Personal Trainer Insurance Compared
We compared 5 insurance providers for UK personal trainers on price, activity coverage, and suitability for gym-based PTs, mobile trainers, and bootcamp instructors.
Insure4Sport is the best choice for most personal trainers. They cover 400+ sports and activities, include free professional indemnity with public liability, and are rated Excellent on Trustpilot with 3,400+ reviews. For the cheapest cover, Protectivity starts from around 3 pounds per month. For PTs who also offer nutrition or wellbeing services, Balens offers the broadest scope.
| Provider | Best for | PL cover | From | Our rating |
|---|---|---|---|---|
| Insure4Sport Top pick | Most PTs | £1.5m - 10m | ~£5/mo | 4.7 / 5 |
| Protectivity | Budget cover | £1m - 10m | ~£3/mo | 4.4 / 5 |
| Simply Business | Price comparison | £1m - 5m | ~£5/mo | 4.3 / 5 |
| Balens | Multi-discipline PTs | £1m - 6m | ~£8/mo | 4.2 / 5 |
| FitPro | Industry insiders | £1m - 10m | ~£7/mo | 4.0 / 5 |
Prices are indicative and based on a sole trader PT in England with no employees. Your quote will vary by activities offered, cover level, and whether you work in a gym, mobile, or outdoors. All prices exclude Insurance Premium Tax.
What insurance do personal trainers need?
Personal trainers need public liability insurance (covering injury to clients or damage to gym equipment during sessions), professional indemnity (covering claims that your advice or programming caused injury or loss), and ideally equipment cover and personal accident cover. Most gyms and leisure centres require proof of PL and PI before they will let you work on their floor.
Public liability is not a strict legal requirement for sole traders, but in practice it is essential. If you employ other trainers, employers liability is a legal requirement. The Chartered Institute for the Management of Sport and Physical Activity (CIMSPA) recommends all fitness professionals carry appropriate insurance.
Provider-by-provider breakdown
Insure4Sport (part of Ripe Insurance, underwritten by Aviva) is the UK's leading specialist sports and fitness insurance provider. Their PT insurance covers 400+ sports and activities, includes 1.5 million pounds of professional indemnity free with any PL policy, and offers PL cover up to 10 million. They are rated Excellent on Trustpilot with 3,400+ reviews.
They cover live and pre-recorded online sessions for up to 30 participants, equipment up to 2,500 pounds per item, and offer personal accident cover up to 50,000 pounds and loss of earnings for up to 52 weeks. The main limitation is that they do not cover PTs who deliver programming remotely without any live video interaction.
- 400+ sports and activities covered
- Free PI with any PL policy
- Underwritten by Aviva
- Excellent Trustpilot (3,400+ reviews)
- Online and virtual sessions covered
- Remote-only programming not covered
- Equipment per-item limit of 2,500 pounds
- Some high-risk activities excluded
Protectivity offers the cheapest PT insurance we found, starting from around 3 pounds per month. Professional indemnity cover matches your PL level (so if you choose 5 million PL, you get 5 million PI). Equipment cover is available up to 30,000 pounds, which is significantly higher than Insure4Sport's 2,500 per-item limit.
Their Trustpilot rating is 4.8 though from fewer reviews than Insure4Sport. They are a solid budget option for PTs who want straightforward cover without the premium price. The trade-off is that their activity list, while broad, may not cover every niche fitness discipline.
- Cheapest starting price from 3 pounds per month
- PI matches PL level
- Equipment cover up to 30,000 pounds
- 4.8 Trustpilot rating
- Good for mobile and outdoor PTs
- Fewer reviews than Insure4Sport
- Activity list may exclude niche sports
- Less established in fitness market
Simply Business compares quotes from multiple insurers for personal trainers. You can build a policy with PL, PI, employers liability, equipment cover, and personal accident. Prices start from around 5 pounds per month.
The advantage is comparing multiple quotes quickly. The limitation for PTs is that their panel insurers are generalists, not fitness specialists. Activity coverage and online training terms may not be as comprehensive as Insure4Sport or Protectivity. Best for PTs who want a quick price comparison alongside a specialist quote.
- Compare multiple insurers
- Competitive from 5 pounds per month
- Quick 7-minute quote
- Flexible add-ons
- Good for comparison
- Not a fitness specialist
- Activity coverage varies by insurer
- Online training terms less clear
Balens is a family-run insurance broker covering a broad range of health, fitness, and wellbeing professionals. Their PT insurance includes PL, PI, and covers a wide range of complementary disciplines: yoga, Pilates, sports massage, nutrition coaching, and holistic therapies alongside standard personal training.
Balens is the best option for PTs who offer services beyond traditional fitness training. If you combine PT with yoga instruction, sports massage, or nutritional advice, Balens can cover everything under one policy. Their pricing is mid-range and their service is personal and advisor-led.
- Covers PT plus complementary disciplines
- PI included as standard
- Good for yoga, Pilates, massage add-ons
- Family-run with personal service
- Nutrition coaching covered
- Mid-range pricing, not cheapest
- Less well-known than Insure4Sport
- Online quote may need phone follow-up
FitPro is an industry body for fitness professionals that offers insurance as part of its membership packages. PL and PI are included, with cover for a wide range of group and individual fitness activities. Their understanding of the fitness industry means policy wording is relevant and specific.
The trade-off is that insurance is bundled with FitPro membership, so you are paying for additional benefits (CPD resources, industry events, job board) alongside your insurance. If you value those extras, it is good value. If you only need insurance, standalone providers like Insure4Sport may be cheaper.
- Industry body with deep fitness knowledge
- PL and PI included
- Wide activity coverage
- CPD and industry resources included
- Community and networking
- Insurance bundled with membership
- May be pricier for insurance alone
- Less flexible than standalone providers
What to look for
Activity coverage. Check that your policy covers every activity you offer: 1-to-1 PT, group classes, bootcamps, online coaching, and any specialist activities like boxing, yoga, or CrossFit. Some providers exclude certain high-risk activities.
Online and virtual training. If you deliver live Zoom sessions or pre-recorded workouts, check whether your policy covers online instruction. Insure4Sport covers live and pre-recorded sessions for up to 30 participants.
Professional indemnity. This covers claims that your advice or programming caused injury. Some providers include PI free with PL; others charge extra. Insure4Sport includes 1.5 million pounds of PI free with any PL policy.
Loss of earnings. If you are injured and cannot work, loss of earnings cover pays a weekly benefit. This is particularly important for self-employed PTs with no sick pay.
Common questions
How we compared these providers
We researched each provider by reviewing their policy documents, getting test quotes, checking customer reviews on Trustpilot and Feefo, and speaking to business owners who have used these providers. Our ratings reflect a combination of price competitiveness, cover comprehensiveness, claims reputation, and ease of use. We update this page quarterly. FixList may earn a commission if you click through to a provider and purchase a policy. This does not affect our ratings or recommendations.