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Fitness Insurance

  • Public and products liability – £10 million
  • Malpractice and professional indemnity – £1 million
  • Personal accident cover
  • Abuse extension cover
  • Crisis containment cover
  • Cover for online and virtual training
  • Access to risk management, hazard reporting, pre-session and par-q reporting system
  • And much more!

Get Protected

Enjoy the peace of mind that comes with being protected by specialist insurance

Being a health and fitness professional carries that small but nagging risk of injury befalling a customer. You will do your best to minimise this risk but it is also a comfort to know you are well covered should the worst-case scenario materialise.

Get protected with UK Coaching's specialist fitness insurance – the same comprehensive cover previously enjoyed by members of the Register of Exercise Professionals (REPs).


What's Included?

£10 million public and products liability insurance – this cover includes liability arising from any advice you may provide and liability for products that you use or sell (e.g. someone alleges your coaching method has caused them an injury and sues you for compensation).

£1 million malpractice professional indemnity insurance – this cover includes liability for financial loss arising from your advice or instruction, including breach of copyright or intellectual property rights (e.g. someone alleges you’ve copied their copyrighted online training programme and sues you for compensation).

Personal accident cover – this includes 50k death and loss of eye(s) or limbs benefit, £50k loss of speech and hearing, £50k permanent disablement and £100 per week for temporary disablement (payable for up to 13 weeks starting from the 29th day of disablement). For members aged over 75 years, Permanent Total Disablement cover is excluded and all other benefits (other than Temporary Total Disablement) are reduced to 10% of the benefit amount shown above).

Cover for online and virtual training – you can coach and work with clients remotely, including hosting live workouts or uploading pre-recorded instructional videos. See our FAQs below for more information on what’s covered.

24 hour legal and tax advice – you can call this helpline any time, day or night, for advice on legal or tax matters in the United Kingdom. Given in confidence, the advice is free and you pay for just the cost of the call.

Counselling services helpline – confidential service available to help you deal with personal issues such as bereavement, divorce, the threat of violence in the workplace and bullying at work.

Risk solutions helpline – provides advice on safety, fire, security and other issues that can affect your business. This service is available during normal office hours (Monday to Friday from 9am to 5pm).

Risk management reporting system – you’ll gain access to the Proactive reporting system. A simple, easy to use digital solution for completing reports and checklists that will help improve the safety of your coaching and delivery (includes incident, hazard, pre-session, Par-Q and COVID-19 checker forms).

The policy covers a registered fitness professional to instruct in any area (in the context of exercise and fitness) in which they hold an approved qualification.

This policy will not cover the following unless it is an endorsed programme in the context of exercise and fitness: Sports Coaching, Physiotherapy, Tai Chi, Martial Arts and Boxing. Please read the Statement of Facts for more information.

Read and download the full policy.

For 12 months' cover (equivalent of less than £6 a month)

Premium inclusive of Insurance Premium Tax (IPT of 12% at £4.07)​

NEW: Proactive Reporting System

Free incident, hazard, pre-session, Par-Q and COVID-19 checker reporting system

Purchase insurance with UK Coaching and you’ll now have access to a simple, easy to use digital solution for completing reports and checklists, which will help improve the safety of your coaching and delivery.

Designed to be used on mobile devices, the system includes:

  • Digital PAR-Q
  • Covid-19 Symptom Checker and Disclaimer
  • Incident Report
  • Pre-session Check
  • Dynamic Risk Assessment.

It is free for you to use for 12 months from the point you register.


Public and Products Liability: Cover is provided Worldwide for instructors resident in the United Kingdom.
Restricted cover applies in respect of legal actions brought in a court of law within the USA or Canada.

Personal Accident: Cover is provided Worldwide for instructors resident in the United Kingdom.

The policy will cover a registered health and fitness professional to instruct in any area in which they hold an endorsed piece of training – as long as it is in the context of exercise and fitness. Cover for undertaking of all manner of additional coaching, including running clubs, water sports, climbing, etc. can be arranged directly through UK Coaching insurers: [email protected] / 0845 366 6666.

For more information, please read UK Coaching Fitness Insurance Important Information.

You can coach remotely, including hosting live workouts or uploading pre-recorded instructional videos, on the basis that:

  • you are suitably qualified to coach the activity
  • the activity can be performed in someone’s home
  • you ask participants to check their surroundings are clear and to keep any distractions, such as pets, away during the session
  • you specify at the start of any session that your coaching is a means of general guidance and motivation. It is the participant's responsibility to be aware of their own capabilities and do what they are comfortable with. Medical advice should be sought if there is any doubt
  • you remind participants to stay hydrated
  • you're mindful of using copyrighted music/material.

In regards to uploads of your own pre-recorded instructional videos and training material, your insurance provides cover for injury claims resulting from someone doing the exercise and also financial claims arising from breach of copyright and professional indemnity type risks.

If you are coaching vulnerable adults or anyone under 18, then there are potential safeguarding points you will need to consider:

  • Gain written consent from their parents/guardians. Explain the purpose of the training, when it will be done and on what platform, etc
  • Use an online-sharing platform to avoid needing any of your participants' contact details (other than their parents'/guardians'), and only use it for the purpose of the training
  • Do not make contact with your participants outside of your coaching sessions unless you have explicit parental/guardian consent
  • Ensure that you and your participants wear appropriate clothing at all times.

Use this example disclaimer text in your training content, eg in the description of a YouTube upload. NB This is not a legally binding disclaimer. You must take responsibility for your sessions and the content you produce - whether it's live or pre-recorded instructional videos. 

We hope you are happy with your policy. Please read it carefully to see it meets your needs. If not, you may have a right to cancel your insurance. If you do decide to cancel within 14 days, you will be entitled to a full refund. You can cancel at any point in time after 14 days and you will be entitled to a pro rata return of your premium. The amount that will be refunded can be confirmed on request, before your make your final decision. We will not refund any amount of £10.00 or less. If you have notified a claim under this policy, you will not be entitled to any refund. Fees are not refundable.

If you wish to cancel your Fitness Insurance, please email your request to [email protected].

UK Coaching is operated by UK Coaching Solutions Limited and insurance premiums and fees are collected by them. UK Coaching Solutions Limited is an Appointed Representative of Howden Insurance Brokers Limited, which arranges insurance on its behalf with Hiscox Insurance for liability insurances and Am Trust Underwriting for Personal Accident Insurance.

UK Coaching Solutions Limited is an Appointed Representative of Howden Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority in respect of general insurance business. Howden Insurance Brokers Limited is registered in England and Wales under company registration number 725875. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.