Personal Trainers, Allied Health Insurance and BizCover for Brokers: What Brokers Should Know

The fitness industry may have been permanently transformed by COVID-19. Virtual and outdoor sessions are still popular with fitness fans searching for low-risk ways to exercise, and traditional gyms are reopening. As the industry continues to recover, your personal trainer clients might be busier than ever.

Allied Health Combined Liability (Allied Health)* insurance can help them protect their small businesses. Now might be the perfect time to consider how you can best serve the personal trainers on your books, whether they are seeking Allied Health cover for the first time or are ready to renew.

Allied Health Basics for Personal Trainers

Allied Health insurance is essential for personal trainers, providing them with Professional Indemnity and Public Liability coverage. This combined cover protects them against allegations of negligence and claims resulting from their advice, as well as customer injuries or property damage claims.

Key Allied Health Exposures for Personal Trainers

Allied Health Combined Liability insurance can help shield personal trainers from key exposures, including:

Incorrect Advice

It’s easy to accidentally leave out information during a busy training session or overlook a client’s medical questionnaire. An Allied Health policy can help your personal trainer clients prepare for potential claims around advice and recommendations made to their customers.

Customer Injury

Injuries are common in the fitness industry. Your personal trainer clients will need coverage for their legal and defence costs if a customer is injured due to their real or alleged negligence.

These exposures and others show the importance of Allied Health coverage for personal trainers. These policies are likely a ‘must have’ for your SME clients and their fitness businesses.

Claim Example

Here’s an actual claim example** from an insurer partner showing an Allied Health policy in action:

The Insured is a sub-contractor providing personal training services at a gym. The Claimant attended an exercise class conducted by the Insured and sustained serious injuries to her knee. The Claimant sought damages from both the Insured and the owner of the gym.

A settlement sum of $110,000 was agreed upon based on noneconomic loss, out-of-pocket expenses, future medical treatments, past economic loss as a result of needing time off work for treatment, future economic loss, and need for domestic assistance. A further $25,000 in legal costs were incurred to defend the Insured.

Our Allied Health Offering for Personal Trainers

BizCover for Brokers has a broad Allied Health appetite. With the B4B platform, Brokers can obtain insurance for their SME clients from two insurer partners—DUAL and Vero.

The B4B platform can accommodate your SME and micro-SME personal trainer clients. Our maximum turnover is $5 million, with an average turnover of $94,000 across all personal trainers on the platform. We can cover personal training businesses of all shapes and sizes—our average premium is $266, and the largest premium on the books in 2021 totalled $1,525.

You are very likely to get an instant quote for your personal trainer clients by using the B4B platform. We quoted 98% of all Allied Health submissions received in 2021!

These numbers are an indication of the business quoted and bound through BizCover for Brokers for the calendar year 2021 and are not a representation or guarantee of any current or future rates.

What other policies do Personal Trainers typically consider?

Brokers are binding more than just Allied Health for their personal trainer clients. Other policies bound with Allied Health include:


These policies often pair well with Allied Health because they address other exposures that your personal trainer clients might face.

Personal Accident & Illness provides peace of mind if your client is unable to work due to an injury or illness, even those sustained in their downtime. Cyber Liability protects them from risks, including data breaches, loss of client information, or financial loss from a phishing email or other cyber fraud.

BizCover for Brokers makes it easy to quote and bind multiple products at the same time. You can help your personal trainer clients address different risk exposures in minutes and move on to the next task!

Broking Streamlined

Allied Health Combined Liability is an important policy option for many SME clients, including personal trainers. With a streamlined binding process, BizCover for Brokers has made it faster and easier to bind Allied Health and seven other products for your clients.

Sign in to bind your client’s next Allied Health policy with BizCover for Brokers.

Ready to put the B4B platform to work for your brokerage? Join now to get started.



*As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this email is general only.  Coverage for claims on the policy will be determined by the insurer, not BizCover for Brokers, and will depend on the specific facts and circumstances involved.

**The provision of claims examples is for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned.

BizCover for Brokers is a business name of BizCover Pty Ltd (ABN 68 127 707 975; AFSL 501769)