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Personal Trainer Insurance | The Top 5 Things Your Policy Isn’t Covering

by | Mar 25, 2019 | Other Fitness Instructors & Trainers

Personal Trainer
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Finding a cheap Personal Trainer Insurance policy might seem like a no-brainer, but are you sure it covers all the activities you undertake as a personal trainer? Often, these policies don’t provide the comprehensive coverage you need.

Here are the top 5 things your Personal Trainer Insurance policy is likely not covering:

  1. Non-Australian Standard Gym Equipment: If you use a chair, log, step, or wall during your sessions, you’re technically using equipment that is not Australian Standard Gym Equipment. This means if a client gets injured during a session using such equipment, your current Personal Trainer Insurance policy likely doesn’t cover it, leaving you fully liable.
  2. Clients Without Shoes: If a client removes their shoes during a class, whether for a deadlift or stretching, this minor detail usually goes unnoticed. You’re likely not covered if an injury occurs while clients are not wearing shoes.
  3. Bootcamps/Group Classes: Any PT class or bootcamp run outside a corporate gym facility is generally not covered. Many personal trainers conduct auxiliary exercises and group sessions using non-Australian standard gym equipment, but this common practice often falls outside the scope of standard policies.
  4. Boxercise/Pad & Mitt Training: Using gloves and pads during training sessions involves many technicalities within your insurance policy. This type of training is generally regarded as outside the scope of PT activities, even though it is common. Most insurers require a form of Boxercise/Martial Arts cover for these activities.
  5. Diet/Nutrition Advice: Providing diet or nutrition advice is typically not covered by basic Personal Trainer Insurance policies, even if you are qualified to give such advice. Most insurers do not deem personal trainers qualified to provide this type of guidance.

Ensure Comprehensive Coverage

If you engage in any of the activities mentioned, follow up with your current insurer to ensure your covers where it counts. For personalized advice and to confirm if your PT activities are adequately covered, call Gym Insurance HQ at 1300 815 344.

Get a Customised Personal Trainer Insurance Policy

For a Personal Trainer Insurance policy tailored to your specific activities, get an instant online quote using our free calculator HERE.