Understanding Personal Trainer Insurance
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Personal training is a thriving industry with great growth prospects over the next five years.
As demand for your skills grows, the need to ensure your personal trainer business remains protected. One way to do this is to invest in personal trainer insurance.
Personal trainer insurance refers to professional indemnity insurance and public and products liability insurance for personal trainers to protect their occupation and fitness business.
This article will delve into the following topics related to personal trainer specific professional indemnity insurance and public and products liability insurance in Australia:
- Benefits of personal trainer insurance
- What does upcover’s personal trainer insurance cover?
- What could go wrong: Personal Trainer Vulnerabilities
Benefits of personal trainer insurance
Boost your employment prospects: A quick look at some personal trainer job requirements on LinkedIn and Seek will show you that having professional indemnity insurance for personal trainers is a must-have for many employers. Public and product liability insurance for personal trainers may also be needed when applying for a job.
Critical for freelancers, contractors: Personal trainers working as freelancers, part time fitness instructors and contractors may not be covered by their gyms for professional errors or mistakes that might lead to client injuries or loss. For contractor personal trainers, investing in professional indemnity and products and public liability insurance becomes even more critical.
Proof of insurance: It may be required to show proof of insurance that confirms you’ve got the required professional indemnity and public and products liability ready at fingertips. If you have this, it’ll be more easy to find places to work, and clients may find it reassuring to work with you.
Legal costs: Your professional indemnity insurance may cover the legal costs of a lawsuit or if a formal complaint is mate. Professional indemnity could also cover settlement costs, and investigation costs.
Out of court settlements: Your personal trainer professional indemnity policy may cover out of court settlements.
A safety net: Wouldn’t you be best knowing you’ve got your back covered with insurance in case a mishap were to occur? Nobody plans on making mistakes but it shouldn’t mean your professional life or financial wellbeing should suffer.
Focus more on your business activities: Knowing you’ve taken steps to improve your financial safety also allows you to put all your efforts in taking your business to greater heights as opposed to second guessing every decision you take.
What insurance does upcover offer personal trainers?
Under upcover’s personal trainer policy, both professional indemnity and public and products liability insurance are covered.
What is professional indemnity?
Professional indemnity insurance protects you for claims made against your personal training business in the course of providing your professional services in Australia.
What this means is - professional indemnity comes into picture if your client sues you over something you allegedly did in the course of offering your personal trainer services that has resulted in some harm or financial loss to your client.
Professional indemnity also covers you if a client sues you over something you were supposed to do but allegedly did not do. For example, not correcting your client’s exercise posture may lead to long term injury of your client, and medical treatment and expenses that they may want you to pay for.
What is public and product liability?
Public liability insurance protects you against any liability if someone is injured on your premises or while you are providing your services. Someone slipping and falling over a puddle of water and sustaining injuries may blame you for not maintaining safety on your premises.
Products liability insurance protects you for claims made against any products you sell or supply to a third party in Australia. This might be a claim arising from a faulty product that injured someone.
Specifically, the personal trainer professional indemnity and public and products liability insurance covers the following events:
- Third party physical Injury
- Trips, Slips and Falls
- Error of Judgment
- Bad Professional Advice
- Third Party Property Damage
Check out upcover’s <personal trainer insurance> policy. Get an instant quote in seconds and get covered with professional indemnity and public and product liability insurance in minutes!
What could go wrong: Personal Trainer Vulnerabilities
Plenty! Let’s say you’re a personal trainer and during a weights training session with a client, accidentally drop a 5kg slam ball fracturing their ankle.
To get more information, check out some situations where personal training could go wrong!
What could you be sued for?
The list isn’t exhaustive but should give you a general idea
• Covering medical costs (current and future) for a client that is injured
• Loss of income when the client is off work
• Loss of a client's earning capacity when the client is off work
• Additional compensation if the damage to the client is permanent/long-lasting
• Mental trauma, pain and suffering of the client from the injury.
Get your instant quote today! Check out upcover’s personal trainer insurance cover!
Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at www.upcover.com and consider whether it's appropriate before making any decisions about whether to buy a product.