*The price indicated is for policy premium only and is exclusive of GST, stamp duty, levies, service/broker fees, and credit card surcharge where such additional fees apply. Premium prices may start at this price and are subject to fluctuate depending on the level of risk/cover chosen when applying for cover as determined by the relevant insurer.
Cover we can arrange for personal trainers and fitness professionals
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.
Annual cover starting from $190*
Best for: independent and mobile trainers, minimum qualifications required.
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$10 million or $20 million public and product liability cover
The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.
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$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.
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Coverage Australia-wide
Excludes overseas activities outside of Australia and New Zealand.
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Tailored insurance solution for the fitness industry
Certain minimum qualifications apply.
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Some activities or higher-risk work may increase the premium.
AUSactive Professional Plus membership including insurance cover
AUSactive eligible members with approved qualifications.
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$20 million public and product liability cover
The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.
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$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.
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$100,000 professional sports injury cover
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Coverage Australia-wide
Excludes overseas activities outside of Australia and New Zealand.
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12 or 24 months AUSactive Professional membership
Certain minimum qualifications apply.
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Includes cover for:
Training of pregnant women, training children between 13-18 years old, climbing ropes (up to 12m) and product sales (up to $50,000 per annum).
What fitness activities could be covered?
selected option
- Individual Fitness Professionals
- AUSactive Professional Plus
Discover tailored cover for your profession
Why personal trainers and fitness professionals choose Marsh
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.
- 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 activities
- Hiking and trekking activities
- Activities involving cargo nets.
Minimum of a certificate 3 or 4 in fitness from:
- an Australian registered training organisation.
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.
Articles and resources
Additional cover we can arrange
This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.
Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238 983) (“Marsh”) and Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) (“MAI”) arrange the general insurance (i.e. not the Discretionary Trust Arrangement) and are not the insurer.
Discretionary Trust Arrangements are issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417 964) (“JGS”). Any advice or dealing in relation to a Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by a Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.
For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements (PDSs) available from the relevant product issuer. Target Market Determinations (TMDs) are available here.
Marsh, MAI, JGS and JLT are all businesses of the Marsh group.
LCPA 25/1354
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.