Insurance solutions for fitness professionals

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 policies depending on your budget and level of cover.

Additional activities are subject to approval and may incur an additional premium. They include:

• Internet operations 

• Training children under 16 years 

• Climbing ropes 

• Kanga training 

• Kanga trail extension 

• Kanga wheel extension 

• Kanga mix extension 

• Pre Kanga  

• Kanga burn 

• Kanga training kids 

• Kanga training kids – TINIES (18 months–3 years) 

• Kanga training kids – MIDIS (3–5 years)  

• Kanga training kids – Juniors (5–7 years).

Common exclusions include claims arising from: 

• Activities outside of the scope of your practice, or working with minors (unless specifically agreed)
• False advertising or mistakes made in advertising
• Use of aircraft, hovercraft, watercraft or related products
• Hazards such as asbestos or radioactive materials
• Use of metabolic drugs or slimming products
• Damage caused by defective workmanship or products
• Injury or damage caused by pollution associated with your business activity
• Business vehicles
• Illegal activity or negligence, abuse
• Injury to yourself or your employees 
• COVID-19
• Cyber-related incidents.

Some activities are also excluded from this policy. These include 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, hiking and trekking, and anything involving cargo nets.

For the full list of exclusions, download the policy document at the bottom of this page or speak with your broker.

Minimum of a certificate 3 or 4 in fitness from:

• an Australian registered training organisation 

• New Zealand training body 

• South African training body 

• British/Irish training body.

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.

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.

We highly recommend you consider insurance for personal trainers (or PT insurance). Personal trainers should consider insurance to protect themselves and their clients. While not required legally to operate your PT business, you may be required to show evidence that you are insured as part of your contract with clients or business partners (e.g. to operate out of a premises).

Given the risk of personal injury is high in personal training, insurance should be considered to help protect your business, livelihood, employees (if you have them) and clients.

As a minimum you should consider the following types of cover:

• Public liability: Covers personal trainers if a client is injured or suffers property damage as a result of your actions. It can also cover legal fees if you are sued by a client.
• Product liability: Covers personal trainers if a client is injured or suffers damage due to a product you sell or provide (supplements or fitness equipment).
• Professional indemnity: Covers personal trainers if a client claims that they were harmed as a result of advice or guidance you gave them.

However, you may need other types of cover depending on your circumstances, for example, if you rent or own a commercial space or studio to run your business, or you have a separate business vehicle. It’s a good idea to talk to a broker who can help you work out what insurance you need.

Most gyms need public liability and professional indemnity insurance, plus optional property and contents cover.

Different factors may influence the cost of insurance, such as:

• The services you provide
• The size of your company
• Your annual revenue.

When requesting a quote, you should ensure the declared value of your business is accurate so you get the correct premium and cover for your business.

It’s not mandatory by law, but most landlords and councils make it a condition of operation.

Owners of gyms and fitness studios should have public liability insurance to operate. But it’s best practice to also have professional indemnity insurance.

Marsh can arrange $10 million or $20 million public liability and $10 million professional indemnity cover.

Yes, many policies can extend to group exercise classes.

Yes, if you include property and equipment cover in your policy.

Yes, multi-location gyms can often be covered under one policy.

Contact your Marsh broker. They’ll help manage and negotiate your claim with the insurer.

Yes, if your policy includes public liability and professional indemnity and your member alleges your negligence or wrongful advice caused their injury.