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Insurance for personal trainers
Insurance for personal trainers and fitness instructors: professional indemnity for your programs and instructions, public liability for sessions in gyms, studios and parks, and cover for your equipment. Tell us you’re a personal trainer and a licensed broker compares quotes for you.
- Personal trainer set as your occupation (ANZSIC 9111)
- PI and public liability in one request
What insurance do personal trainers need?
Most personal trainers need professional indemnity and public liability together. AUSactive requires its registered professionals to hold appropriate PI and public liability covering all their activities. AUSactive also explains that PI can cover you if a client is injured following your instructions, while public liability covers someone hurt or property damaged where you’re at fault.
Where trainers are asked for cover
| Situation | What to check |
|---|---|
| Training in Brisbane parks | Brisbane City Council requires permission for commercial activity in parks, including personal training, and at least $20 million public liability. |
| AUSactive registration | Appropriate PI and public liability covering everything you do, in a professional or voluntary capacity. |
| Working in a gym or studio | The gym’s contractor requirements, including the limit and proof of cover. |
| Other councils | Many councils require a permit for commercial fitness in parks. Check your local council. |
The covers trainers usually hold
| Cover | Why |
|---|---|
| Professional indemnity | A client is injured following your program or instructions. |
| Public liability | A client trips over equipment, or a passer-by is hurt during a park session. |
| Equipment cover | Kettlebells, bags and gear in the car or at the park. |
| Income protection (broker) | For when an injury stops you training clients. |
What PT insurance usually won’t cover
These need other cover, or aren’t insurable:
- Advice outside your scope.Such as diagnosing injuries or prescribing diets beyond your qualifications.
- Your own injury.That’s income protection.
- Running sessions without a required permit.Check your council’s rules first.
How to compare personal trainer insurance
Personal trainer insurance questions
What insurance does a personal trainer need?
Usually professional indemnity and public liability together, plus equipment cover. AUSactive registration requires both PI and public liability.
Do I need $20 million public liability to train in parks?
Brisbane City Council requires at least $20 million for commercial activity in its parks. Other councils set their own rules.
Does PI cover a client injured during training?
AUSactive explains that PI can cover you if a client is injured following your instructions and you’re found at fault.
Do I need insurance if I work for a gym?
If you’re a contractor rather than an employee, the gym may require you to hold your own cover. Check your agreement.
Can personal trainers compare online?
Yes. Personal trainers can request quotes online.
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