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Protection for the service & advice you provide specialised for personal trainers.
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Insurance For Personal Trainers Australia
With Australia’s growing obsession with health and fitness, personal training is an exciting area to be in. As a Personal Trainer you get to escape the daily grind of the office whilst helping people be the best self. Your clients entrust you with their wellbeing and safety, and in return it is your responsibility to provide adequate protection for their safety.
Having the right fitness insurance is an essential part of your business operations. It will protect you, your business, and your clients should a claim be made against you for negligence, such as giving wrong or misleading advice (Professional Indemnity), or if somebody was to hurt themselves while in your care (Public Liability).
It is a requirement of most employers, including gyms and fitness studios that you provide your own fitness insurance, and in most cases is also a condition for obtaining council permits for working outdoors in public spaces such as parks and reserves.
Professional Indemnity
Protects you and your employees against financial loss due to legal action against your business for services or advice you have provided.
Public Liability
Protects you and your business if an incident causing property damage or an injury were to happen while you are on the job.
Personal Accident and Illness
Protects you for lost income if the unfortunate were to happen and you couldn't perform your usual work and earn an income.
Business Insurance
Protects your business contents and equipment from unexpected events like fire, theft or accidental damage anywhere in Australia
Professional Indemnity Insurance
The role of a Personal Trainer involves creating training plans for your clients in accordance to their body type or health condition. It can also often include giving your client advice in relation to dietary plans and modifications, as well as food preparation.
Professional Indemnity Insurance (PI) protects you against financial losses you incur for any action taken against you, if you provide wrong or misleading advice. It covers you for the cost of defending yourself, including legal fees, as well as any compensation costs which can run into run into hundreds of thousands of dollars and compromise not only your business, but your personal assets too.
What are the risk factors?
- Personal injury claims as a result of negligence of the personal trainer
- Creating training plans that are unsuitable or ineffective
- Providing wrong or misleading advice in relation to dietary plans and food preparation
- Claims arising from inappropriate behaviour (includes cover for defence costs, however costs relating to damages are excluded)
When having the right fitness insurance can pay off!
When a middle aged man decided to go on a health kick and lose weight he enlisted the help of a personal trainer, and after undergoing the pre-assessment was prescribed a 12 week exercise program.
During one of the sessions his personal trainer, a recent graduate with little experience, ordered him to perform a particular exercise that resulted in him suffering a severe spinal injury. Forty-eight hours later he could barely move and had to undergo spinal fusion surgery on his back.
The man launched a law suit against the trainer and his employer which dragged on through the court system for two years. Eventually the court determined that the exercise prescribed was inappropriate for a person of his age and physical condition, and that his injuries were caused as a result of the trainer’s breach of his duty of care. The trainer and his employer were found negligent for failure to provide appropriate risk management in respect to the programme, devising an unsafe and unsuitable training programme, and failing to train/supervise.
This case highlights a clear example of the costly litigation process that could potentially be incurred through negligence, on top of any compensation costs that may be awarded. Having Professional Indemnity Insurance in these kinds of circumstances can certainly pay off!
Get Professional Indemnity Quotes
Public Liability Insurance
Whether you work in a commercial gym or studio, hold PT sessions at your client’s premises or in your own home, or provide outdoor sessions in public spaces, it’s important to ensure you are protected from paying hefty legal and compensation costs should an unwanted accident occur.
Say, a client trips over a piece of training equipment and breaks their ankle. You could be held liable and potentially be sued for the cost of their medical expenses, as well as any loss of income that you client suffers as a result of taking time off work to recover. Public Liability Insurance is designed to protect you against such claims.
It also protects you against third-party property damage should you accidentally damage your clients property, or anyone under your supervision damages the facilities or equipment in the gym or studio where you are training them.
Personal Accident & Illness Insurance
As a Personal Trainer you rely on your body for your livelihood. Yet, have you stopped to think about how you would keep on paying the bills if you were to injure yourself or fall ill and had to take time off work to recover?
No matter how careful you are, accidents can happen anytime, anywhere. Even the very fittest of us can fall prey to an accident resulting in a serious injury.
Personal Accident and Illness insurance pays you a benefit of up to 85% of your income, up to $3,000 per week should you be unable to work temporarily due to an accident or, if you choose the cover,illness, without the need of completing lengthy forms or undertaking a medical check.
You can choose a benefit period of up to 2 years, and there is also the option of covering yourself should the worst happen and you become permanently disabled or you die.
Insure your most important asset – You!
Business Insurance
No matter the type or size of your business there is always the potential for something to go wrong. Business Insurance provides essential protection should an unexpected event occur.
You can cover against loss, damage or theft of your fitness equipment, as well as any stock you may carry such as supplements and protein bars and shakes. Sports equipment can be very hard to recover if lost or stolen, so if you have expensive equipment it’s wise to insure it.