Comparison Of Insurance Providers For UK Personal Trainers

July 23th 2020. By Workout Depot.

To be able to provide one-to-one or group fitness classes as a UK-based personal trainer, insurance isn’t an option – it’s a must. Without the right insurance (and the right qualifications to get that insurance), you are leaving yourself vulnerable to legal action should something go wrong. Choosing the best personal trainer insurance provider isn’t always an easy thing to do, but it’s something that you should be thinking about early on – especially if you choose to be self-employed.

Why Invest In Insurance?

 

The most obvious reason for investing in insurance as a personal trainer is to protect yourself. Here are the three main reasons you should invest in personal trainer insurance.

 

Injury To Client & Property Damage

Undoubtably you will be working hard to keep all of your clients safe during a session, whether that’s a group session or a one-to-one. But there’s always the risk of something going wrong, something unexpected, unforeseen or outside of your control. Demonstrating specific moves can always be copied incorrectly, and that can lead to client injury. Or property damage when the weight or machine isn’t handled correctly. If either of these situations occur on your watch, you are left vulnerable to potential legal action.

 

Equipment: Damage, Theft, Loss

Plenty of personal trainers train their clients without any equipment at all. However, you may choose to go ahead and rent gym space and use their equipment while you train, or buy your own. Gym equipment – free weights and machines – are not cheap, and you need to look after it as best you can. The problem arises when your equipment is lost, stolen or damaged. If you don’t have insurance in place, you are going to be handing out a lot of cash to replace it all.

 

Injury To You

Even the best of us can sustain an injury, no matter how careful we are. It may even occur due to factors outside of your control, a slip or a fall can be enough to prevent you from training clients. Worst case your injury puts you out of action for a while. Preventing you from being able to train yourself & your clients, reducing your income & potentially putting you in a tricky spot financially.

Insurance Options Available To Personal Trainers

 

There are several types of insurance available to you as a personal trainer. The facility in which you choose to train and whether you work for an employer or for yourself will dictate the type of insurance that you need the most. It’s always worth having a look at each type to tell whether you will need it before you get started. Insurnace policies most relevant to personal trainers are:

 

  • Public Liability Insurance. This is the insurance that protects you, your client and your gym equipment from injury and damage.
  • Professional Indemnity. This insurance protects you against legal action if your clients suffer injuries as a result of your advice.
  • Equipment Cover. This option is excellent for self-employed or online personal trainers. It gives you the chance to claim if you have lost, damaged or had your equipment stolen. Well worth considering if you decide to invest in your own equipment and use it during sessions.
  • Personal Accident Cover. As a personal trainer, you need to cover yourself if you are unable to work due to injury. Personal accident cover will help cover & pay for your rehabilitation and any other treatments needed to help you recover.
  • Loss Of Earnings Cover. Covering your expenses if you are unable to work is vital to your continued ability to be a personal trainer. Loss of Earnings insurance will cover your expenses for you until you can go back to training.
  • Employers Liability Insurance. If you grow your business and you employ other trainers, you can cover any claims that they make with employers liability insurance.

 

What If I Coach Online?

Currently, there is no specific “online” personal trainer insurance; however, with companies like the Financial Fitness Group and Insure 4 Sport, you can buy insurance packages that cover you when training clients online, providing you abide by the terms and precautions outlined in the insurance policy. These terms vary between insurance providers but usually revolve around ensuring participants have checked their area of exercise to make sure it’s safe & are using equipment correctly in line with manufacturers guidelines. Always check the exact terms of your policy for full details on the terms and precautions you need to take to remain covered by your insurance.

Insurance Options Available To Personal Trainers

 

There are several types of insurance available to you as a personal trainer. The facility in which you choose to train and whether you work for an employer or for yourself will dictate the type of insurance that you need the most. It’s always worth having a look at each type to tell whether you will need it before you get started. Insurnace policies most relevant to personal trainers are:

 

  • Public Liability Insurance. This is the insurance that protects you, your client and your gym equipment from injury and damage and is a must for all personal trainers!
  • Professional Indemnity. This insurance protects you against legal action if your clients suffer injuries as a result of your advice.
  • Equipment Cover. This option is excellent for self-employed or online personal trainers. It gives you the chance to claim if you have lost, damaged or had your equipment stolen. Well worth considering if you decide to invest in your own equipment and use it during sessions.
  • Personal Accident Cover. As a personal trainer, you need to cover yourself if you are unable to work due to injury. Personal accident cover will help cover & pay for your rehabilitation and any other treatments needed to help you recover.
  • Loss Of Earnings Cover. Covering your expenses if you are unable to work is vital to your continued ability to be a personal trainer. Loss of Earnings insurance will cover your expenses for you until you can go back to training.
  • Employers Liability Insurance. If you grow your business and you employ other trainers, you can cover any claims that they make with employers liability insurance.

 

What If I Coach Online?

Currently, there is no specific “online” personal trainer insurance; however, with companies like the Financial Fitness Group and Insure 4 Sport, you can buy insurance packages that cover you when training clients online, providing you abide by the terms and precautions outlined in the insurance policy. These terms vary between insurance providers but usually revolve around ensuring participants have checked their area of exercise to make sure it’s safe & are using equipment correctly in line with manufacturers guidelines. Always check the exact terms of your policy for full details on the terms and precautions you need to take to remain covered by your insurance.

Aspects To Consider When Purchasing Insurance

 

There are several aspects to consider when buying insurance as a personal trainer. Here are the key aspects to look out for and check carefully when choosing your   insurance policy.

 

Your Specific Service

All personal trainers work in different ways. Some run their own fitness classes; others do one-to -one training. Then you have the online coaches who work with clients from a distance and don’t really meet face to face. You need to know that you have an insurance provider that covers the specific service that you offer to clients. Most insurance providers will have coverage for those doing fitness classes or one-to-one training in the gym. Not every provider will cover online training sessions or sessions that are in the local park rather than the gym. Always check the policy first to see if you would be covered for other activities.

 

Your Time Off

If you are injured or sick and you cannot work, you need to know if you are going to be covered or not by your insurance. A lot of insurance providers will cover you if your clients take legal action against you, but they won’t cover your loss of income if you are the one who is injured.

 

Excess

Most insurance policies come with an excess, which means that you have to pay a portion of the balance yourself if you do make a claim. The amount usually ranges from £100 to £500, and the lower the excess you have to pay, the more the insurance is going to cost you over time. You have to find the right balance here to make sure that you are getting what’s right for you.

 

Exclusions

Some insurance providers have exclusions in their policies, that means that they exclude certain expenses incurred by a particular event. What if your insurance provider pays for damage to equipment but not loss or theft? Or, what if your clients are covered for injury, but you are not? This is the stuff that you need to know before you start paying for a policy.

Insurance Providers For UK Personal Trainers

 

There is a range of insurance providers in the UK that provide cover for personal trainers. To help you compare & find the right policy for you, we’ve gathered information on five of the more popular insurance providers and summarised their policy premiums and covers in the table below.

N.B: Information on insurers policy’s was gathered at the time of writing. Insurers routinely update and edit the terms of their policies. Always thoroughly read the Terms & Conditions as well as any other supporting documentation before purchasing an insurance policy.

FitPro

 

FitPro is one of two preferred insurance providers recommended by CIMSPA. Fitpro’s Instructor Public and Teacher Liability (Professional Indemnity) cover provides £10m in both public liability & professional indemnity. With the option of increased indemnity cover to £20m available option request.

In order to qualify for the cover, an instructor must hold & provide proof of either:

  • Gym Level 2
  • Exercise to Music
  • PT Level 3
  • Sports Science Degree

In additional to the main cover, a number of cover extensions can be added to insure additional activities which outside of the main policy such hot yoga & nordic walking.

 

UK Coaching

 

UK Coaching is the second preferred supplied recommended by CIMSPA. In addition to £10m public liability indemnity, UK Coaching’s Fitness Insurance also covers personal accidents, with the pay-out amount varying depending on the injury sustained.

UK Coaching’s Fitness Insurance policy comes with the added bonus of a 24-hour legal & tax helpline for matters in the UK, and also a risk solutions helpline covering advice on safety & security.

Online coaching is covered under their Fitness Insurance policy subject to a number of caveats including reminding participants to stay hydrated and asking participants to check their surrounding are clear & free of distraction. Make sure you consult the terms of the cover to make sure you carry out all the required terms and guidance needed to validate your cover.

 

Financial Fitness Group

 

The Financial Fitness Group offer a number of insurance packages to personal trainers. The one included in the table above is their ‘Membership package including public liability insurance’. Other packages come with added benefits such as accountancy services.

Unlike other insurance providers, the Financial Fitness Group’s packages work on a rolling monthly basis instead of a single upfront annual payment, meaning you’re not committed to a fixed term. Cover also includes £1500 of PT kit cover (excluding electronic devices & phones) & access to exclusive industry discounts.

 

Insure 4 Sport

Insure 4 Sport offer a variable insurance package that can be tailored to suit your individual’s needs. Various covers can be built into the policy including:

  • Public Liability Cover
  • Professional Indemnity Cover
  • Sports Equipment Cover
  • Personal Accident Cover
  • Loss Of Earnings Cover
  • Employers’ Liability Insurance (relevant if you employ staff)

Payment can be made as single annual payment or split into monthly installments if the policy exceeds £50 with a 20% initial payment.

Cover includes nutritional advice (providing within the scope of your qualifications) & can be extended to cover teaching outside the UK for an additional premium.

 

Protectivity Insurance

Protectivity’s personal trainer insurance provides cover in a range of environments such as the gym, clients home or park. In additional to personal trainer liability insurance & professional indemnity cover from 1m to 10m (premium dependent), cover also includes £250 of sports equipment cover as standard (up to £30,000 available) and personal accident cover as an optional extra.

Online coaching is covered under their policy subject to several caveats including obtaining a signed PAR-Q form & conducting a pre-training consultation call. Make sure you consult the terms of the cover to make sure you carry out all the required terms and guidance needed to validate your cover.

Summary

 

Here are some key points to keep in mind when looking for insurance as a personal trainer:

 

  • Spend some time looking at multiple policies. There are several providers of insurance, all with various packages, add-ons and cover levels.
  • Find the right insurance package for you and your activities. Make sure all the sports & activities you instruct our covered under the package. It’s not uncommon for some sports to be excluded from packages or require a cover extension/bolt-on.
  • Always thoroughly read the terms of your policy, including any supporting information. Make sure your 100% confident in what your being covered for and contact the insurance provider to clarify any points you’re unsure of.
  • If you change any services you offer to clients, recheck the terms of your policy to double check your covered.

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