As a personal trainer it is your duty to insure the care of yourself and the clients you work with from possible liability claims and equipment damage and is therefore important to look at the types of insurance you should have before proceeding.
It is worth mentioning that in most gym and health centres across the UK you will be required to hold personal insurance before they can allow you to work on the floor, so picking a good insurance provider that can offer you public liability insurance is essential.
Good providers like Fitness Industry Insurance can provide specialist insurance packages to personal trainers looking to protect themselves.
The types of insurance personal trainers should have are:
Public Liability
Having a public liability policy covers you for everything to keep the clients safe during sessions. It also provides protection for you and your clients for damages caused to property or if a client injures themselves during a session.
This type of insurance is pretty mandatory when it comes to practising as a PT and is the main insurance Gym & sports facility providers look for if you were to work on the gym floor.
A good provider should be able to offer cover of up to £10m of Public Liability.
Professional Indemnity Cover
Providing your clients with professional advice is all part of being a successful personal trainer however, even the most experienced trainers at times can provide incorrect information which potentially leads to accidents. For this reason alone it is important for you to have a professional indemnity insurance policy.
For example, if for instance a client was to incur an injury in response to some incorrect advice you had given then there would be a claim to make for negligence on the clients part simply for bad advice being taken.
Ensure that you are protected by covering yourself for up to £1m of Professional Indemnity Insurance.
Sport Equipment Insurance
Personal Trainers can rely heavily on their sports equipment which is why at it is important to find a policy which ensures you are covered with a maximum value for one item of up to £2,500.
For example, if you were to have equipment stolen, lost or damaged then sports equipment insurance would be able to compensate you for the loss incurred, helping you to replace the items to allow you to work - so is definitely worth thinking about!
Personal Accident Insurance
In the world of personal training it is common for injuries to occur which is why adding Personal Accident Insurance to your policy is crucial. A good provider should be able to cover you for up to £50,000 for things like physiotherapy or dental care and provide compensation if you were to ever suffer accidental death or permanent disability.
Employers’ Liability Cover
As a successful personal trainer there may become a time where you need to employ staff and if you do so you must ensure they are covered through employers’ liability insurance. This type of insurance is mandatory from day one of hiring staff and is now a legal requirement in the uk
This type of insurance ensures your staff are covered for accidents and injuries whilst at work.
There are of course an endless list of possible insurance policies Personal Trainers could take out, but those are our top suggestions for any PTs looking to fully protect themselves, their business and their clients' wellbeing. We are able to provide all of these insurance options with bespoke policies tailored to your own needs so if you're in need of Personal Trainer Insurance then please be sure to get in touch and we'll be glad to help!
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