Business insurance for sports/personal trainers

If you’re a sports/ personal trainer or fitness instructor, your job is to help people get the best out of themselves. But when it comes to keeping your own business fit and limber, how well prepared are you? 

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Do I need insurance as a sports/ personal trainer?

Firstly, whether you personally need insurance will depend if you are self-employed or employed by a company. If you’re employed by someone it’s worth reviewing the cover that they have in place first to see if it provides sufficient protection.

If you work for yourself, in general there are three types of liability insurance for you to think about.

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Public liability insurance for sports/ personal trainers

If a member of the public suffers an accidental injury or damage to their property as a result of work you carried out and makes a claim against your business, then public liability insurance could cover the cost of your legal fees and compensation.

It’s all too easy to think that accidents and injuries happen to other people and that no-one under your supervision is likely to get hurt, but accidents can and do happen – usually when you least expect it. It could be as simple as a client tripping over some unattended gym equipment in a dance class and twisting their ankle or tearing a muscle. All of this could result in legal action and if you don’t have adequate cover, you’ll be expected to fork out for all the associated costs yourself.

Employers’ Liability Insurance

If you run your own gym or offer fitness classes and hire instructors, cleaners, receptionists just to name a few, you’ll need employers’ liability insurance. It protects you against claims should those employees hurt themselves or become ill due to work they carried out while employed by you. You are required by law to display a copy of your Employer’s Liability Certificate of Insurance where your employees can easily read it. Failure to display the certificate can result in a fine of £1000 from the Health & Safety Executive (HSE). Failure to have Employer’s Liability insurance could lead to a fine of up to £2,500 for every day you don't have this insurance in place.

Professional Indemnity Insurance

As well as public liability, it’s also worth considering professional indemnity insurance. It will cover you against claims made for negligence or poor advice that resulted in your client’s financial loss or an accidental injury. As a professional, your advice and skills are highly sought after and you’re probably accustomed to making detailed exercise plans or explaining moves. But what happens if your advice wasn’t appropriate and resulted in an injury? Professional indemnity insurance can offer you peace of mind, so when you give advice in good faith, you’re also covered just in case is doesn’t go according to plan.

What else might I consider?

Don’t forget to insure your equipment either. You’d be surprised how much yoga mats and stretch bands can add up to – especially if you’re providing equipment for the whole class. Or if you’re based in a studio and keep all your equipment onsite, then it’s important to make sure you’ve got appropriate buildings and contents cover to protect you against theft or damage. And if you travel out and about for work make sure your car or van insurance provider knows about what you’re using your vehicle for and what your mileage is – failing to disclose relevant information could invalidate your policy.

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How much will sports/ personal trainer insurance cost me?

Your premiums are based on various factors such as the amount of cover you want, the size of your business and your claims history. It might be tempting to opt for the cheapest option but it’s more important to get the right policy for your needs. Legal costs can spiral out of control and providing compensation for any physio a client might need, could cost you more than an arm and a leg; so choose with your head, not your wallet.

Comparing insurance

Finding liability insurance isn’t complicated. In fact, you can do it right here, right now. Use our public liability or employers’ liability comparison services or fill out our professional indemnity enquiry form and we’ll help you find the right deal for you and your business.

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