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Persontal Trainer Overview & Pricing Overview & Pricing Why do I need Insurance? Why do I need Insurance? FAQs FAQs Example Policy Schedule Example Policy Schedule Multi Sport Cover Multi Sport Cover

As a Personal Trainer you have a duty of care to your clients. You need to provide training and bespoke plans, helping them to get fit but also giving them advice on doing so in a safe manner. Accidents can and do happen; insure4sport is here to offer the most comprehensive personal trainer insurance and to ensure that you and any classes you take or any equipment you use are covered. Read more

Overview & Pricing Overview & Pricing Why do I need Insurance? Why do I need Insurance? FAQs FAQs Example Policy Schedule Example Policy Schedule Multi Sport Cover Multi Sport Cover
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We specialise in providing insurance cover for coaches, trainers and instructors, and all of our policies can be tailored to your needs. Our Sports Liability offers Public Liability protection up to £10m and includes Professional Indemnity. We offer additional cover extensions to include Personal Accident, Loss of Earning, Sports Equipment and Sports Liability cover. Read more

Fitness & Dance Class Instructors provide tuition for each member of their class. They have a duty of care to every member to make sure that moves are executed correctly and the advice given is correct, all within a safe environment. Accidents do happen; insure4sport offers Public Liability insurance of up to £10m with £1m Professional Indemnity included. We can also cover you for Personal Accident as well as your Sports Equipment. Read more

We provide specialist cover for those taking part in fitness and dance classes. With the energy and intensity levels high in many of these classes’ accidents can happen. Our Personal Accident cover includes physiotherapy, hospitalisation and broken bone cover as well as offering Loss of Earnings, Sports Equipment and Sports Liability. Read more

Overview & Pricing Overview & Pricing Why do I need Insurance? Why do I need Insurance? FAQs FAQs Example Policy Schedule Example Policy Schedule
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We specialise in providing insurance cover for amateur teams with over 60 different team sports to select from. We have a range of fixed price cover options, including Personal Accident, Loss of Earnings, Sports Equipment and Sports Liability cover, which includes Public Liability and Professional Indemnity. Read more

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Overview & Pricing Overview & Pricing Why do I need Insurance? Why do I need Insurance? FAQs FAQs Example Policy Schedule Example Policy Schedule Multi Sport CoverMulti Sports Cover
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We provide specialist cover for amateur sports people and fitness enthusiasts, with over 200 of the most popular sports and fitness activities covered from aerobics to football to water skiing. insure4sport player insurance covers you for a range of different sports and activities not just your primary sport. Read more

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Get insured online now or call our UK-based Customer Service Team
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Specialist sports insurance for Fitness & Dance Class Participants - annual policies from just £11.99
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YOUR QUOTE

Sports Liability £49.99
Personal Accident £0.00
Loss of Earnings £0.00
Sports Equipment £0.00
Territory Extension £0.00
5% Online Discount -£2.50
Total Premium £47.49
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Choose your level of cover below:

As a Fitness Class Instructor, you will be dealing with members of the public on a regular basis and it is therefore essential that you protect yourself against costly claims that may arise from third party personal injury, property damage or incorrect advice given, where you have been found to be negligent. You have a duty of care for all clients you instruct and by having a specialist Fitness Class Instructor policy, you will feel confident that you can provide training advice and care for each member of your class, whilst helping them get fit , all in a safe manner.

Sports Liability [i] Sports liability includes Public Liability Insurance and £1m Professional Indemnity insurance. Public Liability Insurance covers you for third party injury or damage to property. Professional Indemnity Insurance protects you from legal action following advice given.
Public Liability
up to
£1 million £2 million £5 million £10 million
Professional
Indemnity Watch video
up to
£1 Million £1 Million £1 Million £1 Million
Premium £49.99 £54.99 £59.99 £69.99
Select
Single or Multi-Party Policy
Policy Type Single Multi-Party
Select   No. of Fitness Instructors
you wish to insure:


Additional cover options:


Personal Accident [i] Optional Personal Accident Insurance (sometimes referred to as Sports Accident Insurance) ensures that should an accident occur whilst carrying out the activities for which you are insured you will be entitled to compensation.

insure4sport provides a benefit for Accidental Death, Permanent Disablement, Loss of Limbs and Sight up to £50,000. Plus there is cover in place should you require Physiotherapy or Emergency Dental Treatment. We will also financially compensate you should you require a hospital stay or break a bone.
Death [i]
up to
In the event of Accidental Death whilst carrying out the activity which you are insured a benefit will be payable. The following percentage of the sums insured applies:

Death of Insured Person(s) aged 18 years and over: 100%
Death of Insured Person(s) aged less than 18 years: 20%
£10,000 £25,000 £50,000
Disablement [i]
up to
In the event of total and Permanent Disablement whilst carrying out the activity which you are insured, you will receive a payable benefit up to the amount listed on your schedule. We will also pay 20% of the applicable benefit should you become totally and permanently disabled as a result of bodily injury whilst travelling to or from the event in which you are insured.
£10,000 £25,000 £50,000
Loss of sight [i]
up to
In the event of total and irrecoverable loss of use of sight in both eyes (50% of benefit applies for loss of sight in one eye) whilst carrying out the activity which you are insured you will receive a payable benefit up to the amount listed on your schedule.

We will also pay 20% of the applicable benefit should you become totally and permanently disabled as a result of bodily injury whilst travelling to or from the event in which you are insured.
£10,000 £25,000 £50,000
Loss of limbs [i]
up to
In the event of total and irrecoverable loss of use of both hands and/or both feet (50% of benefit applies for one hand and/or one foot) whilst carrying out the activity which you are insured you will receive a payable benefit up to the amount listed on your schedule.

We will also pay 20% of the applicable benefit should you become totally and permanently disabled as a result of bodily injury whilst travelling to or from the event in which you are insured.
£10,000 £25,000 £50,000
Physio Cover [i]
up to
Cover for Non National Health expenses incurred whilst carrying out the activity which you are insured. There is an excess of 25% of claimed amount on this section.
£150 £300 £500
Broken Bones [i]
up to
Provides financial compensation should you fracture or break one or more of the bones listed below which necessitates a cast applied by a hospital or clinic. The cover is only in place whilst carrying out the activity which you are insured.

Arm (Humerus, Radius, Ulna) or Wrist (carpals), Leg (Femur, Tibia, Fibula), Ankle (Tarsals) or Kneecap (Patella).
£75 £150 £250
Hospitalisation [i]
per day
Provides daily financial compensation should you be admitted to hospital as an in-patient (for not less than 24 hours) as result of having sustained a bodily injury whilst carrying out the activity which you are insured.
£0 £30 £30
Emergency Dental [i]
up to
Cover for Non National Health expenses in respect of damage to sound whole teeth only. The cover is only in place whilst carrying out the activity which you are insured. There is an excess of 50% of claimed amount on this section.
£100 £175 £250
Premium £10.00 £15.00 £20.00
Select
I don't want this cover  
Loss of Earnings [i] Optional Provides financial support should you receive an injury whilst carrying out the activity which you are insured and you are unable to work. The maximum benefit period for this cover is 52 weeks. There is an excess of 14 days on this section.
Weekly Allowance £175 £250
Premium £20.00 £25.00
Select
I don't want this cover  
Equipment [i] Optional Watch video Provides protection against loss of, theft or damage to your valuable sports equipment should the unthinkable happen. Cover for items less than a year old is on a new for old basis. A single article limit of £250 applies with a maximum sum insured of £2,000 at anyone venue or in the custody and control of any one individual.
Cover
up to
£250 £500 £1000 £2000
Premium £10.00 £18.00 £35.00 £65.00
Select
I don't want this cover  
Territories [i] All insure4sport policies cover the UK excluding Northern Ireland. Should you require cover outside of this area you can upgrade for an additional premium. You must however be a UK resident.
Territory UK
(excl. NI)
UK
(incl. NI)
Europe Worldwide
Premium £0.00 £16.66 £25.00 £34.99
Select
Sir Clive Woodward      Being properly prepared is the
key to success. Choosing the right
insurance should be a key part of
your preparation
Sir Clive Woodward
World Cup Winning Head Coach of England
Rugby Union and insure4sport Ambassador
More Information

Why do I need insurance?

  • During a class a pupil damages equipment at a venue you are using.
    - Covered Under Public Liability [i]Public Liability Insurance covers you for third party injury or damage to property.
  • A specific action you teach may be brought into question should a client suffer an injury resulting from your advice or instruction.
    - Covered Under Professional Indemnity [i]Professional Indemnity Insurance protects you from legal action following advice given.
  • You may suffer injury during a session which means you can’t work (and earn) for a period of time.
    - Cover Available Under Loss Of Earnings [i]Provides financial support should you receive an injury whilst carrying out the activity which you are insured and you are unable to work. The maximum benefit period for this cover is 52 weeks. There is an excess of 14 days on this section.
  • You may injure yourself during a session and require physio treatment.
    - Cover Available Under Personal Accident [i]Personal Accident Insurance (sometimes referred to as Sports Accident Insurance) ensures that should an accident occur whilst carrying out the activities for which you are insured you will be entitled to compensation.

    insure4sport provides a benefit for Accidental Death, Permanent Disablement, Loss of Limbs and Sight up to £50,000. Plus there is cover in place should you require Physiotherapy or Emergency Dental Treatment. We will also financially compensate you should you require a hospital stay or break a bone.
  • Your equipment needed to teach may get damaged lost or stolen.
    - Cover Available Under Sports Equipment [i]Provides protection against loss of, theft or damage to your valuable sports equipment should the unthinkable happen. Cover for items less than a year old is on a new for old basis. A single article limit of £250 applies with a maximum sum insured of £2,000 at anyone venue or in the custody and control of any one individual.
  • One of your employees seriously injures themselves during a coaching drill and claims compensation from you.
    - Cover Available under Employers Liability [i]Employers Liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site. If you are a business or employee people this is a legal requirement.

    If you employee volunteers you should still select the option but leave the wage roll values clear.

FAQs


Who underwrites the insurance policy?
insure4sport is underwritten by Sportscover, one of the world's leading specialist sports and leisure insurers. Sportscover has its own specialist Lloyd's of London insurance syndicate, Sportscover Syndicate 3334 SCS. That means that you have first class security when you purchase an insure4sport policy.

I live outside of the UK can I purchase a policy from you?
No, we can only cover UK residents.

I sometimes teach overseas, can I include this?
Yes. We have four different territories you can choose from and unlike some other insurance policies we can cover USA and Canada. You must be a resident of the UK.

What does the insurance scope and sports category mean?
All sports are categorised dependent on risk A-D (A being the lowest). The higher the category your sport is the more you are covered for. You can see a full list of the sports and categories covered by clicking on page two of the example policy schedule.

Do I have to take out an annual policy?
Yes we only offer annual policies.

What is Sports Liability?
Sports Liability includes Public Liability and Professional Indemnity. Public Liability Insurance provides cover for claims made against you in respect of your legal liability to pay for personal injury and/or damage to premises you lease or rent. Professional Indemnity will provide cover for claims made against you arising from your legal liability for errors or mistakes in the advice or services you may provide or offer.

How much public liability insurance do I need to take out?
It depends where you need it for, some venues will insist on an ‘at least’ value.

Does the Professional Indemnity insurance cover online advice?
No, our indemnity insurance would cover face to face insurance only. We cannot cover online tuition or fitness videos.

What does the Personal Accident Insurance cover?
There are three different tiers you can choose from with differing levels of cover. Cover available includes death and disablement benefit, loss of limbs and sight, physio, hospitalisation compensation for broken bones and emergency dental.

I teach various classes one of the classes is not listed?
We are continually improving our offering, and therefore should be able to offer you the cover you require. If you can’t find the class on the list either use the search facility or email us at admin@insure4sport.com. Alternatively please call us on 0800 158 5530.

I am newly qualified, will this affect my premium?
No, as long as you hold a qualification recognised by the UK National Governing Body for the Sport coached or instructed as selected on your application.

I’m not a full time Fitness/Dance Class Instructor, I just do it in my spare time, do I still need insurance?
It is an unfortunate fact of life that accidents happen. And in some cases the injured party may wish to pursue a claim for compensation. Although you may not be specifically at fault you could be liable to pay costly legal fees and damages. In fact you may find that some organisations (schools and colleges particularly) insist that you have relevant qualifications, security checks and insurance cover before being allowed to train.

I don’t hold the recognised qualification, is there any way I can benefit from insurance cover?
Any person requiring insurance must be qualified to a minimum standard by a recognised body or have written approval from insure4sport that they can be covered.

As well as taking fitness classes I also coach different sports can I be covered on the same policy?
Absolutely, we categorise our sports dependent on risk (A-D) and you will be insured for all sports within that category and the lesser risk categories. A Fitness Class Instructor policy is category A so in addition to classes you can coach all sports within this category as well.

If as a Fitness Class instructor you also coached Lacrosse which is a category C sport you would need to select a coaches policy and choose Lacrosse, this would allow you to coach all sports with categories A, B & C. Important – you must have the relevant qualification to coach or teach.

What sports do you cover?
We have worked hard to ensure that the most popular participation sports and classes in the UK are covered under our scheme such as Aerobics, Boxercise, Spinning and Zumba, alongside some that you may not be so familiar with like Buggy Fit, Friskis and Svettis and Pole Fitness. Click here to view the full list.

I would like to insure more than one person on the policy, is this possible?
Yes, insure4sport specialist sports insurance policies are designed to offer you a more personalised insurance service. You can add an unlimited number to your policy.

Can I instruct at home or in a public area e.g. park?
Yes, if your home has passed the relevant health and safety checks and is suitable for the exercises you are teaching. If you want to take classes in your garden, providing you have enough space and you have completed a risk assessment each time this would be acceptable.

To instruct in an outside area e.g. a park, you are required to carry out a brief risk assessment each time e.g. checking the ground is in a suitable condition and ensuring there are no obstacles/items in the way.

Is there an any age restriction on this policy?
We insure persons of any age however; there is limited benefit on Personal Accident for those under 18 and over 65.

Is there any age restrictions placed on the people I work with?
No, as long as you have the relevant qualification we can insure you.

Can I take pre and post natal fitness classes?
Yes subject to the activity not being against medical advice.

What is the Fitness Class Instructor to participant ratio?
If the ratio is 1:6 there must be 1 instructor for every 6 participants. If there are 7 participants the instructor must have another person present to help out with the session. They do not need to be an instructor but they must be responsible to you.

I teach sport to less able bodied people do I need to declare this with you?
No, you do not need to declare this when taking out a policy.

Can I give nutritional advice?
No.

Is sports equipment replaced on a new for old basis?
Yes for items purchased which are less than a year old subject to satisfactory proof of ownership. Items older than one year will be replaced on the indemnity value of that equipment at the time of loss or damage.

Do you offer credit facilities?
No. Full payment is required on policy inception.

What if my circumstances change?
You must notify us as soon as possible of any change in circumstance that may affect your insurance. Simply call us on 0800 158 5530 or write to Customer Services Department, insure4sport, The Royals, Altrincham Road, Manchester, M22 4BJ. If you fail to notify us of any changes in circumstances that then give rise to a claim it could invalidate your insurance.

We would like to upgrade the insurance mid-term, can this be done?
Yes, you can do this online by signing in or by calling our call centre on 0800 158 5530.

What do I do if I need to make a claim?
All the details are in your policy documents, however should you need to make a claim, you can download the relevant claims form by clicking here.

Is there any excess to pay in the event of a claim?
An excess is only applicable to Personal Accident claims relating to Medical Expenses, Physiotherapy, Loss of Income and Sports Equipment.

Example Insurance Schedule


Sample Policy Schedule Sample Policy Schedule

Insurance Summary


Public Liability Insurance
insure4sport Public Liability Insurance covers you for your legal liability to pay for personal injury and/or property damage claims made against you by members of the public.

insure4sport policies include Public Liability cover for the following eventualities:

- Damages or awards made to a third party
- Legal fees and expenses incurred in your defence
- Third party medical costs where the NHS is entitled to a claim

All insure4sport policies include Public Liability Insurance in order to protect you from potentially costly claims arising from third party personal injury, property loss or damage.

insure4sport offers Public Liability Insurance of up to £5 million for each and every incident/occurrence each and every year you are insured with us.

Professional Indemnity Insurance
insure4sport Professional Indemnity insurance protects you against claims arising from your legal liability.

insure4sport policies all offer professional indemnity insurance to ensure that any claims made against you arising from a negligent error or mistakes in the advice or services you provide to a customer, client, team mate or opponent are covered. Because of the nature of professional indemnity insurance it is recommended that there are no lapses in cover as it is essential that PI cover is in place at the time any error or mistake happens and at the time of any claim made against you.

insure4sport coaches and personal trainer policies automatically include (free of charge) £1 million worth of professional indemnity cover each year. For our teams and individual policies this is an optional extension.

insure4sport policies provide up to £1m limit of Indemnity for any one period of cover for Professional Indemnity Insurance each year and is automatically provided with Public Liability cover.

Personal Accident Insurance
Personal Accident Insurance (sometimes referred to as Sports Accident Insurance) ensures that should an accident occur whilst carrying out the activities for which you are insured you will be entitled to compensation.

insure4sport provides a benefit for Accidental Death and Permanent Disablement up to £25,000 and a contribution towards Medical Expenses and Physiotherapy up to £500, and Loss of Income up to £250 per week. We have extended this for teams and individuals to cover Broken Bones.

Sports Equipment Insurance
Those involved in sport spend a significant amount of money on their sports equipment, whether used for coaching, playing or for their team. Unfortunately statistics show that millions of pounds of sports equipment is stolen each year in the UK alone. It is therefore vital that if your sports equipment is stolen, lost, or damaged, you will be compensated. Our sports equipment replacement cover is on a ‘New for Old’ basis for items purchased which are less than a year old subject to satisfactory proof of ownership. Items older than one year will be replaced on the indemnity value of that equipment at the time of loss or damage.

insure4sport offers cover up to a maximum sum insured of £1,000 per coach/instructor or premises subject to a maximum single article limit of £250.

Please note that this is only a summary to the cover insure4sport can provide you and does not contain the full terms and conditions of the Insurance. Full details can be found in the Insurance Booklet.

Multi-Sports Cover

Fitness Class Instructor Insurance is Category A

insure4sport insurance policy allows the insured coach to instruct all sports up to and including their chosen insurance category on the condition that they are qualified to a minimum standard as recognised by the UK National Sport Governing Body for the sport(s) being instructed or otherwise agreed and recorded by us.

Category A Insurance you can instruct sports within category A only. Category B Insurance can instruct sports within category A and B only. Category C Insurance can instruct sports within category A, B & C only. Category D Insurance can instruct sports within all categories.

Category A

Angling - Athletics - Axeman - Badminton - Billiards - Bocce - Boccia - Bowls - Cheerleading - Chess - Childrens Multi-Sports - Croquet - Dance - Darts - Diving (Board) - Fitness Class Instructor - Goalball - Handball - Ice Skating - Inline Skating - Korfball - Marching - Netball - Nordic Walking - Octopush - Orienteering - Parachute Games (ground only) - Personal Trainer - Petanque - Powerlifting - Racquet Ball - Roller Skating - Rowing - Running - Snooker - Squash - Swimmers with disabilities - Swimming (open water) - Swimming (pool) - Synchronised Swimming - Table Tennis - T-ball - Ten Pin Bowling - Tennis - Touch Football - Touch Rugby - Ultimate Frisbee - Volleyball - Water Polo - Weight Lifting -

Fitness and Dance Classes - Category A

Martial Arts Based Fitness (Non Contact) Classes - Aerial Hoop Dancing - Aerial Silk Dancing - Aerobics - Aqua Zumba - Ballet Dancing - Ballet Fit - Belly Dancing - Body Combat (Non Contact) - Body Jam - Body Pump - Bokwa - Boot Camp - Boxercise - British Military Fitness - Buggy Fit - Burlesque Fit - Calisthenics - Chair Based Exercise - Chi-Yoga - Circuit Training - Contra Dancing - Country Dancing - Cross Fit - Fitball Classes - Flamenco Dancing - Folk Dancing - Hip Hop Fit - Hip-Hop Dancing - Hula Hoop Classes - Indian Club Swinging - Jazz Dancing - Jazzercise - Jumpstyle - Just Jhoom - Kanga Training - Latin Dancing - Latin Fit - Modern Dancing - Pilates - Pre & Post Natal Fitness Classes - Salsa Dancing - Salsa Fit - Skipping Classes - Spinning Classes - Street Dancing - Swing Dancing - Tai Chi - Tap Dancing - Tap Fit - Urban Dancing - Water Exercise - Yoga - Zumba - Zumba Gold - Zumba Toning - Zumbatonics - Exercise Class - Body Attack - Body Balance - Body Step - Body Vive - CX Work - Grit Cardio - Grit Plyo - Grit Strength - RPM - Sh'Bam - Insanity Workout - Fit Steps - Les Mills - Running (indoor, cross country, path, road) - Zumba in the Circuit - Zumba Sentao - Zumbini -

Personal Trainer - Category A

Exertrain Practitioner - Fitness FX - Friskis & Svettis - General Exercies Class - Gymnasium Instruction - Gyrotonic Instruction - Kettlebells - Personal Training - Powerplate - Rebounding - Sports Massage (not in isolation) - Thump Boxing - TRX Training - ViPR - Les Mills - Metafit - Running (indoor, cross country, path, road) -