Specific employers' liability cover limit stated
Source: AXA
It covers you for up to £10 million for any claims from staff may become unwell or suffer an injury as a result of working for you.
Personal Trainers
Claims AXA makes that competitors do not (1)
Claims competitors make that AXA does not (5)
Cyber and data insurance as dedicated cover option
Source: Hiscox
Cyber and data insurance
Explicit coverage for online fitness instruction
Source: Hiscox
Do you need insurance to teach fitness online?
Portable equipment insurance as specific product
Source: Hiscox
A policy that includes portable equipment insurance could help with replacements and repairs, so you can continue being the personal trainer your clients need with minimal disruption.
Treatment liability insurance as combined cover element
Source: Hiscox
Personal trainers can buy certain covers as part of a combined product – professional, treatment and public liability insurance.
Specific guidance on outdoor training coverage
Source: Hiscox
Your PT insurance package may cover you wherever you train your clients, since it can be tailored to your circumstances.
Areas where AXA's language is weaker (4)
Equipment coverage specificity
AXA says:
If your valuable equipment that you use in your business for training purposes is damaged or stolen.
Hiscox says:
A policy that includes portable equipment insurance could help with replacements and repairs, so you can continue being the personal trainer your clients need with minimal disruption.
Digital/cyber risk acknowledgment
AXA says:
— nothing on this topic —Hiscox says:
As a personal trainer, you have access to sensitive client details every day and it's your responsibility to handle that data with care.
Online training scenario coverage
AXA says:
— nothing on this topic —Hiscox says:
Personal trainers will often find they gain reassurance from having business insurance to teach fitness, even if this happens solely online.
Treatment liability positioning
AXA says:
If people rely on your professional expertise, they can claim against you if they think you've made a mistake or given them bad advice.
Hiscox says:
This brings together elements of professional treatment liability insurance and public and products liability, which helps against claims over bad advice.
Differentiation suggestions (5)
Add cyber and data insurance as an explicit cover option in the product bundle, with messaging around client data protection and digital business continuity
Hiscox prominently features cyber insurance as a dedicated cover type; AXA makes no mention of this growing risk category despite personal trainers' reliance on digital client records and booking systems
Create dedicated messaging for online/remote fitness instruction scenarios, addressing equipment, cyber, and personal accident risks specific to virtual training
Hiscox has an entire FAQ section on online fitness teaching; AXA's page is silent on this increasingly relevant delivery channel, representing a gap in market positioning post-pandemic
Rebrand or clarify 'Business equipment' cover as 'Portable equipment insurance' with explicit mention of quick replacement/repair to minimize business disruption
Hiscox's language emphasizes continuity of service and rapid recovery; AXA's phrasing is passive and focuses only on damage/theft without outcome benefits
Introduce 'treatment liability' as a named cover element alongside professional indemnity, with specific language about claims arising from training advice or instruction
Hiscox explicitly combines professional, treatment, and public liability; AXA separates professional indemnity and public liability without naming treatment liability, which is a key PT-specific risk
Add specific guidance on outdoor training coverage scenarios (parks, fields, home visits) to address a common use case
Hiscox provides concrete examples of outdoor training risks; AXA mentions 'gym, studio, home or outdoors' in the intro but provides no scenario-specific guidance, missing an opportunity to build confidence