A Coronavirus Update For Personal Trainers And Fitness Instructors

Indoor gyms across England are set to reopen on July 25.

As such, we’ve received numerous questions around what people are and aren’t covered for. We’ve also had several messages from people asking if they’re covered to train clients outdoors.

If you’re a personal trainer or fitness instructor and want to know what the rules are, you’re in the right place. This article lists the most common questions we’ve received and explain what you should do.

I’m a personal trainer/fitness instructor in England. What does the Government’s announcement mean for me?

Following the latest Government update, we can now confirm that fitness instructors and personal trainers in England are permitted to run outdoor group exercise classes for up to 30 people (29 participants and the instructor).

Please note, this is currently the case in England only. You must ensure that you continue to follow the restrictions relevant to your local area if you do not operate in England.

This only applies if you are a business and you comply with Covid-19 Secure guidelines. You will also need to carry out a specific Covid-19 risk assessment which takes into account the measures stipulated by the Government.

These include:

  • Providing cleaning materials for participants to use
  • Staggering arrival and departure times at the session
  • Ensuring that a safe distance is maintained at all times throughout.

You must also keep a record of who attended the session for 21 days following, to facilitate track and trace if necessary.

If you are following the Government guidelines, you will be covered by your insurance.

You can check out the latest guidance on how to provide a safe environment for your clients in section four of this article.

Outdoor training is permitted in other parts of the UK. If you’re based in Wales, Scotland or Northern Ireland, click one of the links for futher information.

What about local restrictions?

There are a variety of restrictions relevant to specific areas within England that you’ll need to adhere to if you live or work there.

Yesterday’s announcement (30th July) came as a surprise to many people and there is still limited Government guidance. We expect further clarification to follow over the next few days.

Are gyms still allowed to open?

In most cases, yes. People are still able to go to the gym in the affected areas, but should only visit with members of their own household. Gyms are still not allowed to open in Blackburn & Darwen or Bradford.

Can I still provide outdoor classes?

In some cases, yes. It seems you are not allowed to provide classes in private gardens in the affected areas. However, the existing national guidelines still apply to outdoor public spaces, i.e. you can meet in groups of up to six people (including yourself).

It remains unclear at this stage whether the previously announced guidelines for larger outdoor gatherings (Guidance for the public on the phased return of outdoor sport and recreation in England) are affected by the latest announcement but we are monitoring the situation and will update you when more information becomes available.

Can I train clients online?

Where previously we only covered you to teach up to 6 people in an online session, regardless of the ratio outlined in your Insurance Scope, we have now enhanced this cover so that the coach to participant ratio for your sport now applies to online sessions. However, where the ratio is Unlimited, this will be a ratio of 1:30 for online sessions, which means you can teach up to 30 participants in one session.

These enhancements apply to all sports in Risk Group A, as well as non-contact Martial Arts sports. Please check your Insurance Scope to make sure your sport falls into this category before training clients in this way.

Am I covered for holding indoor classes from 25th July?

You’re covered as long as you’re following the Government advice around social distancing and complying with the appropriate policy terms and conditions. If you’re unsure about how many people you can train at any one time, please refer to the advice given by the Government, fitness governing bodies or your local council.

Am I covered if someone I train with gets coronavirus?

Some personal trainers and fitness instructors have asked us if they’re covered under Loss of Earnings if one of their class members gets coronavirus and they have to self-isolate.

Unfortunately, Loss of Earnings only covers you for physical injuries sustained while carrying out the activity for which you’re insured. It doesn’t cover you for personal illness or consequent income loss from quarantine procedures.

What other guidelines should I be aware of?

When participating in training or coaching, you should avoid:

  • Touching surfaces
  • Sharing equipment
  • Touching your mouth and face

Hopefully, the above answers your query. However, if you have a separate question, you have a couple of options…

If you’re an existing Insure4Sport policyholder

  1. Log in to your online account. Here, you can access your insurance documentation and find out about the conditions of your policy.
  2. If you’re still unsure, you can call us on 0333 400 9429 or email us at admin@insure4sport.co.uk (Monday – Friday, 9am – 5:30pm).

If you’re not an Insure4Sport policyholder

  1. You can build your own quote in a few minutes here. As you build the quote, it will explain to you what you’re covered for.
  2. If you have any questions about what we’ll cover you for which you’d rather discuss over the phone, you can call us on 0800 158 5530.

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