What is fitness instructor insurance?
When working with people, especially while they are exercising, there will always be the risk of injury. As a fitness instructor, you could be found liable if your clients are injured.
That is why it might be worth considering taking out a comprehensive fitness instructor insurance package. Not only will it cover you if one of your clients gets hurt on your watch, but it can help protect your equipment, your business premises, and even your own health.
The two main policies in a fitness instructor insurance package will typically be public liability insurance and professional indemnity insurance.
Public liability insurance for fitness instructors would cover the compensation costs and legal fees related to injury, illness or property damage caused by your business activities. For example, a client making a claim against you for a muscle they tore in one of your fitness classes.
» COMPARE: Public liability insurance
Professional indemnity insurance for fitness instructors, on the other hand, is designed to deal with claims of negligence or error that arise from advice you give to your clients.
An example of this could be a client falling short of their weight loss targets based on a fitness plan you created. The client may claim that your plan was inadequate, and that they will incur financial loss trying to meet their targets through other means. Professional indemnity insurance would cover the costs for such a claim.
» COMPARE: Professional indemnity insurance
A good fitness instructor insurance plan doesn’t just stop with public liability and professional indemnity cover, however. If you have any employees who are not family members, you are legally required to take out an employers’ liability insurance policy.
Meanwhile, given the expensive equipment you may be working with as a fitness instructor, you may want to make sure you also have sports tools and equipment insurance. This will help pay to replace items, such as dumbbells and running machines, if they are accidentally damaged or stolen.
Of course, as a fitness instructor you are also at risk of injury. That is why many fitness instructor insurance packages also include personal accident cover. This means if you get hurt while on the job, you may be covered for your lost income.