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FITNESS PROFESSIONAL INSURANCE

Professional indemnity and public liability insurance to help you stay covered against the accidents

INSURANCE FOR FITNESS CENTRES, GYMS & PERSONAL TRAINING BUSINESSES

Whether you are a Personal Trainer, Group Fitness Instructor, or a CrossFit guru, choosing the right professional insurance cover for your individual needs is essential. Gym Insurance HQ can help with affordable and effective insurance solutions. Just like a tailored workout program for your clients, our fitness insurance solution is designed for you.

Fitness professions list:

The fitness professions we cover are listed below.

  • Personal Trainer/ Online Coaching
  • Group Fitness Centre
  • CrossFit/ Functional Fitness
  • Aerobics / Zumba / Spin Cycle
  • Yoga / Pilates
  • Non-Contact Sports Coaching
  • Contact Sports Coaching
  • Group Fitness Instructor/Boot Camp
  • Water Aerobics/Swimming Instructor
  • Boxercise
  • Weight Lifting
  • Dance
  • Gym (Fixed Hours)
  • Gym(24/7)
  • UFC/MMA/Martial Arts/ Boxing
  • Gymnastics/Pole
  • Dancing
  • Public Pool
  • Sports Club
  • Adventure Sports
  • Tours/Travel
  • Play Centre/Amusement Centre

If you don’t see your profession listed, you can contact one of our dedicated experts via our form or by calling 1300 815 344

Liability Insurance

Fitness Professional Insurance:

  • What insurance do Fitness centres, gyms & personal training businesses need?

Professional Indemnity Insurance

Professional Indemnity Insurance can help when a client suffers an injury or financial loss due to the trainer’s advice or service. A personal trainer could avoid the associated claim of legal fees and compensation payments thanks to Professional Indemnity Insurance.

For example, a client (or another third party) may allege that they’ve suffered bodily injury, property damage, or financial loss due to negligence in the advice, design, or service provided by you (injured their neck and alleged it is due to your advice while working out under your guidance and was unable to work for an extended period).

Professional Indemnity Insurance helps protect your business from losses incurred due to claims of actual or alleged negligent acts or omissions of your professional service or advice provided to your clients.

Public Liability Insurance

Public Liability Insurance is essential for your business if you operate as a contractor to a gym or fitness studio.

It is designed to protect you and your business in the event of a customer, supplier, or member of the public is injured or sustains property damage due to your negligent business activities.

For example, your client broke their ankle when they tripped over a piece of fitness equipment. Your customer will seek compensation for the injury, along with medical costs and loss of income.

Public liability insurance is highly recommended to help cover the cost of compensation for third-party injury or property damage and legal fee claim arises.

FITNESS PROFESSIONAL

Public Liability Insurance will provide you with $5 – $20 million worth of indemnity protection, as well as cover legal costs in defending your position.
Basically, this is the cover that lets you sleep at night if something should go wrong in your business.

Arrange your studio or gym insurance with Gym Insurance HQ:

Gym Insurance HQ has been living and breathing the fitness insurance industry for over a decade now.

We specialise in providing genuine cover to fitness professionals and fitness-related businesses. Get the right advice for you and your business and chat with one of our multi-award-winning brokers today.

Call us on 1300 815 344 or request a quote online today.

MAIN ISSUES

Some of the main issues we see DAILY with cheap online policies at $200 are:
    • No cover if footwear is not worn – These providers sell this policy to Yoga Studios.
    • No cover for 1RM testing or derivatives of – One of the largest PT insurers has this exclusion.
    • Only covered if an incident occurs and claimed by third party lodged with 28 days. – Typically, a personal injury claim takes months to be lodged.
    • Only covered if you have a formally recognised qualification (Degree, Diploma or Cert). – These providers sell this policy to Zumba, CrossFit, Weightlifting etc. all of which DO NOT have qualifications which are recognised by the insures definition.
    • No cover for children’s room/couch whilst parents train.
    • No cover for diet or nutritionary advice (unless qualified dietician)
    • No cover for activities conducted outside – running, boot camps etc.
    • No cover for activities 30cm or more above ground – This excludes pull-ups, box jumps, rope climbs etc.
    • No cover for kids <10, <13 or <16 – depending on provider.
    • No cover for martial arts of any form including non-contact activities such as boxercise, boxfit & mits used in cardio boot camps.
    • No cover for the sale of products.
    • No cover for premises you rent or equipment – slip-fall style claims.

The list of limitations in wordings which work against a client being covered is many times longer than these major items.

Fortunately, Gym Insurance HQ does not sell low cost, low-quality policies as we want to ensure that all our clients sleep easy knowing they are covered. Our prices are higher starting at around $400p.a.

We find that our prices are extremely competitive (around 40% cheaper) when people start asking their cheap insurers to add in cover for additional activities that most businesses undertake.

A group fitness business may need to extend their cheap $200 policy to include:
    • Tenants liability
    • Running outdoors
    • Selling products
    • Having a kids room where kids wait for parents to train.
    • Training of kids <16
    • Providing dietary advice via the likes of My fitness Pal.
    • Only having a cert 4 which DOES NOT cover group fitness training.

The final price may end up $800 p.a for a policy we could have provided you for $460 p.a without variation.
Gym Insurance HQ has been living and breathing the fitness insurance industry for over a decade now.

We specialise in providing genuine cover to fitness professionals and fitness-related businesses.

Get the right advice for you and your business and chat with one of our multi-award-winning brokers today.

Call us on 1300 815 344 or request a quote online.

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