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As a personal trainer working with clients on a daily basis, it’s important to protect yourself against costly claims that may arise from personal injuries or damage to property.
There are over 19,000 personal trainers in the UK, but with ‘no win, no fee’ solicitors at every corner, trainers can find themselves vulnerable to potential claims and lawsuits. So for just a few pounds a year, it is worth getting personal trainer insurance to protect your livelihood.
At Be Wiser Business Insurance, we can offer insurance for:
Our policies are made specifically to your needs. By speaking to one of our insurance advisors on 0333 999 0802, we will get a better idea of how you run your business and recommend the right level of cover for you.
One of the main challenges of being a trainer is being held responsible for injuries and other damages. Although you never wish to cause harm to your clients, because you are in an industry where customers are prone to injury or health complications, they may wish to take legal action if they think you are liable. So whether its hamstring injuries, bad pain due to heavy lifting or health issues, you want to be prepared for anything.
Public liability: This type of cover protects you against any damages to members of the public or public property. For instance, if a client gets badly injured during your session or suffers a heart attack, they may hold you responsible and file a lawsuit. Another example could involve taking equipment into a client’s home and knocking over an expensive ornament.
Your public liability insurance will pay for any legal fees, compensation, medical bills and time off work for the customer. Although you personal trainer insurance premium is less than £100 per year, you can choose up to £10 million worth of public liability cover, which is based on the potential risks involved.
Professional indemnity: A key part of your job is giving your health, fitness and nutrition expertise. But if the client’s wellbeing takes a drastic downturn as a result of your advice, they may wish to take legal action against you.
Although you have the best intentions, you can never be sure when your advice will have an adverse effect and even if you are found negligent, your professional indemnity cover of up to £1 million can go towards settling compensation claims, medical fees and legal expenses.
Dumbbells, bosu balls, cables, boxing bags and more, your equipment is essential to running sessions with your clients. In case anything gets lost or stolen, your insurance policy can reimburse you for buying replacement equipment.
This will limit any interruption for your business and you can simply continue working and earning as normal. Make sure you keep a record of all your gear and tell your insurer about it so that you can claim accordingly.
As a personal trainer or instructor, you need to be physically fit to run sessions on a daily basis. But similarly, if you suffer a bad injury or health complications and find that you are unable to work, you will lose your regular income.
However, you can insure yourself with income protection or business interruption insurance so that if anything happens to stop you working, you can claim to your insurer and still receive a regular income.