A Coronavirus Update For Our Policyholders

With the country back into lockdown, personal trainers and fitness instructors across the UK will be wondering how this affects their business.

If you’re one of them, we’ve got you covered. This blog clearly explains what you are and aren’t covered for under our insurance and gives you advice on next steps if you’re still unsure about anything.

Can I train with clients indoors?

No, you’re not legally permitted to train clients in any indoor setting while the country is in lockdown. Therefore, we won’t cover you if a claim is made against you by a client who you trained with indoors.

Can I train with clients outdoors?

Yes, if you’re a personal trainer, we’ll cover you to train one-to-one in an outdoor public place such as:

  • Parks
  • Beaches
  • Countryside which is accessible to the public
  • Forests
  • Public gardens (regardless of whether or not you pay to enter them)
  • The grounds of a heritage site
  • Playgrounds

Please note that you cannot train with a client in a garden, as this is not a public space.

Can I use my own equipment for PT sessions?

Here are the rules for each region:

  • England: Where possible you should run sessions without using equipment, or the client should provide their own. If you need to provide equipment to one of your clients, you need to ensure that it’s been thoroughly sanitised before and after each use and that you maintain social distancing at all times.
  • Scotland: TBC
  • Wales and Northern Ireland: N/A

What are the rules around training clients outdoors?

You must stay 2 metres apart from your client, and if you’re any closer than this then masks should be worn.

However, unlike the last lockdown, there’s no time limit on how long a person can exercise outdoors for.

Can I train multiple clients per day?

Yes, our current understanding is that you can. Although the rules for everyday citizens are that you can only go outside for exercise once a day with someone from another household, this doesn’t apply to personal trainers as you’re working, not exercising.

Therefore, if you’re working in a COVID-secure manner and environment, i.e., an outdoor public space specified above, you’re free to train multiple clients per day. This is based on the initial information published by the government.

However, you can’t train with the same person more than once on the same day, for the reason mentioned above (that people aren’t supposed to go outside more than once for exercise).

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. Terms and conditions apply.

If you’re a pole fitness or pole dancing instructor, click here for more information.

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.

Is there anything else I need to know?

When participating in training or coaching, you should avoid:

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

If you’re still unsure about anything, here are a couple of steps you can take.

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.

We hope that as many of you as possible can continue to train during this difficult time.

3 Blog Comments

  • James

    It’s a confusing time, so thanks for shedding some light on this. The restrictions can be challenging but people do need an outlet for exercise. Getting enough exercise is about more than just getting in shape, it can have a massive impact on our mental wellbeing too.

    Reply to James
    • Insure4Sport

      Hi Rachel,

      Great! You’re in the right place. You can phone 0800 158 5530 or get a quote here if you want to get covered with us.

      Reply to Insure4Sport

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