As a personal trainer or fitness instructor, you work with a wide range of clients and your job is often varied. Whether you’re a group fitness coach, personal trainer, pilates teacher or boot camp trainer, it takes time to grow your business and build a good reputation. But accidents and mistakes can happen, and whether you were at fault or not, a claim could disrupt or jeopardise your business and leave you financially exposed.
What Is Public Liability Insurance?
Public liability insurance is designed to cover you and your business in the event that a client, customer or member of the public has an accident, is injured or experiences property damage as a result of your business activities.
Some examples of public liability claims for fitness and personal trainers include:
- A client trips up on a skipping rope that was left on the floor and sprains their ankle
- A client sustains an injury as a result of an exercise you instructed them to do
Public liability insurance can cover the litigation fees, compensation paid to a client as a result of the incident, medical costs and loss of income.
In addition to public liability, it’s also recommended that personal trainers and fitness instructors take out professional indemnity insurance which protects your business from claims relating to the professional services or advice you have provided clients.
Why Choose Gym Insurance HQ?
Gym Insurance HQ is a specialist insurance broker for the gym and fitness industry. Our brokers understand the risks personal trainers and fitness instructors face and have extensive knowledge working with different types of trainers. If you’re unsure about what type or level of cover you need, get in touch with our brokers on 1300 815 344 to discuss your options. You can ulcer request a quote online.