Cheap Liability Insurance For Personal Trainers - Whether you are already a personal trainer or thinking about becoming one, personal trainer insurance is essential. But with so many different providers and policies out there, it can be hard to know where to start!
Before we begin, if you are not already qualified as a personal trainer today with one of OriGym's leading personal training courses.
Cheap Liability Insurance For Personal Trainers
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If you're reading this article, we bet you just want to know if you really need insurance as a personal trainer.
Whether you work as a personal trainer, own your own personal training business, or are employed as a PT by a gym, insurance is a legal requirement.
Personal training is like any other skill - things can go wrong, even if you've been a personal trainer for years! Having personal teacher insurance will give you financial protection if this happens.
Injury or illness to your customers. Personal trainer insurance protects you if a client sues you. This may be a reference to:
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If any of these things happen under your supervision during the session, they can claim compensation from you. Having personal training insurance protects you from paying these fees.
Injury or illness to you. Personal trainer insurance can also protect you in the event of an injury or illness. It will pay you money if you can't work, or pay for medical or health care. Without personal trainer coverage, you may find yourself in a difficult financial situation.
Your employees. If you have your own personal training business and employ employees, having personal training insurance covers you if they become injured or become ill while working for you.
Your tools and equipment. Fortunately for you and your customers, your coach insurance can also cover your property in case of damage, theft and loss. This can also extend to cover any building you own as part of your PT business, such as a studio or gym.
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As well as financial and legal reasons, personal trainer insurance also gives you confidence and peace of mind that you, your clients and your employees are protected.
With this in mind, there are two main types of insurance that are legally required to work as a personal trainer:
We explain exactly what each of these types of insurance covers in the next section of this article!
You might think that if you work at a gym, you don't need to take out personal trainer insurance. However, this is not always the case.
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If you get a job as a personal trainer at a gym, make sure you check with your employer if you have insurance as part of your contract. Even if you come under their insurance, you should check exactly what you are covered for.
You should also note that even if you train most of your clients at the gym, but only train one client outside or at another gym, you may not be covered for any events that occur outside of the gym.
Additionally, many gyms hire personal trainers for free. If you are an individual teacher, it is your responsibility to make sure you have your own teaching insurance.
Many gyms specify the need for personal trainer insurance in the job description, such as the ad below for a freelance personal trainer/group fitness trainer at the gym:
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That is why you should take out insurance as a personal trainer, even if you are employed in a gym.
If you are a personal trainer who also teaches group fitness classes, you need personal trainer insurance.
This is because when you teach clients one-on-one, accidents and injuries can happen. However, you just want to make sure your policy covers you for it.
Most insurance coverage for trainers includes most of the major classes like Zumba, Spin and Les Mills classes.
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You will often find a list of classes that are covered under your personal teacher insurance, so you should be sure to check that the specific class you are teaching is covered.
For example, this business coach insurance policy has a list of the types of activities covered by their policy under the FAQ section of their website:
Additionally, many gyms will require that you already have your own insurance for trainers to teach training classes for them, such as the job ad below:
So if you are thinking of becoming a group fitness instructor, having your own training insurance is not only important to protect you and your students, but it may also be necessary when applying for jobs.
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However, you may want to find the right online trainer insurance, or make sure your personal trainer insurance covers you to train clients online.
Most insurance policies for trainers do not include online training because you have less control over what your client does, compared to face-to-face.
For example, if you train a client online via Zoom, you can only provide verbal or visual instructions for exercises. Since you are not physically present with the client, you cannot adjust the body to their posture or observe them as you would in the gym.
If they get hurt during an online meeting, they can then blame you for their injury as a result of your advice. But with the right online insurance for trainers you are covered in such an event.
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That said, with the growing popularity of online personal training, many insurance companies cover online sections in their policies, such as UK Coaching:
However, most policies like these have conditions that you must meet in order to be covered by their online insurance:
Again, this information is usually found under the FAQs section of the insurance company's website, or should be in your policy agreement.
If you are thinking of working as a personal trainer abroad - whether online or face-to-face, you should make sure that your personal trainer insurance covers this.
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Most insurance policies for coaches in the UK will not cover you unless you work in the UK or are a UK resident.
For example, Insure4Sport personal trainer insurance policy will not cover you if you are not a UK resident:
However, some insurance companies will cover you for working abroad as long as you specify this when taking out the policy. Many companies, such as those listed below, offer some type of insurance for private tutors working abroad that you can add to your existing policy.
As with all personal training insurance, you should always read the fine print to make sure you are covered for the specifics of your PT business.
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As we mentioned, there are two types of personal training insurance that are legal if you want to work as a PT- and we will explain exactly what they cover below.
The first and probably most important type of personal insurance you need is your personal trainer policy. This is the legal requirement required to work as a personal trainer.
A personal trainer's public insurance covers the cost of replacing or repairing the equipment, or the legal fees if the client sues you.
For example, say you are training a client at the gym and your client uses the squat machine incorrectly, causing the handles to fall on them and injure them.
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The customer can make a claim for compensation from you because the damage occurred while they were under your supervision.
While it's certainly part of your job as a personal trainer to make sure your clients are training properly and safely, sometimes accidents happen that aren't your fault.
In this case, without public liability insurance, you will be responsible for paying the claim out of your own pocket. However, if you have public insurance, you are covered for such an event.
What is covered in AXA Personal Trainer public liability insurance gives a good indication of the type of things you can expect to be covered:
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So, while you might not want to think about it, accidents and injuries are common in personal training, even for experienced PTs.
Where public liability insurance covers you for claims related to physical events that cause injury, this covers you if the customer believes you gave them wrong or bad advice that caused injury or illness.
Since a big part of being a PT is instructing and guiding clients, this is an important type of business insurance for a teacher to have!
This information from Hiscox's gives a further indication of the type of things you can expect to be covered in a personal trainer indemnity policy:
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