Professional Indemnity and Public Liability insurance for Personal Trainers

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Tailored insurance for Personal Trainers

Personal Trainers insurance includes both Professional Indemnity and Public Liability in the one policy.

Why do Personal Trainers need Professional Indemnity insurance?

As a Personal Trainer or Fitness Instructor, you’re all about the fit, healthy life, and this is what you teach your clients. There are risks involved though, a client could twist and break their ankle while you’re instructing them in circuit training, or they could fall backward off a medicine ball and injure their neck. The person could claim that you were at fault and take legal action against your business.

Personal Trainers Indemnity insurance is designed to protect you if something goes wrong while you’re with a client, it includes cover against a wide range of risks like claims of professional negligence.2

Why do Personal Trainers need Public Liability insurance?

You could have a book full of clients or train a select few, either way, you’re running a business, and with that comes risk. If you have clients or the public on your premises while you’re working, and they get hurt, or they damage their property, you could be blamed and held legally liable.

Personal Trainers Liability insurance provides cover for legal liabilities if a member of the public makes a claim that they were injured, or damage was caused to their property because of your business dealings or on your premises.2

Cover benefits for Fitness Instructor insurance

Complimentary Legal Advice
2 hours complimentary legal advice
You could save hundreds of dollars on outside legal costs with 2 hours of complimentary legal advice that’s included in this policy.2
Public and Products Liability cover
$20 million combined Public and Products Liability limit per claim and $60 million in the aggregate.2
Flexible Professional Indemnity cover limits
Choose a level of Professional Indemnity that suits you: $1 million, $2 million, $5 million, $10 million or $20 million.2
Unlimited retroactive date
You may be covered for claims relating to events that happened before you purchased cover, as long as you weren’t aware of a claim or facts or circumstances which could give rise to a claim, before you purchased the policy.2
Subject to eligibility criteria.
No Excess
No excess for certain claims against the Professional Indemnity or Product Liability section.2
Run-off cover
You can be subject to claims for professional wrong-doing even after you retire or sell your business. Run-off cover extends your insurance policy for up to 7 years after your business ceases, to respond to claims which arose while the business was operating.2

Better for Personal Trainers in 3 simple ways

Frequently Asked Questions

What does Personal Trainer insurance cover?
Professional Indemnity covers2:
Claims made against you and notified to the insurer during the period of insurance resulting from certain errors or omissions in the conduct of your professional services.
Legal fees, settlements and court attendance costs associated with any such claim.
Public and Products Liability covers legal liability for2:
Third party injury or property damage arising as a result of your business that occurs on any premises you work from, in most parts of the world.4
The sale or supply of a product that causes bodily injury or property damage.
How much is Personal Trainer insurance?

We arrange insurance designed for Personal Trainers at competitive prices. Our prices start as low as $159.50.5

What level of complimentary legal advice can I receive?

A total of 2 hours of complimentary legal advice is offered when you hold a Professional Indemnity policy arranged through Aon. You can call the Legal Helpline up to a total of 2 hours in each policy year, per policy, for general legal advice relating to your practice. Legal advice relating to your policy is not included.2

The Legal Helpline is entirely confidential, and you'll be supported by a network of lawyers who work independently of Aon. The details discussed with the Legal Helpline are confidential and will not impact the future cost of your insurance premium.

Can I be covered to train professional athletes?

This policy is not intended for the provision of training to professional athletes.

Can I train martial arts / strong man?

The policy only provides cover for personal trainers, gym instructors and personal trainers. Group training is included under this policy. There is no cover for sparring, martial arts or strongman lifting under this policy.

  1. Available to customers who do not currently have a Professional Indemnity or Public Liability policy through Aon. Aon reserves the right to cancel this offer at any time.
  2. Subject to full terms, conditions and limits of the policy. Please review the full policy wording for more information. 
  3. We will process your certificate of currency request instantly but, depending on your internet speed and email server, it could take a few minutes to get to your inbox.  
  4. Cover is not provided in respect of activities in the United States of America or Canada and their territories.
  5. Insured being qualified/registered as required, and when applicable - member of relevant association, also takes into account eligibility/referral/underwriting questions and category of cover selected including professional indemnity limit of liability $1,000,000. Excluding optional extensions. Government charges will differ from state to state and affect the premium payable.

Professional Indemnity, Product Liability and Public Liability Insurance for Personal Trainers & Fitness Instructors is arranged by Aon Risk Services Australia Limited ABN 17 000 434 720 (Aon) on behalf of the underwriter, AAI Limited trading as Vero Insurance (Vero) ABN 48 005297 807 AFSL 230859. If you purchase this insurance, Aon will receive a commission that is a percentage of the premium. Further information can be found in our FSG click here or provided upon request.

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