Personal trainers often have a higher professional indemnity exposure than traditional gyms as personal trainers instruct and advise clients directly. For most industries, professional indemnity insurance would be structured as a standalone policy, however the unique nature of personal training means that the best option is almost always to have the professional indemnity as an extension of the liability policy.

As more and more personal trainers are moving their services online and providing personalised advice, the need for professional indemnity is greater than ever.

What is Professional Indemnity Insurance?

Professional indemnity insurance covers you in the event that a client or third party claims that you have been negligent in providing your professional advice or services, which as a result, have caused financial loss, sickness or injury. Professional indemnity insurance may cover the legal fees to settle the claim, as well as compensation for medical fees and lost income.

Some examples of professional indemnity claims for fitness and personal trainers include:

• You provide exercise recommendations for a client which they allege has resulted in chronic pain
• You create a personal training plan for a client that results in bodily injury 
• You give unsuitable diet modifications and meal plan advice to a client

Why choose gym insurance HQ?

Gym Insurance HQ can assist you with all your personal trainer professional indemnity insurance needs. With access to the largest range of general and personal trainer specialist professional indemnity insurance companies in Australia, we can find the right policy for you at the right price. Give our specialist brokers a call on 1300 815 344 to discuss your options or request a quote online.