Protecting your fitness trainer business
Being a fitness instructor is rewarding work. Helping people achieve their goals, lose weight and get fit requires patience and positivity, but things can go wrong meaning you need comprehensive fitness consultant insurance in case something unexpected happens.
Fitness instructors are exposed to a number of risks, whether it’s a claim against you for injury, negligence or wrongful advice. You need protection that’s tailored to you and your business activities. So what are some of the risks involved and which covers might be most relevant to you?
Liability insurance is a key aspect of your personal trainer insurance to protect you against potentially large compensation claims should someone injure themselves during training. There are a number of instances that could trigger these claims; sports injuries, slips trips and falls, or even a member of the public tripping over your equipment. Claims made against you by clients or other third parties would typically be covered under public liability insurance which would take care of the associated medical and legal expenses, as well as any compensation you may be liable for.
Employers’ liability insurance can protect you in similar circumstances if you employ staff. Whether you’re doing classes outside together or have your own individual speciality; employers’ liability is required by law to protect you for accidents your staff may suffer. As careful as you may be, accidents can still happen when you least expect it and this cover can protect you and your staff should something go wrong.
If you’re a mobile instructor insuring your equipment is crucial. Without your equipment you may struggle to complete your day to day activities. Whether its kettlebells, boot camps, aerobics or boxercise; fitness equipment does not come cheap so this should be a key consideration.
Personal Accident Cover
Personal trainers may experience an injury at some point. Whether these are minor or major injuries they could impact on your ability to work. Personal accident cover can protect you against a number of eventualities including loss of sight, temporary or total disablement and can give you peace of mind in case you have an accident that leaves you unable to work. This invaluable cover typically provides a weekly income until you are able to return to work to help tide you over financially.
Property insurance for fitness consultants
Depending on where you conduct fitness classes, you may need to consider insurance that would protect your business buildings and contents. If you have a fitness studio you may require gym insurance. If you conduct classes or business administration from your home you may also require home business insurance as most home insurance policies exclude business activities.
Comprehensive fitness instructor insurance
We arrange insurance for fitness consultants that is tailored to your individual requirements. We understand the variety of activities that you could be involved with, and are on hand to find the right cover at the right price for your livelihood. If you are looking for some guidance and advice, then give us a call or request a call back. Our expert advisors are available on the phone to help make arranging your insurance simple and hassle free.