Insurance for Personal Trainers
Prepare for the unexpected with business insurance. Find cover for personal trainers, fitness professionals and more!
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From multiple insurers
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Buy online in minutes
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Instant Cover
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On this page:
What is personal trainers insurance?
Business insurance helps personal trainers and fitness professionals like you protect their growing businesses. Depending on the cover you choose, it could help you manage costs like injuries, property damage, and legal expenses.
Client injuries, poor advice, stolen equipment—the potential troubles for personal trainers never end.
Situations like these (and plenty of others) could create unplanned expenses for your business. If the thought of paying them out of pocket raises your heartrate, it may be time to consider business insurance.
Why might personal trainers need insurance?
Business insurance isn’t mandatory in NZ for most businesses, but you may be required to have a policy to do things like:
Hold classes on council land.
Work as a gym contractor or sub-contractor.
Pay legal costs if you face a liability claim.
Types of personal trainers we cover
Each and every business is different, and that’s why BizCover offers business insurance options to cater to your individual needs.
We cover a broad range of personal trainers occupations, including:
Personal Trainers
Fitness Instructors
Yoga Teachers
Pilates Instructors
Gym Owners
Exercise Physiologist
Can’t see your occupation listed above?
It doesn’t mean we don’t cover it. Start with a quote to find your occupation, compare cover options and buy online in minutes.
Types of cover we offer personal trainers
BizCover has insurance options for personal trainers, fitness professionals and many more.
Tailor your quote to your business, compare cover, and buy online in minutes.
Unsure what types of business insurance to get? We’ve got you! Here’s what other personal trainers tend to choose:
Popular cover types for personal trainers:
Personal trainers could also consider:
Other Covers
Portable Equipment Insurance
Portable Equipment insurance
Covers costs of repairing or replacing your portable tools, equipment, and stock against:
- Theft
- Fire
- Accidental or malicious damage
Contents (Property) Insurance
Contents (Property) insurance
Covers the money, equipment, stock, and glass you keep in your building against:
- Storm damage
- Fire
- Theft or break-in damage
14000+ NZ
small business covered
How much does a personal trainer’s insurance cost?
Your small business is unique. That means you might face different risks than the personal trainer down the street and may pay a different price for your cover.
With BizCover, insurance can be tailored to fit the size, risks, and needs of your business.
The prices are real, get that new policy feel
Combined Public Liability/ Professional Indemnity
$12/mo*
Expected average cost
Statutory Liability
$83/mo*
Expected average cost
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply. This information is general only and does not take into account your objectives, financial situation or needs. It should not be relied upon as advice. As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording.
Click here to check industry wise average prices
Get cover that works with the risks of your business
Select different cover amounts for each cover listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Combined Public Liability/ Professional Indemnity
$12/mo*
Expected average cost
Statutory Liability
$17/mo*
Expected average cost
Factors influencing cost
Your Industry
Required Coverage
Your Turnover
Number of Emplyees
Claims History
Click here to check industry wise average prices
Get cover that works with the risks of your business
You can select from 5 different levels of cover.
This is the most you will be paid out if you need to make a claim. Choosing different cover levels may impact the cost of your policy.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today.
Select Profession
Pick Your Covers
Add Business Details
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Get Covered Online
Search your
Occupation
Choose your
Cover(s)
Enter Business
Details
Compare
Quotes
Get Covered
Today
How it works – making a claim
We’ll assist you through the claims process & manage your claim directly with the insurer.
Let us know Fill out our claims form and provide info to support the claim
Receive extra support We will assist you with your claim
Claim results We will notify you of the claim outcome.
Let us know Fill out our claims form and provide info to spport the claim
Receive extra support We will assist you with your claim
Claims results We will notify you of the claim outcome
Our Insurers
We work with a selected group of trusted NZ insurers to offer you great cover.
The savings are real
See how much others have saved while purchasing policy through Bizcover
Martin
Gardener from
Christchurch
Saved
$2,000
on
Public Liability, Statutory Liability
& Employers Liability
Vicki
Management Consultant
from Napier
Saved
$1,500
on
Professional Indemnity &
Public Liability
Ian
Plumber from
Picton
Saved
$600
on
Public Liability&
Statutory Liability
Yvonne
Councellor from
Rotorua
Saved
$100
on
Public Liability &
Professional Indemnity
^ Savings made from January 2023 to July 2024. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
What sets BizCover apart?
We are not just a comparison and buy site.
Make claims online
We’ll manage the process on your behalf with the insurers.
Flexi Payment Options
Pay monthly or annually, cancel at any time.
One Stop Shop
Manage multiple cover types in one place.
Easy Renewals
Optional automatic renewal to stay protected.
Frequently asked questions
Confused about insuring your personal trainers business? We have answered the most common questions we get here.
If you still have questions, you can reach one of our friendly business insurance experts—go here for our Contact Us details.
These are some of the ways business insurance could help your personal training business stay fighting fit:
- If you are renting space for your personal training business, you may be required to have Public Liability insurance in place as part of your rental agreement.
- When you are providing professional fitness advice to your clients, there is an element of responsibility if that advice were to cause a client to suffer an injury (when not covered by the ACC). Professional Indemnity insurance could help if the client alleges professional negligence and/or seeks compensation.
- Public Liability insurance may be a requirement to work as a contractor within gyms or other fitness facilities. It may also be required to hold sessions in public spaces and on council land.
- If you offer mobile personal training services, you may want to consider protecting your expensive equipment and sporting aids with Portable Equipment cover.
Don’t sweat the small stuff when it comes to making sure you have the right business insurance in place. Let the energetic team at BizCover do the crunches to find competitive quotes and get you covered in no time.
Hear from our customers
Real-life customer reviews verified by Feefo
Efficient
Trusted Customer
Efficient and great price
Quoted and bought insurance online, very quick and a great price.
Definitely worth
Burnett B
BizCover is definitely worth their word. Quick easy understandable cover
Straight forward
Trusted Customer
It is very straight forward and easy to understand and you can choose whatever you need for your business.
Easy to choose
Pavan K
Easy to choose business insurance. The search and the options provided were very simple and straight forward, didn’t expect it to be that easy.
Fast, friendly and efficient
Kylie T
The customer service agent was excellent. He explained to me clearly all the questions I had. Can’t be beat on price for the policy I needed and I was contacted within half an hour of my enquiry. Policy was confirmed on the phone. Excellent.
