Personal trainers work up close with clients—whether you're guiding a lift, running outdoor sessions, or offering training advice. Accidents can happen. A slip during a session, a strain from a workout, or a claim based on your guidance could all put you at risk.
STRYDE gives you the confidence to focus on your clients and your business, knowing you’re protected—whether you train in gyms, parks, homes, or online.
Train WITH CoNFIDENCE
Smart insurance for personal trainers.
Tailor made insurance built for personal trainers — train with confidence from as little as £4.06 per month*.
FLEXIBLE COver which moves with you
With STRYDE, you’re covered wherever you train — gyms, parks, client homes, or your own living room. Whether it’s in-person or online, your insurance flexes with your work.
No need to second-guess your cover. STRYDE moves with your business, so you can focus on your clients, not the paperwork. Freedom, backed by protection 💪
Backed by ADMIRAL.
Powered by Admiral Insurance — trusted by over 11 million customers in the UK. We’ve got your back.
Pay Your Way Plan
Pay upfront for peace of mind, or go monthly for more flexibility — your cover, your call.
PROTECTS YOUR HARD EARNED WORK.
Running your own business is no easy ride — and one accident could land you with a costly legal bill. Our Personal Trainer insurance has your back.
STRYDE covers physical mishaps like slips or damaged kit during sessions, and even protects you if a client gets injured following your advice or training plan.
Tailored cover
Find Your Fit. Train Fully Covered.
STRYDE shapes cover around how you train—from where you work to the qualifications you have. It’s not one-size-fits-all, it’s built to fit your business.
STARTING OUT
COVER FROM
COVER FROM
£5.69pm
See Sian’s cover
- SIAN'S BIO1 year OF EXPERIENCEGYM INSTRUCTORVIRTUAL & GYM SESSIONS
- Public liability£1 Million COVER
Essential protection while you're building confidence and training in lower-risk environments like commercial gyms.
GROWING BUSINESS
COVER FROM
COVER FROM
£12.64pm
See Alex cover
- alex'S BIO3 years of experiencepersonal trainerVIRTUAL & GYM SESSIONS
- Public liability£2 Million COVER
As you grow and take on more clients in varied settings, higher cover helps protect you from bigger risks.
- PROFESSIONAL INDEMNITY£100,000 of cover
Covers advice you give, such as personalised workouts or plans, in case a client gets injured following it.
ESTABLISHED BUSINESS
COVER FROM
COVER FROM
£26.26pm
See Jess cover
- JESS's BIO6 years of experienceELITE personal trainerHOME STUDIO & GYM SESSIONS
- Public liability£5 Million COVER
Public liability covers you if someone gets hurt or something gets damaged during a session.
- PROFESSIONAL INDEMNITY£250,000 of cover
Covers you if someone gets hurt following a training or nutrition plan you provided.
- KIT COVER£1,000 of cover
Cover for your essential kit whether thats in your home gym or kit you use on the road.
Built for you
Insurance that covers the things you need as a personal trainer
Included as standard
Covers injuries to clients while training
£1 Million to £10 Million Public Liability cover available
Included as standard
Simple, easy claims - No Fuss
Our support team guides you through every step of the claims process.
Included as standard
virtual sessions Included as standard
Pre-recorded sessions covered
Included as standard
Lets you train anywhere from gym to park
Flexibility to work where you and your client want to train
Optional extra
Covers training & nutrition plans
£100,000 to £1 Million of Professional Indemnity cover available
FAQ
Answers to common questions
Do I need insurance as a personal trainer?
What kind of insurance cover do I need?
Public Liability is there if a client trips over your kit, or something gets damaged during a session. Professional Indemnity comes in if a client claims your advice (say, recommending an exercise or following a training programme) caused them harm.
The level of cover you choose will depend on how you work—your pace, setup, and where you train.
The level of cover you choose will depend on how you work—your pace, setup, and where you train.
What insurance cover do I need when coaching online?
That’s where Professional Indemnity steps in. If a client follows your guidance in a virtual session and claims it caused them harm, PI insurance can respond—so long as they’re not located in the US or Canada, and the claim relates to negligence or advice you gave.
Do I need insurance if I provide nutrition plans?
Whether it’s meal prep tips or full-on macros, giving nutrition advice means you’re offering professional guidance.
If someone follows it and ends up unwell, you could be liable.Professional Indemnity insurance helps protect you from those risks.
If someone follows it and ends up unwell, you could be liable.Professional Indemnity insurance helps protect you from those risks.
What's the difference between Public Liability and Professional Indemnity insurance?
Public Liability: Covers physical incidents—like slips or damaged property during your sessions.
Professional Indemnity: Covers advice—if a client follows your program or nutrition advice and something goes wrong.
They protect different parts of what you do. Many PTs opt for both for peace of mind.
Professional Indemnity: Covers advice—if a client follows your program or nutrition advice and something goes wrong.
They protect different parts of what you do. Many PTs opt for both for peace of mind.
* £4.06 is the price for a Public Liability policy for a single personal trainer with £1,000,000 worth of cover, who has over five years experience and a level 3 personal trainer qualification teaching in a gym. It is the equivalent of £48.68 per year when paying for the policy in one annual payment. Your quote will be personalised to your requirements and will reflect the risks you need to be covered against. The price is correct as of 15th June 2025.
Copyright © 2025 Admiral Business
Admiral Business is a trading name of Able Insurance Services Limited (Reg no 02890075) and is located at Ty Admiral, David Street, Cardiff, United Kingdom, CF10 2EH. Able Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA registration Number 311649).
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