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Standard cover*
✔ $10 million Public Liability cover
✔ $10 million Product Liability cover
✔ $10 million Professional Indemnity cover
✔ Coverage Australia wide
✔ Tailored cover for the fitness industry
Plus cover*
✔ $20 million Public Liability cover
✔ $20 million Product Liability cover
✔ $10 million Professional Indemnity cover
✔ Coverage Australia wide
✔ Tailored cover for the fitness industry
*Subject to the terms, conditions and exclusions of the policy
What Insurance do I need as a Personal Trainer?
Whether you work on a full-time or casual basis, in a gym or local park, with one client or with groups, all trainers run the risk of an accident occurring regardless of experience, location or specialised skillset. Having in place appropriate public liability, professional indemnity and gym insurance can help minimise the risk of a negative financial impact on your business if a claim against you ever arose.
Additionally, it is common for third parties such as gyms and local councils to seek proof of public liability insurance cover before providing a personal trainer with access to their property or community park.
Nearly two-thirds of Australians exercise at least 100 minutes per fortnight1 and with the fitness professional industry expected to grow by 21,000 jobs in the next few years2 , the industry is certainly growing. However, it also means that the risk of claims made against personal trainers may increase.
Obtaining adequate public liability and professional indemnity insurance can help protect you and help provide peace of mind as you focus on helping your clients achieve their fitness goals.
1 Source: https://www.ibisworld.com/au/industry/personal-trainers/4195/
2 Source: https://fiteducation.edu.au/personal-training-employment-statistics/
What Insurance do Personal Trainers and Fitness Instructors need?
Public Liability Insurance
Whether you’ve had two months of experience as a personal trainer or been in the industry for years, accidents can happen to anyone of us. That’s why having contingency plans in place, such as public liability cover is so important.
Public Liability Insurance can help protect you as a personal trainer against financial losses if a third party claims that they’ve sustained an injury or their property has been damaged due to your negligent business activities. Even when you are not at fault, you may still incur significant legal costs when defending such claims. As a self-employed professional, such liability risks may also put your personal assets and finances at stake.
Take for instance, a personal trainer left their weights out on the gym floor, and a fellow gym-goer tripped over them, injuring their ankle. As a result, the trainer may be liable for the associated injury expenses.
Small business owners, including specialised fitness professionals, owe a “duty of care” to their clients to ensure reasonable steps are put in place for their safety and, additionally, for the safety of other third parties. As negligence lawsuits can be unpredictable and very costly, public liability insurance is highly recommended to help cover the cost of compensation for third-party injury or property damage and legal fees incurred in defending the claim.
Professional Indemnity Insurance
As a personal trainer, providing advice to your clients is a key core component of your everyday job. However, providing advice can also open your business up to the risk of negligence lawsuits or claims.
Professional Indemnity Insurance can help cover personal trainers and their business if a client suffers an injury or financial loss as a result of the trainer’s advice or service. Without Professional Indemnity Insurance, a personal trainer could be liable for the associated claim legal fees and compensation payments.
As a fitness professional, there are several situations that might put you at risk of a professional indemnity claim, such as:
- Failing to take a client’s medical history or conduct a sound health assessment
- Inadequate supervision during a client session
- Failing to take adequate measures to prevent injury
- Pushing clients beyond their capacity
- Failing to warn clients of the potential dangers of certain exercises
Why do I need Insurance as a Personal Trainer?
Small business owners, including specialised fitness professionals, owe a “duty of care” to their clients to ensure reasonable steps are put in place for their safety and, additionally, for the safety of other third parties. As negligence lawsuits can be unpredictable and very costly, public liability insurance can be a solution to help cover the cost of compensation for third-party injury or property damage and legal fees incurred in defending the claim.
As a fitness professional, there are several situations that might put you at risk of a professional indemnity claim, such as:
- Failing to take a client’s medical history or conduct a sound health assessment
- Inadequate supervision during a client session
- Failing to take adequate measures to prevent injury
- Pushing clients beyond their capacity
- Failing to warn clients of the potential dangers of certain exercises
Personal trainer insurance and fitness instructor insurance can help give you peace of mind so you can focus on what matters most. Your clients.
How much does Personal Trainer Insurance and Fitness Instructor Insurance cost?
The cost varies depending on the level of cover you require and the type of risk to be insured. For a summary of some overall inclusions, please view the standard and plus cover for existing inclusions, additional additional activities you would like to include may attract additonal premium. You may request a quote to find out more.
What is Covered by Marsh Personal Trainer Insurance and Fitness Instructor Insurance?
Marsh have conveniently simplified the coverage options to help choose the package that’s right for you. After a bespoke insurance solution? Contact us directly.
Marsh can arrange studio or gym insurance
Marsh also offers studio and gym insurance to help cover your property from damage and theft risks. Give our team a call on 1300 130 373 or complete our online contact form, and one of our dedicated brokers will reach out to arrange a tailored insurance quote for your gym or studio.
Why Choose Marsh for Personal Trainers and Fitness Instructors Insurance
Already trusted by 4000+ Fitness professionals
With over 10 years’ experience supporting the fitness industry, Marsh can arrange insurance to suit the risk needs of the fitness industry.
No association membership requirements
Not a member of a fitness association? You are not required to be a member of a fitness association to arrange insurance through Marsh.
Cover to suit a diverse range of fitness specialities
From Tai Chi to Bootcamps, we arrange business insurance solutions that cover a variety of fitness professions. Check out the complete list below.
Fitness Professions and Specialities we support
Kanga Trainers
Learn MoreZumba Instructors
Learn MoreLes Mills
CrossFit
Pre & Post Natal Classes
Mums & Bubs Classes
Policy wording and important information
The information provided on this page is a summary only, please read the policy wording and important notices.
- Policy wording- Individual Fitness Professionals
- Financial Services Guide
- Duty of Disclosure (page 23 of the Financial Services Guide)
FAQs
Do I need to be a member of a fitness association to take out insurance arranged by Marsh?
No, Marsh is happy to advise that fitness professionals do not need to be a member of an industry association in order to take out insurance arranged by us, however, certain minimum qualifications apply .
Where does this policy cover me to train clients?
A fitness professional insurance policy arranged by Marsh can cover you Australia wide.
Fitness professionals can also train at a variety of venues as part of their insurance policy arranged by Marsh, including indoor gyms, outdoor at parks or hired community halls or at a client’s home.
If you are still unsure, you can contact our team on 1300 130 373, who can help answer any questions you may have about available insurance cover.
What qualifications are required before I can take out insurance cover online arranged by Marsh?
Fitness professionals must hold a minimum of a Certificate 3 or 4 in fitness from an Australian registered training organisation before taking out their insurance cover arranged by Marsh.
Fitness professionals must also have an available copy of their business risk management procedures for:
- First Aid
- Blood spillage and Iinfectious disease
- Inspection of equipment and safety
- Emergency procedures in the event of serious injury
- Training with pregnant clients
How can I get Liability Insurance for personal training?
Insurance for Fitness Instructors and Personal Trainers doesn’t have to be complicated. With our easy to use online tool, you can get a quote and arrange insurance within minutes.
How much Public Liability do I need as a personal trainer?
This depends on your personal situation. Cover can be available up to $10million and $20million. We recommend you contact a Marsh Broker for further recommendations to suit your business needs.
“This policy is underwritten by XL Insurance Company SE, Australia branch (ABN 36 083 570 441). Marsh Advantage Insurance acts under a binding authority on behalf of XL Insurance Company SE, Australia branch and not on your behalf. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors.”