’re lost, stolen, or damaged.

Get a quote
View all our insurance
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Get a competitive quote in less time than it takes to make a brew, seriously it’s that quick!

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Why Do Personal Trainers Need Insurance?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Staying Covered While You Help Clients Stay Fit
As a personal trainer, you work closely with clients — whether in gyms, parks, studios, or their homes. But no matter how careful you are, accidents can happen. Without insurance, personal trainers risk:

  • Injury claims if a client is hurt during a workout or training session.
  • Damage to property during mobile or home visits.

  • Theft or loss of fitness equipment and tools you rely on.

Protecting Your Business and Your Reputation
Just one unexpected incident could lead to a costly claim — or even the loss of your ability to work. Personal trainers insurance helps cover legal costs, compensation, and equipment replacement, so you can keep your focus on your clients’ progress, not legal problems.

How Much Does Personal Trainers’ Insurance Cost?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Personal trainers insurance starts at just £6.07* per month, with pricing based on:

  • Whether you train clients in a gym, at home, or outdoors.
  • Whether you’re self-employed, mobile, or run a team of trainers.

  • The equipment you use and your claims history.

Your policy can include public liability, tools & materials, legal expenses, and employers’ liability cover if you hire staff — giving you the freedom to train clients safely and confidently.

Get a Quote in Minutes

It’s fast, simple, and tailored to your fitness business. Get your quote online in minutes — no sweat, no stress.

What are the Legal Requirements for Personal Trainers?

Almost every business should consider public liability insurance. Whether you’re a contractor working on third-party properties or a small business owner dealing with customers, it protects against unexpected claims.
Some key sectors that benefit from public liability insurance include:


  • Tradespeople
  • Freelancers
  • Consultants
  • Couriers

Without liability insurance, even minor incidents, like damaging a client’s property, could lead to costly claims and legal fees, putting your business at financial risk. Protect your livelihood and reputation with the right coverage for your needs.

Employers’ Liability Insurance – A Legal Requirement if You Have Staff
If you employ anyone — such as assistant trainers or admin support — you’re legally required to have employers’ liability insurance. It protects your business if an employee is injured or becomes ill as a result of their work.

Public Liability – Crucial for Client Work
If you train clients face-to-face, public liability insurance is essential. It protects you if a client is accidentally injured or their property is damaged during a session. Many gyms and venues require it before letting you train on-site.

Do Freelance or Mobile PTs Need Insurance?
Yes — even if you work alone. If you visit clients’ homes, run bootcamps, or work outdoors, public liability and tools cover help protect you against accidents, injuries, and equipment damage or theft.

A personal trainer encourages a client during a workout session, both smiling and relaxed in a modern gym environment.A personal trainer encourages a client during a workout session, both smiling and relaxed in a modern gym environment.A personal trainer encourages a client during a workout session, both smiling and relaxed in a modern gym environment.

Insurance built around the needs of the UK’s small businesses

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Fast claims processing

If you need to make a claim, we've made it quick and easy, so you can get straight back to work knowing everything’s being taken care of.

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Top-rated Customer Service team

Our friendly South Wales-based team is here to assist you every step of the way. Give us a call to speak directly with our specialists, who are ready to provide the support you need.

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Everything in one place

Our easy-to-use online portal allows you to access your policy documents, manage payments, and make changes, all in one place and at your convenience.

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Zero hidden fees

Update your policy at any time with complete flexibility, and enjoy the peace of mind that comes with no penalty fees, no admin charges, and no hidden costs.

Personal Trainers' insurance FAQs

*£6.07 is the price for a Public Liability policy for a single personal trainer with £1,000,000 worth of cover. It is the equivalent of £72.80 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 28th April 2025.