Business Insurance for Personal Trainers
Ever wondered if personal trainers need insurance?
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Picture this. You've got your fitness certification, you've found a venue to work out of and hey - you probably have some clients ready to go. But now you are responsible for the safety of your clients and more.
Risks that personal trainers face
If you're self employed or you run your own business, there's always the potential for things to go wrong and this is true for personal trainers. Just imagine these two scenarios:
- You have an accident during a session and you are at fault.
- You're client is unhappy with your advice and feels like you're negligent.
Both situations could result in you paying compensation from your hard-earned cash. The right types of insurance can help you cover moments like these.
Get an affordable quote for personal trainers
Types of insurance to consider
Although your specific needs might vary, public liability and professional indemnity cover should be at the top of every personal trainer's list:
- Public liability insurance. This covers you from third party damage or injury.
- Professional indemnity insurance. This covers you from providing negligent advice.
Further information on Business Insurance for Personal Trainers
Business insurance for personal trainers quick tips
If one of your clients ends up injured as a result of your training guidance or fitness advice, you could end up in hot water. PI insurance will protect you if someone is injured from your services and decides to sue.
If you own a physical business (e.g. a gym) and someone injures themselves on the equipment or even in the bathroom, public liability insurance can protect you. It also covers you on someone’s property elsewhere e.g a client’s home.
What would happen if you had an accident yourself and you could no demonstrate proper form to your clients? Personal accident insurance can offer a source of income for a short period of time if you can’t do your job as a result of an accident.
Average cost based on historical costs using our engine.
Not every personal training work setup is the same. In general however, there are type of insurance you should keep an eye out for based on your circumstances.
You're employed by the gym or fitness venue
Most gyms provide some form of public liability insurance to cover you if you're under contract - although it's best to double check with your workplace, just in case. If you're a sole trader who rents out a space , you may need to get your own public liability insurance.
You're self-employed or have your own business
Bite the bullet and get public liability insurance. You'll thank yourself if something happens as you're effectively covered for most fitness activities (some ventures like boxing, swimming and self-defence etc may need specialist types of cover). Imagine running a cross-training session in the park and having one of your clients hurt themselves using your equipment. You could be held responsible in this situation.
Another form of cover to consider is professional indemnity insurance. This helps for situations where you provide negligent advice or service that causes your client to suffer a "loss". If you offer advice or service to your clients and you happen to make an error that leads to your client suffering a loss, you may be found liable and forced to pay damagesBack to top
As a fitness instructor or personal trainer, you provide advice and service to your customers on a daily basis such as about diet, home exercise programs, or a cardio or weights regime.
Your responsible for your service or advice - PII covers this
If a client or another third party alleges that your professional advice or service was
- Or misleading,
and resulted in them suffering a loss, they may file a claim that you have breached your duty as a professional.
You hope it never happens, but if it does you'll want to be covered
You may think this is highly unlikely to ever happen, but all it takes is one disgruntled client to cause a whole lot of damage to your business. Even a law suit that is based on false allegations, can end up costing a significant amount of time, money and stress. Professional indemnity insurance can cover:
- Defending yourself against a lawsuit
- Any compensation you are required to pay.
Having this cover in place gives you the confidence you need to survive any legal action and leave you to focus on the more important things like running your business.Back to top
If you work in an occupation where members of the public visit your home or business, or where they visit members of the public at their residence, then it is highly recommended that you have this kind of cover. E
Key examples: PLI covers a whole range of claims
Your clients could claim that you:
- Did not provide adequate supervision,
- Did not properly maintain equipment,
- Provide proper instruction for its use,
- Or even that you sexually harassed them.
This is why public liability insurance is such a good idea. Defending yourself against such claims can be incredibly costly and time-consuming, not to mention stressful. Even if the client's claim is completely false, a lawsuit is still an expensive endeavour.
Public liability can help alleviate some of the stress of the situation.Back to top
Personal Trainer Insurance General Exclusions
As with any cover, a range of exclusions apply to personal trainer business insurance policies. Exclusions can differ from one policy to the next, but most policies will typically not cover:
- Liability for damages or awards that are exemplary or punitive in nature
- Claims for loss or damage resulting from acts of war, invasion, civil war, rebellion, revolution or insurrection
- Claims related to any nuclear incidents or radioactive contamination
- Liability assumed by the insured under any contract
- Loss, damage, liability or expense covered under any other insurance policy
- Claims relating to acts of terrorism
- Claims related to asbestos in any way
- Claims arising from activities unconnected with your profession
- Claims connected to fitness professionals who are owners/operators of commercial fitness facilities
- Fitness professionals who have employees
- Fitness professionals who sell or hire fitness machinery
- Claims related to swimming teachers and instructors
- Internet operations including the sale of products.
If you're a personal trainer, then it's likely that you can get income protection. A good way to get covered is to speak to an adviser.Back to top
Personal Trainer Insurance FAQs
Business insurance is an essential consideration for all companies and the unique risks that personal trainers face make taking out some form of cover a must. Having public liability and professional indemnity cover in place offers peace of mind and can help secure the financial future of your business.
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