Personal Trainer & Gym Insurance

Personal trainer and gym insurance policies tailored to include public liability, equipment, and additional cover.

Personal Trainer & Gym Insurance

Personal trainer and gym insurance policies tailored to include public liability, equipment, and additional cover.

What Is PT or Gym Insurance?

Personal trainer insurance is specialist cover for all types of health and fitness professionals. Our expert brokers can tailor your policy to your specialty and will cover you for liability claims, damage, loss on sports equipment you own or will cover you should you need to stop working, for example, if you had an injury.  

Gym Insurance is essential in protecting your business against building or contents and equipment damage, employers' liability and, of course, any accidents which may happen while your clients are working out. 

Your fitness profession provides a unique blend of risks from public liability covering your legal liability for injury or damage to property from customers or other members of the public, employers liability for staff or fitness trainers, as well as other covers options such as fitness equipment and other contents.

Do I Need Business Insurance for my Gym?

The only compulsory area of cover required when operating a fitness centre is liability cover in respect of injury to any employees. If you have any full or part time staff you are legally required to purchase a minimum of £5m Employers Liability Insurance or you could face a fine of up to £2,500 per day. 

Whilst you are not obliged to purchase other cover, failure to protect against risks such as public liability and fire or flood damage to contents and equipment can leave you and your business severely exposed.

Compare gym and Personal Trainer Quotes

Health and fitness centres come in all shapes and sizes from exercise classes to more traditional free weight facilities, which is why our gym insurance policies can be tailored to your specific individual requirements. 

Your dedicated insurance advisor will help you assess your individual risks and build a policy which meets your needs and your budget.

Need specialist Gym & Personal Trainer Insurance advice?

Speak to one of our Gym insurance experts at a time that suits you...

or call us directly on

01200 309 516


  • Specialist cover for all types of health and fitness businesses

  • Gymnasiums, Health and Fitness Centres, 1-to-1 Training, Exercise Classes

  • Public Liability including cover for personal training

  • Products Liability for sale of equipment and supplements

  • Employers Liability for staff and trainers

  • Business contents, stock and fitness equipment

  • Computer, tablet and television cover

  • Business Interruption (loss of profit) cover

  • Money, Legal Expenses and Personal Accident options

Why Insync for Gym

  • Dedicated Gym & Fitness Centre Experts

  • Instant quotations - cover and policy documents in minutes

  • Flexible cover & monthly payments – just pay for the sections you need

  • Personal – Digital servicing AND your own dedicated insurance professional

Gym Claims Example

A stand housing a range of dumbbells collapsed onto a gym member’s foot breaking several bones. The gym owner received a compensation claim including significant loss of earnings as the claimant, a self employed HGB driver, was unable to work for 6-weeks.

How Much Is Insurance for a Gym?

The cost of business cover for a gymnasium or fitness centre is driven by the type of activities being undertaken, the number of members, trainers and staff as well as the business location (post-code), value of contents and/or fitness equipment and level of additional cover required. 

Package premiums can start from as little as £250 (plus insurance premium tax) for small single location centres.

How Much Public Liability Cover Do I Need For a Gym?

Whilst Public Liability Insurance limits start from £1m, it is generally recommended that the minimum limit required for a gym would be £2m.

Obviously each business is different and you should consider the size and scale of the gymnasium as well as the number of members and their general demographic. For example, if you specialise in 1-to-1 training for sports professionals or movie stars your risk is significantly higher!

What to do now...

Insync Insurance Solutions Ltd
9 Albany Park, Cabot Lane
Poole, Dorset BH17 7BX

t. 01200 309516
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