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Personal trainers income protection insurance

Income protection can be one of the most important policies for some occupations including personal trainers. If you’re unable to work for weeks or even months because of an accident or sickness then you’ll need this type of cover.

There are many risks for personal trainers that might result in you being unable to work for long periods of time.

Definition of a Personal Trainer

This is a person who has completed a certified course to become a qualified personal trainer to prove their skills and competency. You would then be able to deliver a safe and effective exercise program to people who have are capable of exercise.

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Here we look at how income protection works for personal trainers and how you can use this type of cover to protect your family.

Does income protection insurance pay out to personal trainers?

YES – you will be able to claim on your income protection insurance if you’re unable to work as a personal trainer because of an accident, injury, or sickness.

If you are signed off work for a period of time, usually more than 4 weeks, then you’ll be able to submit a claim. Most income protection policies will then pay out for up to 12 or 24 months depending on your type of cover.

This money can then be used to replace your income while you are unable to work as a personal trainer. Your claim can be used to pay for any reason and the most common are:

  • Mortgage or rent payments
  • Cost of living
  • Household bills
  • School fees
  • And more…

You will be paid a lump sum each month to your bank account that you can use to pay for your monthly outgoings.

How much is income protection for personal trainers?

There are lots of different options for this type of cover and often can be tailored to suit any budget.

Some of the options that you can select for your income protection policy to fit your requirements include:

  • Deferred periods (One month to twelve months)
  • Short term or long term payouts
  • Age rated premiums (increasing)
  • Own Occupation or Any occupation

Some of the other areas that will determine your premiums will include:

  • Your age
  • Amount of cover (£’s)
  • Term of policy (years)
  • Smoker status

There are also a number of insurers that will consider an application for income protection insurance for a personal trainer. You can save a considerable amount of money by selecting the right insurance provider and by speaking to an expert.

You might need to take out this type of cover for a number of reasons to support your income if you can’t work.

An occupation like being a personal trainer means that you’ll be at risk of being unable to work for many reasons. You might also suffer an injury at work that might prevent you from doing your job for a period of time.

Best income protection insurance for personal trainers

There are lots of different options for this type of policy and the best for you can be very different from someone else.

One of the main things that you need to consider is to make sure that your policy is based on ‘own occupation’ terms. This simply means that any claim will be based on you being able to do your job rather than any job.

Many personal trainers are also freelancers or self-employed which means that they will need shorter deferred periods (e.g. 4 weeks). This simply means that your claim will be paid from 1 month after you are signed off work.

Learn more information about SELF EMPLOYED INCOME PROTECTION.

According to research from Statista.com there were just over 22,000 personal trainers in the UK in 2021. The number of personal trainers has grown from around 15,000 in 2011.

It is estimated that approximately 80% of all personal trainers are self-employed or work on a freelance basis.

Some other useful stats about personal trainers in the UK:

  • Average age: 40 years of age
  • Salary range: Between £21,000 and £36,000 (average)
  • Sex: 35% female / 65% male

According to other statistics, there are only 35% of personal trainers have adequate protection or insurance.


Safe Workers – Average sick days in the UK 2022 

Statista – Sickness absence rate in the UK 1995-2021 

Citizen’s Advice – Check if you can get sick pay 

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