Personal Training Insurance That Actually Protects You

Most personal trainers in Melbourne think their gym’s insurance covers them. Wrong. When something goes wrong, you’re on your own.

Here’s what you need to know about protecting yourself and your clients.

Why Personal Trainers Need Insurance

Professional indemnity. Client gets injured during a session? You’re liable. Even if you did everything right.

Public liability. Training in a park and someone trips over your equipment? That’s on you.

Product liability. Recommend a supplement that causes an allergic reaction? You guessed it – your problem.

What Most Melbourne Personal Trainers Get Wrong

Thinking the gym covers you. Gym insurance protects the gym, not you. Read the fine print.

Assuming home visits are covered. Most policies exclude mobile personal training. Huge gap if you train clients at their homes in South Melbourne.

Underestimating coverage amounts. $1 million sounds like a lot until you’re facing a serious injury claim.

Essential Coverage for Personal Trainers

Professional Indemnity: $2-5 million minimum. Covers claims related to your professional advice and services.

Public Liability: $10-20 million. Protects against third-party injury or property damage.

Product Liability: Often included in professional indemnity. Covers products you recommend or sell.

Cyber Liability: If you store client data digitally (and you do), you need this.

Melbourne-Specific Considerations

Mobile training coverage. Essential if you train clients at homes, parks, or apartment gyms across Melbourne.

Equipment coverage. Your gear isn’t cheap. Make sure it’s protected during transport and sessions.

Multiple location coverage. Training at different gyms or venues? Verify you’re covered everywhere.

Our Recommendation

We use Fitness Australia’s insurance program. Comprehensive coverage designed specifically for personal trainers. Covers mobile training, multiple locations, and all the scenarios you’ll actually face.

Cost: Around $300-500 annually. Cheap compared to one lawsuit.

The Bottom Line

Insurance isn’t exciting. But neither is losing your house because you couldn’t afford proper coverage.

Protect yourself. Protect your clients. Protect your business.

Need specific advice? Contact our team. We’ll share exactly what coverage we use and why.

Get protected today – because your personal training career is worth more than a few hundred dollars in premiums.