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4 Major Factors That Could Affect Your Decision On Fitness Centre Insurance

4 Major Factors That Could Affect Your Decision On Fitness Centre Insurance

by admin | Nov 4, 2016 | Income Protection Insurance, Other Fitness Instructors & Trainers

Investing your money on a Fitness Centre Insurance policy could be risky if you make an impulsive decision on this matter. I strongly advise you sit down and ensure these 4 major factors are present for you to make an informed decision. Your fitness business’ specific...

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      Occupation Class Back

      • Instructor or centre primarily engaged in group classes.
        Aerobics / Zumba / Spin Cycle / Boxercise
      • Instructor or centre primarily engaged in group classes.
        Yoga / Pilates
      • Individual or team coaching for non contact sports.  Examples include: Volleyball, Cricket, Tennis, Golf, Rowing, Swimming, Athletics etc.
        Non Contact Sports Coaching
      • Individual engaged to lead group based training within training facility, or operating boot camp training with minimal equipment.
        Group Fitness Instructor / Boot Camp
      • Individual teaching water-based group classes.  This does not include the management/ownership of pool – See Public Pool.
        Water Aerobics / Swimming Instructor
      • Group Based boxing activities, involving bags, pads & mits.  Excluding sparring activities.  If sparring see Boxing.
        Boxercise
      • Instructor or centre primarily engaged in weight training activities.  Individual or group classes.
        Weight Lifting
      • Instructor or centre primarily engaged in group dance classes.
        Dance
      • Individuals involved in 1 on 1 coaching, primarily operating from third party gym, or online.
        Personal Trainer / Online Coaching
      • Group based training facility, incorporating cardio and weightlifting aspects.  Typically identify as similar to the likes of F45.  Excludes rope Climbing – See Functional Fitness.
        Group Fitness Centre
      • Group based training facility, incorporating cardio and weightlifting aspects including rope climbing.
        CrossFit / Functional Fitness
      • Individual or team coaching for contact sports.  Examples include: Basketball, Soccer, Rugby, Soccer.
        Contact Sport Coaching
      • Standard gym where people come to train during fixed operating hours with staff on site at all times.  Can include group fitness classes & personal training.
        Gym (Fixed Hours)
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        Gym (24/7)
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        UFC / MMA / Martial Arts / Boxing
      • Instructor or centre primarily engaged in group classes.
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      • Management or operation of public access pool. Can include individual and group classes such learn to swim.  If not responcible for management of pool refer to Water Aerobics.
        Public Pool
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        Tours / Travel
      • Activity centres typically aimed at kids.  Can include indoor playgrounds and trampoline centres, through to inflatable water based adventure parks.
        Play Centre / Amusement Centre

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      Public Liability : ? Protects a business in the event its staff, premises or products cause loss or damage to third party.
      Do you Lease/Own your business premise :
      Management Liability : ? Provides protection for wrongful acts by company and directors. Most common examples: workplace/employment issues such as harassment or discrimination.
      Business Property : ? Covers a business’s physical assets from loss or damage.
      Stock, Contents & Fitout Value : ? Stock, Contents & Fitout Value
      Business Interruption : ? Business Interruption
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