Find the right instructor cover in 60 seconds
UK Fitness Instructors
Gyms and studios won’t let you teach without proof of cover. Six quick questions to match how you train people to the providers built for it.
Answer the questions below; each option points toward the providers whose cover fits that answer. Your closest matches are the providers your answers point to most often.
Question 1: How many disciplines do you teach?
- One (e.g. just spin or circuits)
- Points to: Protectivity (+2), Simply Business (+1)
- Two or three
- Points to: Insure4Sport (+2), Protectivity (+1)
- Lots — I’ll teach anything
- Points to: Insure4Sport (+3)
Question 2: Do you play recorded music in classes?
Recorded music needs a PPL licence — some memberships bundle a discount
- Yes, every class
- Points to: EMD UK (+3)
- Sometimes
- Points to: EMD UK (+1), Insure4Sport (+1)
- No
- Points to: no specific provider (neutral answer)
Question 3: Where do you train clients?
- Gyms and studios
- Points to: Insure4Sport (+1), Protectivity (+1), Simply Business (+1)
- Outdoors / parks
- Points to: Protectivity (+2), Insure4Sport (+1)
- Online or hybrid
- Points to: SportsCover Direct (+3), Protectivity (+1)
- Clients’ homes
- Points to: Protectivity (+2), Simply Business (+1)
Question 4: If injury stopped you teaching, how exposed is your income?
- Very — teaching is my whole income
- Points to: Insure4Sport (+3)
- Somewhat — it’s a big part
- Points to: Insure4Sport (+1), Protectivity (+1)
- Not much — it’s a side income
- Points to: Protectivity (+1), Simply Business (+1)
Question 5: Do you employ or use other instructors?
- Yes
- Points to: Simply Business (+2), Insure4Sport (+1)
- No, just me
- Points to: no specific provider (neutral answer)
Question 6: What matters most?
- Lowest price
- Points to: Protectivity (+2), Simply Business (+1)
- Widest activity cover
- Points to: Insure4Sport (+2)
- Industry membership and CPD
- Points to: FitPro (+2), EMD UK (+2)
- Comparing the market
- Points to: Simply Business (+3)
Providers in this tool
Insure4Sport
The multi-sport specialist: 400+ activities on one Aviva-backed policy, public liability to £10m, loss of earnings to £750/week and equipment cover. 4.7 on Trustpilot.
https://www.insure4sport.co.uk/fitness-instructor-insurance/
Protectivity
The cheapest verified entry point (from £3.86/month) covering gyms, homes, outdoor and online sessions. 4.8 on Trustpilot.
https://www.protectivity.com/product/fitness-instructor-insurance/
Simply Business
Compares multiple insurers in one quote, with easy employers’ liability and equipment add-ons.
https://www.simplybusiness.co.uk/business-insurance/fitness-instructor-insurance/
EMD UK
Membership from £51/year including £10m public liability and a discounted PPL music licence — strong value for class instructors who play music.
FitPro
The long-established fitness-industry membership body, bundling insurance with CPD and professional standing.
SportsCover Direct
Clear written conditions for online and remote coaching, with £500 of equipment cover free as standard.
https://www.sportscoverdirect.com/insurance/fitness-instructor-insurance/
This tool gives a guide match based on typical product features, not financial advice. Cover details, prices and review scores change — always read the policy wording and compare at least two quotes before buying. Information last checked June 2026.