Personal trainer insurance

Prices for standard cover for the fitness professional insurance policy depend on the liability limit you select.

If you select any additional activities on the application page, your premium may increase. Some activities, such as online operations, will not increase the premium.

You will notice that the premium will update each time an additional activity is chosen. But other activities will have additional premiums applied as per the insurer’s instructions – depending on the activities’ increased risk.

Marsh can help arrange competitively priced policies depending on your budget and level of cover.

Marsh has simplified the coverage options with insurers to help choose the right package for you.

The personal trainer insurance package includes public and products liability and professional indemnity insurance.

Additional activities are subject to approval and may incur an additional premium. They include:

• Internet operations 

• Training children under 16 years 

• Climbing ropes 

• Kanga training 

• Kanga trail extension 

• Kanga wheel extension 

• Kanga mix extension 

• Pre Kanga  

• Kanga burn 

• Kanga training kids 

• Kanga training kids – TINIES (18 months–3 years) 

• Kanga training kids – MIDIS (3–5 years)  

• Kanga training kids – Juniors (5–7 years).

• Home studios 

• Nutrition advice (where a diploma or greater qualification is required) 

• Massage therapy 

• Stand-up paddle boarding 

• Pole climbing 

• Powerlifting 

• Counselling sports coaching (ie netball, cricket, rugby, AFL, soccer) 

• Ninja Warrior 

• Overseas activities 

• Martial arts activities 

• Hiking and trekking activities 

• Activities involving cargo nets.

Minimum of a certificate 3 or 4 in fitness from:

• an Australian registered training organisation 

• New Zealand training body 

• South African training body 

• British/Irish training body.

And must have written risk management procedures for the below:

• First aid 

• Blood spillage and infectious disease 

• Inspection of equipment 

• Emergency procedures in event of serious injury 

• Training pregnant clients.

No.

A fitness professional insurance policy arranged by Marsh can cover you Australia-wide.

Depending on your business, Marsh can arrange cover for a variety of venues – including gyms, parks, hired spaces and your client’s home.

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.

This depends on your personal situation.

Cover can reach up to $20 million.

Marsh can still arrange insurance for the following entities:

• Pty Ltd 

• Training clients physically from own residence 

• Trust/partnership 

• Mobile trainers.

To learn more about your options please contact us.

We highly recommend you consider insurance for personal trainers (or PT insurance). Personal trainers should consider insurance to protect themselves and their clients. While not required legally to operate your PT business, you may be required to show evidence that you are insured as part of your contract with clients or business partners (e.g. to operate out of a premises).

Given the risk of personal injury is high in personal training, insurance should be considered to help protect your business, livelihood, employees (if you have them) and clients.

As a minimum you should consider the following types of cover:

• Public liability: Covers personal trainers if a client is injured or suffers property damage as a result of your actions. It can also cover legal fees if you are sued by a client.
• Product liability: Covers personal trainers if a client is injured or suffers damage due to a product you sell or provide (supplements or fitness equipment).
• Professional indemnity: Covers personal trainers if a client claims that they were harmed as a result of advice or guidance you gave them.

However, you may need other types of cover depending on your circumstances, for example, if you rent or own a commercial space or studio to run your business, or you have a separate business vehicle. It’s a good idea to talk to a broker who can help you work out what insurance you need.