As more and more people seem to appreciate the importance and benefits of health to staying fit, business is looking good for personal trainers and fitness instructors.
The business opportunities are many and varied, providing the versatility of running your fitness training through the local public recreation centre, at a private leisure club or gym, or even as a personal trainer or fitness instructor.
The places in which you might practice your business are matched by the many different ages and walks of life you are likely to encounter amongst your clients and customers.
Whatever the age group or whatever the background of a particular client, however, an accident might happen or a medical complication may arise as they are undertaking exercises you have recommended to them. This might range from anything to a twisted ankle to a major heart attack.
If any such event were to happen on your watch, you may be held responsible. It might be alleged that you were in some way negligent or in breach of your duty of care towards the injured customer. In that event, you may be held liable and ordered to pay a substantial sum in damages.
Here at constructaquote.com, we take those risks seriously in order to offer you a range of fitness instructor insurance policies that may suit any kind of personal trainer or instructor.
Why choose us?
- We are specialists in arranging insurance for small businesses such as yours and service more than 33,000 policies a year
- Our customers rate our services highly, with some 95% of them rating us as “good” or “excellent”
- We have been established for more than 25 years and our contact centre is in the UK
- If you need employers’ liability cover, we provide up to £10 million indemnity as standard.
Do I need fitness instructor or personal trainer insurance?
The answer may be both no and yes, depending on the liability concerned.
Public liability insurance
This type of cover, for example, is not formally required by law but it is essential cover and your opportunities for doing business may be severely limited if you do not have such insurance.
If you are conducting your business at a council-run sports centre or a private gym club or fitness facility, it might be a condition of your contract that you have a given minimum level of cover.
If one of your clients has an accident and suffers an injury or has their property damaged, the council or owners of the fitness facility may seek the assurance that you have sufficient wherewithal – in the shape of public liability insurance – to meet any claim to which they may be entitled. For similar reasons, any private client whom you are training at their home or yours, or in some open public space, may also expect you to be covered by insurance.
If you are able to demonstrate that you already hold such cover, it may help to demonstrate the seriousness with which you take your obligations as a fitness instructor and so enhance your standing and reputation.
The level of public liability insurance you arrange is entirely up to you – and may depend on the type of training you conduct and the age and number of your clients – but is typically no less than £1 million.
Employers’ liability insurance
If you employ anyone else to help run your business – either as an instructor or in some administrative capacity – the law requires that you hold employers’ liability insurance. There are certain exceptions to this requirement, but they are few and far between.
The relevant legislation is the Employers’ Liability (Compulsory Insurance) Act 1969, as amended, and currently requires that you have a minimum of £5 million of cover.
This may seem a very high or even excessive limit, until you consider the potential repercussions for any employee who may suffer a long-term disability or illness – even death – as a result of the work they do for you. The purpose of the law is to ensure that you have sufficient funds to meet any claim that may be made by your employee or employees.
The seriousness with which the legislation takes your responsibility for arranging this insurance may be illustrated by the fact that you may be fined up to £2,500 for every day that the cover is not in place.
The law also requires that you display or have available for inspection a copy of the relevant insurance certificate – or face a penalty of up to £1,000.
Whilst your obligation for arranging the relevant liability insurance may not have the force of law in every instance, you might consider it necessary and prudent for the protection of you and your business. Given the scale of claims which might be made against you, you may otherwise be quite unable to meet them.
At constructaquote.com we make it our mission to offer comprehensive yet affordable fitness instructor insurance - so why not get a quote today or contact us for more information?