Fitness Instructor Insurance

This section deals with fitness insurance – what type of fitness cover you really need as an instructor or teacher, where you can get it and the appropriate level of cover for your business:

Why do fitness instructors need insurance?
What type of insurance do fitness instructors need and what level of cover?
Why compare fitness instructor insurance with Coverzones?

Why do fitness instructors need insurance?

If you work in fitness, insurance is quite simply an essential part of keeping your business fit – even under the most difficult circumstances. Whether you teach groups or work as a personal trainer, any mistakes you might make can have serious consequences, and you need to be protected against possible errors as well as accidents. Prospective clients or gyms will often require you to have appropriate fitness insurance. And if you have a business that employs people, the law in the UK requires you to have Employers Liability Insurance.

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What type of insurance do fitness instructors need and what level of cover?

Fitness insurance normally includes various types of cover providing a range of business protection:

• Public Liability Insurance for fitness instructors: Whether you work with professional athletes, beginners, old people or children, the importance of this type of cover can’t be overstated. It covers you for claims made against you for the injury or death of members of the public while under your instruction – or otherwise affected by your business. You can expect to need between £1m and £5m of this kind of cover.

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• Employers Liability Insurance for fitness instructors: If your business employs anyone at all, in any capacity, you need this kind of insurance by law at a minimum of £5m cover. This protects both your business and the people who work for you, covering the cost of compensation for death or injury to any of your employees while they are carrying out business activities.

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• Professional Indemnity Insurance for fitness instructors: This type of cover protects your business against the cost of legal proceedings and damages should you be sued as a result of a making a mistake or giving bad advice – for example, if advice given by one of your coaches directly causes injury and loss of earnings to a client. The level of cover you need in this area depends on the nature of your business and will relate to your income.

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• Professional Insurance for fitness instructors: This package combines different components of fitness cover into one insurance policy tailored to your specific business needs. It would of course include cover for public and employers liability. It could also offer a range of other options that you might require, depending on which area of fitness you specialise in. For example, you might need contents insurance, or business interruption cover. Professional Insurance enables you to put together precisely the package you need.

Insurance for Professional fitness instructors will soon be available for purchase at Coverzones.

Why compare fitness instructor insurance with Coverzones?

Coverzones is exactly what you need if you want to compare a range of quotes from different insurers, but don’t want to spend hours wading through different websites, keying in your details time and time again. With Coverzones, you enter your details once, we search a range of insurers, and we offer you a selection of the best quotes within minutes. You can buy your chosen policy through us, too.

What’s more, with a complimentary Coverzones account, your insurance details are kept safe on our secure server, ready for you to amend, cancel or renew whenever you wish.

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