Insurance for Personal Trainers

We have TWO insurance options for FITREC professionals.

1. PRIMARY - Cost effective cover with MARSH.

Our partners at MARSH have generously provided a discounted FITREC $119 annual rate that includes...

  • $20,000,000 Public Liability
  • $20,000,000 Products Liability
  • $10,000,000 Professional Indemnity
  • Excess of $250

This option is EXCLUSIVE to FITREC professionals

This policy will suit a majority of Personal Trainers but does have some key restrictions, including:

✖ No training clients in your own home or studio (clients home is fine, just not your home).
✖ Contact sparring is out, as is non-contact sparring. Pad work is fine.
✖ Training minors (under 16) requires prior agreement.
✖ No martial arts. No use of cargo nets. No Trekking and Hiking
✖ Special agreement required to train professional sports people.

IMPORTANT: Please note the required 'written risk management procedures'. - A range of risk policy templates can be found at

Check your policy for all details. Any questions regarding this insurance option need to be directed to Marsh Insurance on 1300 655 971.

Want to get started?

STEP 1. Register with FITREC.

STEP 2. We'll be in touch to get your profile set up and registration activated.

STEP 3. Once activated, we'll send through the forms for insurance.

2. COMPREHENSIVE – Broad insurance coverage with BIZCOVER.

FITREC has negotiated a comprehensive insurance option with BizCover that has some of the more common inclusions required by fitness professionals.

Starting at $230 per year, the discounted ‘Personal Trainer’s Package’ from DUAL Australia is available to all qualified professionals and includes:

  • Option of $10,000,000 or $20,000,000 Public Liability
  • Option of $10,000,000 or $20,000,000 Products Liability
  • Option of $1,000,000, $2,000,000 or $10,000,000 Professional Indemnity

Whilst the cost is slightly higher, it has a number of the key inclusions requested by our members, including:

✔ Training in a home or studio, anywhere in Australia.
✔ Boxing – pad work, contact and non-contact sparring.
✔ Martial arts – pad work, contact and non-contact sparring.
✔ Boot camp and Crossfit.
✔ Aqua fitness classes.
✔ Bodybuilding.
✔ Online coaching programs to clients based inside & outside Australia, excluding the US and Canada.
✔ Easy online-setup as well a direct debit options.

This is what Tammy Curtis had to say about her experience with BizCover; 

"Bizcover has set me up on both PI and PL cover as well as business insurance for half the price I'd normally pay! Their customer service was excellent as they had no problems in answering my long list of questions."

This is what Ian O'Dwyer  had to say about his experience with BizCover; 

"I have renewed my insurance (PI/PL and Business Pack) through Bizcover from the HealthyPeople website. They were fantastic to deal with and very reasonably priced"

Want To Get Started?

STEP 1. Access the Bizcover Dual PT package via this link.

STEP 2. Enter your occupation as ‘Personal Fitness Trainer’

STEP 3. Enter the code FITREC in the partner code field during checkout, and ensure you select the DUAL Australia policy.

It’s all done online or over the phone, and your policy documents are emailed to you instantly.

* Please Note - We receive no kickback from either of these offerings. We've set them up in order to make life easier for you. Feedback on either is always welcome. If you have any questions of FITREC, do not hesitate email