As a personal trainer, it’s vital to protect yourself and your clients against a range of potential incidents and accidents by having personal trainer liability insurance. Without this cover, you would have to pay costly compensation claims out of your own pocket. Here’s an overview of what personal trainer liability insurance is and why it’s essential for protecting you and your business.
Types of personal trainer liability insurance
There are three main types of liability insurance for personal trainers:
• Public Liability
• Professional Indemnity
• Employers’ Liability
These types of cover protect you against injury to others and property damage. Let’s look at each type of cover in more detail…
What is Public Liability insurance and why do I need it?
Public Liability will protect you from claims made against you for injury to another person or property damage.
For example, if you were training a client and they damaged equipment at a gym you’re training in, the gym could hold you responsible. Likewise, if you were demonstrating an exercise to a client and they injured themselves by lifting too heavy a weight, they could deem you liable for their injuries.
In both instances, you would need Public Liability insurance to protect you against possible legal action and costly compensation claims. Plus most gyms and fitness centres won’t allow you to work on their premises without Public Liability insurance, such is its importance.
How much does Public Liability insurance cost for personal trainers?
At Insure4Sport, we offer personal trainers Public Liability insurance at the best possible price.
Personal trainers can choose from the following Public Liability insurance levels, which include a 10% introductory discount for new policyholders:
• £1 million of cover for £3.67 per month
• £2 million of cover for £4 per month
• £5 million of cover for £4.33 per month
• £10 million of cover for £5 per month
What is Professional Indemnity insurance and why do I need it?
If you give advice to clients, you should consider Professional Indemnity insurance. If a client suffers a sprain or bad back as a result of an exercise programme you have designed, they could consider you liable and make a claim against you. Thankfully, Professional Indemnity would cover your legal liability in this situation and pay out any claims on your behalf.
How much does Professional Indemnity insurance cost for personal trainers?
You’ll get £1 million Professional Indemnity insurance included FREE when you take out Public Liability with us.
What is Employers’ Liability insurance and why do I need it?
Employers’ Liability is a legal requirement if you employ other personal trainers or other people who work for your business. If someone you employ gets injured while working for you, they could hold you responsible, whether the incident took place on or off-site. As a result, you could be on the receiving end of a potentially costly compensation claim.
Having Employers’ Liability insurance means you’re protected against claims like this as the insurance would cover the cost of the pay-out – rather than it coming out of your bank account.
How much does Employers’ Liability insurance cost for personal trainers?
Our Employers’ Liability for personal trainers starts from £6.16 per month, or £73.92 per year.
However, how much you pay for Employers’ Liability depends on your wage bill across a number of areas, including clerical/managerial, coaches/instructors, players/participants and more. Most personal trainers’ wage bills are relatively low, as they employ other personal trainers either as volunteers or subcontractors.
Why should I get Insure4Sport’s personal trainer liability insurance?
Our personal trainer liability insurance gives you the best possible cover at the best possible price. What’s more, you can pay for your personal trainer liability insurance policy in monthly instalments. Unlike some of our competitors, we don’t charge any additional costs for monthly payments.