Insurance FAQ’S

Professional Indemnity for fitness instructors is designed to cover claims arising from the provision of your services, such as allegations of treatment error, omission or advice causing your client financial loss.

Public Liability insurance is designed to cover claims where a client or member of the public is injured or their property is damaged as a result of the services you provide. While it is not a legal requirement for fitness instructors in Australia, it is commonly held by fitness instructors across Australia. Many clients, venues and booking platforms may require you to hold a current Public Liability policy before they will engage your services. Without this type of cover, you could be personally liable for legal costs and compensation claims. Speaking with an insurance broker can help you understand whether Public Liability cover is appropriate for your circumstances.

You should notify your insurer as soon as you become aware of a claim or circumstance that may give rise to a claim which could include a client complaint, you discovering an incident or an allegation of harm. Claims should be made in writing and handled in line with the claims notification requirements which will be outlined in your policy wording.