Whether you work on a full or part-time basis, in one gym or multiple, personal trainers need to consider having professional indemnity and public liability insurance in place. It can protect you if someone gets hurt and if you're accused of being negligent.
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.
Although your specific needs might vary, public liability and professional indemnity cover should be at the top of every personal trainer's list:
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.
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.
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 damages
Find out more about business insurance
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.
If a client or another third party alleges that your professional advice or service was
and resulted in them suffering a loss, they may file a claim that you have breached your duty as a professional.
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:
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.
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.
Your clients could claim that you:
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.
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:
Get a first look at the sweet new addition to Nike's React line.
For a running shoe that looks and feels like magic, look no further than the Nike React Infinity Flyknit sneaker.
Three out-of-this-world designs are set to arrive before the end of the month.
Find out when and where you can get your hands on the fierce new colourway to come from the Air Max 270 React.
This is why you need to try the sneaker technology in Nike's React style.
