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Insurance for Fitness Professionals

Instant insurance for fitness professionals. Combines professional indemnity, public liability and products liability insurance


Sweat up a storm for the right reasons!

upcover saves time and effort by offering one affordable insurance product that covers both third party injuries and advice related complaints.

PROTECTS you for

How does this insurance protect fitness professionals?

upcover offers insurance that blends professional indemnity and public and product liability insurance, offering you tailored insurance solutions for fitness professionals at affordable prices.

Professional Indemnity Insurance for fitness professionals (Limits up to $10m)

Professional indemnity protects you from claims made against your fitness business in the course of you providing your professional services.


A personal trainer lesson leads to an ankle injury as a client gets their foot stuck in the leg extension machine.

Bad advice

An exercise plan built by a sports trainer leads to severe muscle lower back damage for a rugby player.


You're a yoga teacher and a client injures their back because you did not ask them if they had any previous injuries before commencing the weekend Vinyasa class.

Public & Products Liability insurance for fitness professionals (Limits up to $20m)

Public liability insurance protects your fitness business against liability if someone gets injured on your premises or while you are providing your services.
Products liability insurance is for claims made against your fitness business for products supplied or sold by you to a third party. This might be a claim arising from a faulty fitness product or a product that injured someone.

Third Party Injuries

A fitness trainer at your gym offers to care for a client's child while a workout commences. The child trips over a carelessly placed dumbbell, injuring breaking their arm.

Property Damage

You have a mobile gym service and have set up at a regular client's home. Unfortunately, throughout the regime, the TRX ropes swing and scratch the client's car.

Faulty Products

You sell your clients some muscle repair creams and ointments. A recent batch from your supplier turns out to be faulty causing burns and rashes on some clients. One client was so badly burned, they had to be hospitalised and had to take time off work.


Other insurance requirements of a fitness professional?

Equipment insurance

Your fitness business depends as much on having the right equipment as it does on your skills and prowess.Getting your equipment ready is an expensive and time-consuming process. Having done that, you want to ensure it's protected and that your investment remains safe. This is where equipment insurance comes into play.

This insurance protects your equipment - owned, rented or borrowed.

Cyber Liability Insurance

If you have personal or sensitive information of your clients, you might also want to look at cyber liability insurance. Cyber liability insurance provides coverage from losses due to a cyber-attack event and legal protection from claims arising out of a cyber breach.

Business package insurance

Business package insurance is aimed at business owners and is a comprehensive solution that protects owners against some of the main risks in running a business.

Personal Accident and Illness Insurance

Personal accident and illness insurance comes in handy for times you cannot work owing to an injury or illness.  

While professional indemnity covers you for mistakes made in a professional capacity, personal accident and illness insurance helps with loss of income for periods you can't work.

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