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Personal trainer insurance

Want fitness insurance that doesn't weigh you down? Let Marsh arrange cover to help fit your needs.

Cover we can arrange

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Standard cover

In the event of a claim, standard cover can help you minimise the risk of negative financial impact on your business.

  • $10 million public liability cover

    The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.

  • $10 million product liability cover

    The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.

  • $10 million professional indemnity cover

    The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.

  • Coverage Australia-wide

    Excludes overseas activities outside of Australia and New Zealand.

  • Tailored insurance solution for the fitness industry

    Certain minimum qualifications apply.

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Plus cover

A higher public liability limit can further minimise the risk of a negative financial impact in the event of a claim.

  • $20 million public liability cover

    The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.

  • $20 million product liability cover

    The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.

  • $10 million professional indemnity cover

    The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.

  • Coverage Australia-wide

    Excludes overseas activities outside of Australia and New Zealand.

  • Tailored insurance solution for the fitness industry

    Certain minimum qualifications apply.

Why do I need to consider insurance as a personal trainer?

Whether you’re online or in the gym, fitness professionals have a duty of care to their clients – and any third parties. Reasonable steps need to be put in place for their safety and wellbeing. But even when these measures are taken, claims of negligence can still happen.

Having insurance that covers your unique risks can help provide security for your business – and peace of mind for you.

Get a quote and buy online in 3 steps

1

Tell us about your business

Answer our easy-to-follow questions to give us a glimpse into your business’s risks – so we can meet your unique cover needs.

2

Choose your level of cover

Explore the cover options available to you, then simply choose the cover limits and price that suit you and your business needs.

3

Buy online

When you have been presented with your indication of price, simply click ‘Buy Now’ to purchase cover online using your credit card. 

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Trusted in the industry

With more than 4,000 fitness professionals already trusting Marsh to arrange their insurance, we understand your unique risk needs.

No lock-in membership

Not a member of any relevant association? That’s ok. Marsh is happy to arrange your insurance with no affiliation requirements.

Diverse cover options

From Tai Chi to CrossFit, we arrange business insurance solutions that cover a variety of fitness professionals.

Frequently asked questions

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.

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).

Common exclusions include claims arising from: 

  • Activities outside of the scope of your practice, or working with minors (unless specifically agreed)
  • False advertising or mistakes made in advertising
  • Use of aircraft, hovercraft, watercraft or related products
  • Hazards such as asbestos or radioactive materials
  • Use of metabolic drugs or slimming products
  • Damage caused by defective workmanship or products
  • Injury or damage caused by pollution associated with your business activity
  • Business vehicles
  • Illegal activity or negligence, abuse
  • Injury to yourself or your employees 
  • COVID-19
  • Cyber-related incidents.

Some activities are also excluded from this policy. These include 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, hiking and trekking, and anything involving cargo nets.

For the full list of exclusions, download the policy document at the bottom of this page or speak with your broker.

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.

LCPA 23/409

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.

This is a general overview of the policy. Please call us and ask for a copy of the insurer’s policy wording. We recommend you read the policy wording, so you have an understanding of the policy terms, conditions and exclusions before you decide whether this policy suits your needs.

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. 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. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.