Business Insurance For Fitness and Personal Trainers 

Compare business insurance quotes with Savvy to find the best policy for your personal training business. 

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, updated on July 27th, 2023       

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As a fitness instructor or personal trainer, it’s your job to provide unique exercise and dietary plans that will help your clients reach their weight loss and fitness goals. Because you work so closely with clients in a confidential setting, it’s vital that you’re covered just in case claims are made that could damage your business’ reputation. 

You can compare quotes for many types of business insurance right here with Savvy. Just answer a few simple questions about your business and the type of insurance you need, and within minutes you’ll have multiple quotes from a range of respected insurers to compare. Take advantage of our quick and easy comparison service to make sure you get the best-value insurance for your fitness business today. 

What types of insurance should I buy for my personal fitness training business?

There are several types of business insurance you should seriously consider if you run a personal fitness and training business. These include: 

Professional indemnity insurance 

Professional indemnity insurance covers you against claims that the advice, recommendations or service you provided were either wrong or negligent. This type of insurance can offer you protection against many types of claims, including: 

  1. Allegations your unique exercise routine was not suitable, did not achieve the desired result or was ineffective  
  2. Claims your fitness routine caused personal injury 
  3. Claims your dietary or fitness advice was negligent, misleading or contrary to professional standards in your industry 

Cover starts at $250,000 and goes up to $5 million or more. This is a compulsory type of insurance for entry to many professional associations and to gain certain accreditations. It’s also often a requirement to work at many gyms or to hire personal fitness or training studios for workout sessions. 

What it covers 

  1. Payment of compensation if there’s a successful claim against you 
  2. Payment of court-awarded damages to the litigant 
  3. Cover for your legal defence costs 
  4. Cover for the cost of disciplinary proceedings or investigations 
  5. Cover for bodily harm, injury or illness it is alleged your service to your client may have caused 

Public liability insurance 

Public liability insurance is also essential for anyone who works with the public, including holding fitness or exercise classes outdoors on council land. It will cover you against claims that your fitness business activity caused injury to a member of the public or damaged their property. 

This insurance is available for amounts of up to $5 million, $10 million and $20 million, although $2 million in cover is often the minimum required amount by councils to hold exercise or fitness classes in open public spaces. 

What it covers:  

  1. Third-party personal injury claims 
  2. Damage to a third party’s property 
  3. Legal fees to defend yourself against any personal injury claims 

Contents/portable equipment insurance (with general business insurance) 

Business contents insurance may also be worthwhile if you have expensive fitness equipment to protect. This may either be portable equipment such as kettle balls and barbells, or fixed exercise machines which may be installed in a gym or exercise studio. This type of insurance can also cover any perishable stock you may sell such as vitamins and supplements.  

Commercial vehicles aren’t included in general business insurance, so you may need separate commercial vehicle protection for your work vehicle. 

What it covers:  

  1. Fire, storms, theft and vandalism which cause damage to your business assets 
  2. Cover for electronic equipment such as laptops and EFTPOS terminals as well as your other portable fitness equipment  
  3. Collision or overturning of a vehicle carrying your equipment 

What isn’t covered under business insurance for fitness instructors and personal trainers?  

The most common general exclusions include: 

  • Injury to yourself or your employees 
  • Flood damage 
  • Glass breakage cover (which can be purchased separately) 
  • Unlawful activity or criminal negligence 
  • Reckless behaviour or intentional damage 
  • Anything to do with asbestos-related claims 
  • The effects of pollution caused by your business activity 

How much will my personal fitness trainer business insurance policy cost? 

There is no set cost for an insurance policy, as each applicant is different and faces unique risks. Many factors influence the cost of public liability insurance and general business insurance, including the following: 

  • The state you’re in  
  • Whether you live in a rural or urban area 
  • Whether you’re a sole trader, are in a partnership, or run a business 
  • Your business size and turnover  
  • If you have any employees 
  • Your insurance history 
  • Whether you’ve made an insurance claim in the past five years 

The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another. Therefore, the cost of insurance for one fitness business based in South Australia may be similar to one based in Western Australia. 

You can find out how much insurance will cost for your business by comparing quotes right here with Savvy. Whether you need insurance for a personal training company or a massage or alternative therapy business, you’ll be able to find a policy that is perfect for your business needs right here.  

Why do I need business insurance as a personal or fitness trainer?

Any situation where you are offering a highly personal (and sometimes confidential) service to the public comes with its own risks. A client may be disappointed with their lack of weight loss, for example, and blame their fitness instructor or trainer. There are numerous ways in which personal and fitness trainers can come into the firing line, which is why it’s so important to have good business insurance protection. 

Most small to medium-sized businesses have some contingency funds to fall back on, but rarely have sufficient to cover the cost of a major catastrophe. For example, if someone suffers a serious spinal injury in your fitness studio, the personal injury claim could amount to millions of dollars. If this happens and you have adequate insurance to protect you and your business, you’ll have a far higher chance of recovering and getting back on your feet quickly. 

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Further questions about business insurance for fitness and personal trainers

Do I still need insurance for providing online personal training?

Yes – it doesn’t matter whether you give fitness and training advice face to face, over Skype or via your YouTube channel, you can still be the subject of claims that the advice you gave was negligent or caused personal injury, which is why you still need professional indemnity insurance as a minimum. 

Does business contents insurance cover fitness training equipment which I store at home?

Yes – if you have business equipment insurance or your home is listed as your business location, your fitness equipment stored at home will be covered by your business insurance policy. However, it is always best to check with your insurance company if you have any doubts about what is and isn’t covered to make sure you have all the necessary cover. 

What information will I need to make a claim?

The information you should have to hand when you contact your insurance company to make a claim will include: 

  • The name of the policyholder 
  • Your policy number and start date (which can be found on your Certificate of Currency) 
  • A detailed description of the incident (such as what happened to cause the damage or loss) 
  • Specific dates and times when the incident happened 
  • Contact details of any other parties involved (or witnesses to the event) 
  • Details of your police report number (if a crime took place) 
  • Details of the property lost or damaged (including its age and value) 
  • Your bank details for settling the claim 
Can I claim the cost of business insurance for my fitness business as a tax deduction? 

Yes – the Australian Taxation Office recognises that having business insurance is a legitimate cost of doing business, so the full cost of your insurance premiums can be claimed as a business expense and offset against your income. 

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