9 Reasons Why Personal Trainers Need Insurance

Did you know that insurance could be the ‘most important’ investment you could ever make?

As unsexy as it sounds, protecting yourself should be high on your priority list and shouldn’t be treated as an afterthought once you’ve qualified.

Why? Because it gives you more professional credibility. It helps you land more clients.

And it gives you peace of mind that your career is in safe hands should any accidents happen.

Before jumping into the reasons why insurance is critical for any PT, here a little more information on what cover is right for you.

What insurance do you need?

It’s a legal requirement for personal trainers to be insured with two types of coverage, whether you’re employed by a gym, work independently, or run your own business.

Public liability insurance: This type of insurance protects trainers in case a client is injured during a session, or if there is damage to property. It can cover legal expenses and potential settlements.

Professional indemnity insurance: Also known as errors and omissions insurance, this type of coverage protects personal trainers in case a client alleges professional negligence or inadequate advice.

If you’re working in a gym, it’s a good idea to confirm the inclusion of insurance in your contract.

Even if you are covered under their insurance policy, ask about the specific extent of your coverage, because there are other types of cover personal trainers should consider, too. They include:

Personal accident insurance: This type of insurance provides coverage for personal trainers in the event of an accident that results in injury or disability.

Loss of earnings insurance: Also known as income protection insurance, this coverage is designed to provide financial support to personal trainers if they are unable to work due to injury or illness.

Equipment insurance: This type of insurance covers the personal trainer's equipment and tools used in their profession. It can include coverage for damage, theft, or loss of fitness equipment.

Insurance for working with special populations: This insurance provides coverage in case of any injury, harm, or legal claims arising from sessions with special populations with unique health considerations.

Now you understand the different types of cover, here are nine reasons you now’s the time to invest…

1. Professional credibility

Picture this. You're meeting a potential client for the first time. They’re on the fence, apprehensive about starting a personal training program under your supervision. Then they ask about insurance. You’re forced to say you’re not covered. Dropping that bombshell will push potential clients away. When you’re insured, almost instantly you become levels more professional rather than just coming across as another ‘fitness enthusiast’. Insurance is also another pillar of trust which clients are always looking for in their personal trainer.

2. Peace of mind

You could be the best gym-floor personal trainer on the planet, but accidents happen. Life is unpredictable and sometimes there’s little you can do about freak accidents. Your client might trip over a yoga mat for example or injure themselves on the barbell squat because they didn’t tell you about a niggling knee injury they were carrying. Regardless, having insurance means you can breathe easy. It's your safety net, ensuring you can focus on maximising results without constantly worrying about potential legal hiccups.

3. Client retention power

There’s not much complicated behind point number 3. But it’s always important to remember clients like to know they’re in safe hands in case of gym floor accidents. When a client sees that you've got your bases covered with insurance, they're more likely to stick around. It's a clear signal that you take your profession seriously, and your clients are investing in someone who invests in themselves.

4. Business viability

When you're starting out, every pound, dollar, or euro counts. Insurance is an upfront investment that safeguards your financial future. One mishap could drain your savings or even put you out of business. Obviously, that’s the very worst-case scenario. But, just like your car insurance or home insurance, protect yourself, and you’re far more likely to secure the longevity of your business.

5. Legal muscle

As much as we'd like to believe we're invincible, the reality is different. If a client decides to take legal action against you, having insurance is your legal muscle. It's not just about financial protection; it's about having a team of legal professionals in your corner. If you’re honest and transparent with all your clients, and put your expertise to good use, it shouldn’t reach a point where you’re having to defend yourself in such way. Nevertheless, professional insurance protects you if necessary.

6. Opens new career doors

Insurance doesn't just cover accidents; it can also extend to new services you might want to add to your repertoire. Planning to host fitness retreats, workshops, or online training sessions? Having insurance in place opens doors to diversifying your offerings without your stress going through the roof when dealing with your clients hard-earned cash.

7. Boosts professional development

Investing in insurance shows that you're committed to continuous improvement. It's a feather in your cap when it comes to professional development. Clients love knowing that their trainer is up-to-date with industry standards, and insurance is a clear indicator of that commitment.

8. Attracts higher paying clients

Every client wants a trainer that oozes class, professionalism, and stands out as the best at what they do. Especially when they’re investing in their own health. Sure, if you’re insured, it protects you and your business, but it also is a telltale sign of a professional at the top their game, serious about their job. It's a subtle yet powerful ‘marketing’ tool that attracts a higher calibre of clients – the ones who value your expertise and are happy to pay a premium for it.

9. Strengthens your online appeal

Let's face it, we're in the age of branding and marketing. Using your insurance as a unique selling proposition sets you apart from the sea of personal trainers out there. It's not just a piece of paper; it's another layer of class that screams professionalism, trustworthiness, and a commitment to excellence.

While this article outlines just nine reasons why every personal trainer needs insurance, there are a myriad of other benefits. If there’s any lesson to takeaway here, it’s insurance isn't just a checkbox on your to-do list – it's a strategic move that can quickly lift your client uptake.