What insurance does self employed fitness instructor need?

So just in case you have a serious injury he can not be held responsible. Liability insurance will protect the trainer/instructor in the event a client is injured during a session. The client can file a claim with your insurance instead of going after you for the money (much like car insurance protects you in the event of an accident). All personal trainers should purchase insurance, even if you are an employee of a corporate gym it is still a good idea to have your own policy. Also just as important is making sure your clients are filling out activity waivers and a PAR-Q (physical activity readiness questionnaire) before beginning training. This will ensure that they are healthy enough to begin an exercise program and again will protect you in the event of injury.