A client is injured in a session
A lift goes wrong, or a client tweaks something under your program. Public liability responds to claims that you were legally responsible.
Insurance for personal trainers & PT studiosCover that moves
Cover that moves
with you.
One-on-one and small-group PT, in your studio or on the road: cover for your space, your gear and every client you put through a session. GymCover arranges one flexible business pack for Australian personal trainers: public liability, your equipment on-site and off, and the income you’d lose if you had to close. Priced live by A-rated insurers.
Real price in about 3 minutesNo lock-in contractsPDS before you pay
Up to $20Mpublic liability cover
~3 minto a real, bindable price
A-ratedAustralian insurers only
1-to-1broker support included
Made for how you trainStudio or on the road,
Studio or on the road,
we cover it.
Personal training is personal. The risk sits in the hands-on coaching, the gear you own, and the fact that you often train clients wherever they are: a studio, a park, their home.
GymCover’s questions adapt to how you work (a fixed studio, mobile sessions, small-group or online) so you only pay for what fits.
- ✓One-on-one PT
- ✓Small-group training
- ✓Mobile & in-home PT
- ✓Outdoor & park sessions
- ✓Online coaching
- ✓Sole traders & studios
Why it mattersThe risks a trainer
The risks a trainer
actually carries.
These are the moments cover is built for. Personal training’s exposures follow you into the studio, the park and your clients’ homes.
Your equipment is damaged or stolen
The gear you’ve invested in, on-site or in the car. Property and portable cover protect it against damage and theft.
Something happens off-site
You train at parks, homes and other gyms. Cover can follow you and your equipment away from a fixed base.
You can’t work for a while
If an insured event stops you operating, business interruption helps cover the income you would have earned.
What’s coveredOne pack. Switch on
One pack. Switch on
only what you need.
Eleven sections sit inside the GymCover pack. These are the ones personal trainers and PT studios most commonly switch on. You choose the sections; we size the limits and excess around how you train.
Public & products liability
A client is injured in a session (in your studio, a park or their home), or you’re held responsible for third-party property damage.
Limits up to $20M
Portable equipment
The gear that travels with you: dumbbells, bands, mats, laptops and speakers, covered away from site.
Cover away from site
Property & contents
Your studio fit-out, benches, racks and stock, protected against fire, storm, water and accidental damage.
Insured to value
Equipment breakdown
Cable machines, treadmills and electronics that stop working through mechanical or electrical failure.
Repair or replace
Business interruption
The income you’d lose while an insured event stops you training clients.
Lost income covered
Theft & money
Break-ins and stolen equipment or stock, plus cash on site and takings.
Contents & takings
Eleven sections in one pack. Glass, machinery, tax audit, transit and general property are there too if your studio calls for them.
Common questions
Good to know.
General information about cover for personal training studios. For advice on your situation, a licensed broker is a message away.
Ask us anythingWhat insurance does a personal trainer need in Australia?
Public liability is the core cover for personal trainers, and many gyms and venues require it before you can work on their floor. If you carry equipment, portable equipment cover follows your gear, and if you run a studio you can add property and business interruption. GymCover bundles it all into one pack so you switch on only what you need.
Does public liability cover a client injured during a session?
Public liability is designed to respond to claims where you’re found legally responsible for a client’s injury during a session. Cover depends on the policy wording and the circumstances, which is why the PDS is shown before you pay and a broker is available to talk it through.
I’m a mobile PT and train clients in parks and homes. Am I covered?
Yes. The quote adapts to mobile and outdoor training. Public liability and portable equipment cover can follow you and your gear away from a fixed base. Just tell us how and where you work during the quote.
Do gyms and venues require me to have insurance?
Many gyms and venues require trainers to hold public liability before working on their floor, and will ask for a certificate of currency. Once you’re covered, that certificate is easy to share.
I also coach online. Does that change my cover?
Online coaching has a different risk profile to in-person training, so tell us about it during the quote and the questions adapt. A broker can help make sure your mix of in-person and online work is properly reflected.
How much does personal trainer insurance cost?
It depends on your turnover, whether you have a studio, the equipment you carry and the sections and limits you choose. Rather than quote a generic figure, GymCover prices your work live with the insurer, usually in about three minutes, and shows the premium broken down to the cent before you decide.
Ready when you arePrice your training before
Price your training before
your next session starts.
About three minutes of questions. No documents, no obligation, and a broker on the other end if you’d rather talk it through.