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This all-in-one cover for sport and fitness instructors includes:
Malpractice – for physical or mental injury, illness or death of clients caused by your negligence or error.
Public liability – for physical damage and injuries caused by your business or the products you supply.
Can’t see what you need? Call us on 0345 216 0027 and we’ll talk it through.
Being a fitness instructor can be incredibly rewarding. Seeing people get fit, learn new skills, and reach their goals.
But have you ever thought about what could happen if a client overstretches themself? Or you cause an accident? A smashed-up smart watch, a nasty tumble over a bench. Things can go wrong in your line of work.
If someone suffers a bad injury and says it’s your fault, you’ll need to be fighting fit.
Having fitness professionals’ insurance is like having a personal cheerleader. Ready to stand in your corner and back you up when a claim has you clenching your glutes.
You’re likely to be in better shape than many of the people you teach. So, what if someone tries too hard to keep up and ends up causing themselves physical harm? Or reckons your fitness class has worsened an existing injury?
With so much activity happening under your watch, accidents are likely too. What if someone falls and breaks a bone in your Boxercise class? Or drops a heavy weight on their foot during a gym session?
The answer is, without insurance to help you, you’d be in serious hot water if someone made a claim for compensation. Your finances could sink rapidly, and your reputation will get a drenching too.
Even if you’ve done nothing wrong, it can cost to prove your innocence.
Fitness instructor insurance will act like a buoyancy aid. There to rescue you in your hour of need.
Public liability and malpractice insurance will cover all different kinds of instructors, including:
Unfortunately, we’re not able to cover equestrian activities, winter or water sports, anything involving a weapon, contact sports, aerial exercise activities, endurance sports, powerlifting, skating, boarding or blading.
Malpractice and public liability insurance (also called treatment and public liability) is the perfect package for fitness professionals.
Malpractice insurance covers you for claims of negligence. In other words, if you’re accused of not doing your job properly.
Public liability insurance covers you for those unpredictable little accidents. Someone tripping over some exercise equipment or falling down some steps for example.
There are a few other kinds of fitness instructor insurance you might want to think about too.
If you have a studio with lots of equipment, then you’ll need studio insurance. If you’re out on the road with your equipment, then portable equipment insurance is the one for you.
And if you employ anyone, you must have employers’ liability insurance (it’s the law).
Public liability (PL) covers you for third-party accidental injury and damage.
Say you leave out some equipment too near the door. Someone trips over it on their way out and breaks their wrist. PL will pay for a solicitor if you need one and pay any compensation owed to the unfortunate client.
Or it might be a something instead of a someone that gets damaged. Maybe you plonk down a heavy dumbbell onto a client’s phone. It’s obliterated. Big whoops.
Your public liability insurance will pay for your client’s phone to be fixed or replaced.
Ultimately, you have the same responsibility for the people you’re teaching online as you do for the ones you teach in person.
Just because there’s a physical barrier between you, it doesn’t distance you from the risks.
If you’re not up close and personal, it’s not as easy to supervise your clients’ every move. So thorough instructions are super important. And make sure you give various options for different levels of ability to avoid anyone pushing themselves beyond their capabilities.
You’ll need the same cover as those who are doing face to face – malpractice and public liability insurance.
Another type of fitness insurance you need to consider if you’re working online, is cyber insurance. If you’re the target of a cyber-attack, your business will be stopped in its tracks. You’ll have to let down paying customers. And facing a situation like that alone is no walk in the park.
With cyber insurance, you’ll have access to IT, legal and PR experts in the event of a crisis, who’ll help you piece things back together quickly. And help you recoup any losses.
That all depends on what activities you teach, who you teach and how often. There are other factors too, like where you do it and how much equipment you use.
Because you’re all individuals, doing your own thing, it’s hard to put an exact price on your insurance.
One thing’s for sure though - whatever you pay towards fitness professional insurance will always be cheaper than trying to handle a claim by yourself. Insurance claims are definitely not a solo sport.
We’re not just an insurance broker looking to get you the best deal. We like to flex our insurance knowledge. We’re able to offer expert advice. But without all the jargon.
And that’s just for starters.
There are loads of other great reasons to choose us.
Like our platinum-rated customer feedback. Our awesome refer a friend scheme. Our quick online quote journey. Easy account access. Real humans at the end of the phone.
Are we talking too much?
Sorry, it’s just that we really love what we do. And it shows.
Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a business insurance professional.
Did not waste our time looking elsewhere.