Specialist Fitness Class Insurance

Participant insurance  

• Public Liability – up to £10m for accidental bodily injury to another person or damage to third-party property 
• Personal Accident – up to £50k of cover for accidental injury or death, dental treatment, and more whilst participating in fitness classes  
• Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies 
• Theft, loss and damage to equipment 
• Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours 

Fitness class instructor insurance

• Professional Indemnity – up to £5m 
• Employers’ Liability  
• Public Liability – up to £10m for accidental bodily injury to another person or damage to third-party property 
• Personal Accident – covers accidental injury or death, dental treatment, and more following an accident 
• Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies 
• Theft, loss and damage to equipment 
• Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours 

• Worldwide cover up to 180 days per year 

• Any claims not arising from participating in fitness classes 
• Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of participating in fitness classes) 
• Loss or theft of any equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage 
• Any claims for equipment without evidence of ownership  
• Theft, loss or damage to mobile phones 

For more information, visit our Important Documents page.