Find your corner of the fitness insurance market
UK Health & Fitness Professionals
Trainer, instructor, coach, studio or gym — the right insurance depends on your role. Six questions to route you to the right product and provider.
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: Which best describes you?
- Personal trainer or instructor
- Points to: Protectivity (+2), Insure4Sport (+2), Simply Business (+1)
- Group exercise / class instructor
- Points to: EMD UK (+2), Insure4Sport (+1), Protectivity (+1)
- Sports coach
- Points to: UK Coaching (+2), Insure4Sport (+2)
- Studio or gym owner
- Points to: Salon Gold (Fitness Gold) (+3), Simply Business (+1)
Question 2: How many activities do you deliver?
- One
- Points to: Protectivity (+1), Simply Business (+1)
- Several
- Points to: Insure4Sport (+3)
Question 3: Do you play recorded music in sessions?
- Yes
- Points to: EMD UK (+3)
- No
- Points to: no specific provider (neutral answer)
Question 4: Do you work with children?
- Yes
- Points to: UK Coaching (+3)
- No
- Points to: no specific provider (neutral answer)
Question 5: Do you operate premises?
- Yes — my own studio or gym
- Points to: Salon Gold (Fitness Gold) (+3), Simply Business (+1)
- No — I work in others’ venues
- Points to: Protectivity (+1), Insure4Sport (+1)
Question 6: What matters most?
- Lowest price
- Points to: Protectivity (+2), Simply Business (+1)
- Income protection if I’m injured
- Points to: Insure4Sport (+3)
- Membership, CPD and community
- Points to: UK Coaching (+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.
UK Coaching
Premium+ membership (~£9/month): £10m public liability plus abuse-allegation cover, 230+ sports, and 900+ CPD resources — insurance and professional development in one.
https://www.ukcoaching.org/insurance/
Salon Gold (Fitness Gold)
Spans the sector from instructors to full gym premises packages — useful if your business straddles roles.
https://www.salongold.co.uk/health-and-fitness-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.