Have you heard anybody mention Fitness Professional insurance in Australia? If this is your first time learning about this type of policy, let me give you some additional information that will surely be enlightening.
Why does a Fitness Professional need an insurance policy?
Whether you are employed or a freelancer offering your services as a Fitness Professional instructor, being insured is a must because of the nature of work that involves giving advice or instructions to a bunch of students. There are also other concerns you have to pay attention to when doing your job as a Fitness Professional trainer such as Errors and Omissions. What does this term imply? For example, if you suggested to your students to watch a fitness video and one of them incurred a physical injury while following a routine, you can be held accountable and be sued for giving such advice.
What can a Fitness Professional insurance policy cover as part of protection?
Fitness Professional insurance policies in Australia differ and may vary depending on the extent of risk a trainer is exposed on a daily basis. Below are the common types of protection coverage that could be included in a policy.
Professional liability coverage
This is one of the types of protection that you can include on your chosen Fitness Professional insurance; professional liability coverage. Here, your protection can cover anything that could arise while in a fitness facility or doing a particular stint of your workout program.
Comprehensive liability
Another type of protection coverage is comprehensive liability. This covers accidents that will lead to a physical injury while offering your services as a Fitness Professional trainer.
Personal injury coverage
As a professional Fitness Trainer, you are also prone to personal injury. The personal harm coverage extends protection against any incidence that will affect your reputation such as a libel or slander lawsuit.
Abuse coverage
Among the other privileges, you can enjoy from buying a comprehensive Fitness Professional insurance policy is the abuse coverage, where your protection is focused on claims due to misbehavior or sexual abuse.
Disruption coverage
If the reported accident leads to disruption of your work as a Fitness Trainer your Fitness Professional insurance will cover your non-operational days where you will encounter loss of income.
The extent of protection you wish to include in your Fitness Professional insurance policy will depend on many things, such as the types of risks you deal with on a daily basis and your preferred budget. If right now you can only afford the basic protection coverage that may exclude special types of protection against unavoidable events, no need to worry. You can always make the necessary adjustments when your earnings improve. Once you have enough funds to pay for a higher insurance policy, you just need to notify your insurer about this plan and they certainly will be ready to prepare a more extensive insurance policy.
If you want to save more on your fitness insurance, give us a call on 1300 815 344 or get a quote online HERE and find out why we’re you’re Industries No.1 choice.