There will be times that you come across problems with your group of clients. Whether you are salaried or self-employed, which is why you will need some form of Personal Trainers Insurance UK. Different rules apply if you are working abroad, but you must still have insurance for whichever country you work in.
Personal Trainer Insurance UK
Some larger multiple venue training establishments will insure you via a group policy. However, it is always recommended that you take out your own indemnity insurance to cover all possibilities.
It also adds to your professionalism as a Personal Trainer and your understanding of the industry you have chosen to join. It is vital that you insure yourself against any form of damages that may result in court cases or claims against you. Or your company and subsequent losses, which could be heavy. If you are self-employed, it is a must.
Why have personal trainer insurance?
The necessity for personal trainer insurance (PTI) is no different to that of any industry where you are teaching or training. But particularly in the case of training work where there can be damage or injury to the clients’ body, and bring about possible claims.
You must also consider injury to yourself, which would prevent you from working. With the consequence of loss of earnings due to non-performance of your job. You therefore need to look at the following, to see which suits your particular role.
Personal Trainer Insurance – Type and Explanation
These are the categories you should cover when sourcing your insurance policy:
- Public Liability
- Professional Indemnity
- Personal Injury/Loss of Earnings
- Equipment – if you run your own enterprise
It is worth spending time searching for the best coverage on all these aspects and comparing costs. Don’t just take the cheapest you can find, it may be cheap for a reason. In that it doesn’t give you full coverage of all aspects. Or that there are exclusions or limitations on your policy.
Check out any excess clauses as well. Excess can be quite high particularly when you are starting out with no track record, almost like a learner driver!
You must be a nationally certified personal trainer in order to attain coverage for any of the above points. Particularly the public liability section. Your career or your business as an owner could fail, if you fail to have this coverage.
If a large claim is made against you, you would also inevitably end up with debts
The Importance of Public Liability
OK, so it wasn’t your fault, but your client suffers an injury during training. It doesn’t matter how well you know your client, or how friendly you think the relationship is. An injury to them may be costly from their point of view.
If they decide to sue for something that they may allege was caused by you, you could be in big trouble. It doesn’t matter if it is an ‘in keeping’ exercise that you have done a thousand times before, face it, it has happened. You could be in for serious costs for damages, loss of their earnings and future impact on their lives.
A huge bill could result, even if you are open-mouthed about the accusations. It does happen.
Cover yourself, which in turn covers your client – you would be reckless not to consider it just to save money. You will need this whether you work out of various establishments, or operate your own. Many gyms and training venues will ask to see your policy before they even allow you through the door.
Make sure you get a policy that covers damage to a third party’s equipment as well, if you are working at different venues.
You will always want to keep your reputation intact. Whether you are training your client, or have put programmes together that they can follow in their own time. In theory, clients can sue you simply for the advice you have given them. Whether you are there at the time they get injured. Or even whether they are injured on a programme that you have given them, but are absent.
Sounds ridiculous, but there are a multitude of claims that have been processed and won over the years. Professional Indemnity as part of your Personal Trainer Insurance will allay any fears on this front, as your legal fees and compensation costs will be covered. Better than leave it to chance, get yourself covered.
Personal Accident/Loss of Earnings
If you injure yourself whilst training on the job, you will not be able to claim unless you have paid for personal accident and loss of earnings. It may also be worth checking out whether you can insure yourself for injury that would render you unable to fulfil your work commitments, but that the injury occurred outside working time.
This extra insurance on this front can be costly, but so can being out of work and not running your business for any long period of time. Quotes on the additional insurance will vary, so it is best to find out when buying your full policy if this is an extra that can be provided, whether you buy it or not.
The standard element of the policy will cover you for accident or injury during work with clients. It will also include levels of coverage for any repercussions that your business may suffer. You may find you can get part coverage for 6, 8 or 10 weeks, or even more, but the level of the coverage will vary. It would probably not come up to the earnings that you would be likely to lose as well.
This applies to any of your own equipment, or equipment that you may use when working at the various health clubs or gyms as a personal trainer. Again it is wise to have this, even if your car boot has a wealth of dumbbells or other training equipment that you regularly use.
Car parks of large venues, whether hotels, spas or gyms, are a prime target for thieves and thus you are vulnerable. Loss, damage or theft will be covered by all reputable insurance companies, for any equipment owned by you or your clients. It is not limited either – if your sports/training equipment is stolen or ruined, such as trainers, tracksuits etc., you are covered.
You can also be covered by some insurance companies for any promotional material, certificates of qualification etc., if they are damaged or stolen. Make sure the coverage is for inside and outside of your training location (i.e if you are mobile, then make sure it is insured for transportation, or that your car insurance covers it).
Personal Trainer Insurance Summary
The amount of information on the web is mind-boggling. The one thing for sure is to get quotes from the insurance companies specialising in insurance for personal trainers.
They should put together a custom quote for you. This should include what you need, what you want, and what you don’t want. Don’t go to a broker. Don’t assume that the big names in the insurance world will be ok. Just because you have a cheap car insurance with them.
As boring as it sounds, check out all the small print, exclusions etc before you commit.
If you add any additional skills, equipment etc to your training spectrum, update your policy to cover. To make sure any new aspects are included.