We use cookies to give you the best experience and to help improve our website. By using our website you are accepting our cookies.  Learn More

Fitness 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. You can enjoy peace of mind by being protected with specialist insurance that includes public liability (£10 million), personal accident cover and that covers you for online and virtual training*.

Join for £56 per year (equivalent of just over £4.50 a month)

Get Protected

Premium inclusive of Insurance Premium Tax (IPT of 12% at £3.32)​

What's Included?

  • Public liability indemnity – £10 million. This cover includes liability arising from any advice you may provide and liability for products that you use or sell.
  • Personal accident cover – includes 50k death and loss of eye(s) or limbs benefit, and £100 per week for temporary disablement (payable for up to 13 weeks starting from the 29th day of disablement).
  • 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 helpline – 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.
  • 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).
  • Counselling services helpline - confidential service available to help you deal with personal issues such as bereavement, divorce, the thread of violence in the workplace and bullying at work.

*Please be aware the standard policy does not cover any publishing or professional indemnity risk. If you require this you will need to purchase additional insurances and by contacting Howdens at [email protected] or calling 0845 366 6666.

Who's Covered?

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.

The policy will not cover the following unless it is an endorsed programme in the context of exercise and fitness:

  • Sports Coaching
  • Dance
  • Physiotherapy
  • Tai Chi
  • Martial Arts
  • Boxing

Please read the UK Coaching Fitness Insurance Cover Leaflet for more information. You can also check out our FAQs section below for answers to some common questions about our Fitness Insurance Cover.


Yes, the UK Coaching insurance scheme does cover you to work overseas (with restrictions in USA and Canada) for up to six months in any 12 month period subject to your home remaining in the UK. Please refer to your insurance certificate for more information on the restrictions.

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

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 cover only relates to injury claims resulting from someone doing the exercises and would not cover any publishing of professional indemnity type risk. For publishing of professional indemnity cover, this is available directly from the insurance provider, Howden ([email protected] Telephone: 0845 366 6666).

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. 

You are entitled to cancel UK Coaching insurance at any point during the membership period. You will be refunded the full amount of £56.00 within the first 14 days of cancellation. A pro rata return of your premium subject to a minimum retained premium by us of £25.00. We also will not refund any amount of £25.00 or less. If you have notified a claim under this policy you will not be entitled to any refund. Administration fee is not refundable.

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

Coachwise Limited is an Appointed Representative of Howden UK Group Limited, which is authorised and regulated by the Financial Conduct Authority in respect of general insurance business. Howden UK Group 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.