Who is this cover for?
If you’re a personal trainer, fitness or dance class instructor, you’ll be dealing with clients and members of the public on a regular basis, so it’s essential that you have the right insurance policy in place to protect yourself. With Insure4Sport you can tailor your policy and pick from a range of cover options including; Public Liability, Professional Indemnity, Personal Accident, Loss of Earnings, Equipment and Employers Liability.Get a quote
Why do I need specialist personal trainer and fitness instructor insurance?
Our specialist insurance for personal trainers is there to protect you from possible liability claims, damage, loss or theft of any sports equipment you own, plus loss of earnings in case you suffer personal injury resulting in you being unable to work. Personal trainers have a duty of care to their clients and for this reason all personal trainers should consider taking out a dedicated specialist personal trainer insurance policy. With Insure4Sport personal trainer insurance, you’re free to focus on what matters – helping your clients to achieve their goals.Take a look at the following examples of why every personal trainer should have specialist personal trainer insurance:
- Accidental damage occurs (by you or your client) to property at a venue you are using for your session.
- Your training techniques are questioned if a client suffers an injury following your advice or instruction.
- You suffer an injury during a session which means you can’t work and earn for a period of time.
- You injure yourself during a session and need physio treatment.
- Your valuable sports kit or equipment is damaged, lost or stolen.
- One of your employees seriously injures themselves whilst training a client and blame equipment provided by you.
Public Liability Insurance covers you for third party injury or damage to property.
Professional Indemnity Insurance protects you from legal action following advice given.
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.
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.
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 £2,500 and a £50 excess applies to all claims. Sports equipment excludes bicycles and bicycle accessories. This cover is however available through our bespoke bicycle product “Cycleplan”. Please visit www.cycleplan.co.uk for further information.
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.
Participant to Participant Liability provides cover if one of your participants/players injures another participant/player during a sport where tackles, scrums, mauls, or throws are permitted (e.g. football or MMA). If you’re a coach or instructor, and you are deemed liable, then you will be protected.
The sports we cover
We cover a range of activities under our Personal Trainer and Fitness Instructor insurance. Enter your main activities in the box below to check if we cover it, or go to our covered sports page to see a full list of sports.
What is multi-sports cover?We insure over 200 sports and activities, ranging from football and martial arts to aerial hoop dancing and zumba, and all of them fall into one of five risk groups. If you coach or instruct more than one sport or activity, and they fall within the same risk group or a lower risk group, then you’ll be insured to coach or instruct them on the same policy at no extra cost, providing you have the necessary qualifications recognised by the UK National Sport Governing Body, or otherwise agreed and recorded by us.
Need a bit more information? View our Insurance Scope for further details on which risk group your sports fit into.
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