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As many fitness instructors work on a self-employed basis, even if some of their sessions are conducted at a leisure centre or private gym, the correct insurance is essential. When working as a fitness instructor, there are a number of potential areas of liability for which appropriate cover is needed.
In the first instance, there is a need to protect yourself in case an error on your part (and we're all human and make mistakes) causes injury or damage to a third party. Secondly, there is the need to have some form of fitness instructor insurance to cover against a member of your class making a negligence claim against you. From the minute your clients enter the studio or gym, you have a duty of care towards them. This means that, should an accident occur, you are open to negligence claims that could leave you bankrupt without appropriate insurance cover. Thirdly, it is worth considering some form of cover should you be unable to work for any reason. At constructaquote.com, we can give you access to a number of different policies, enabling you to end up with the fitness instructor insurance you need.
If you are a fitness professional, it is highly likely that you will need at least one form of insurance in order to operate legally. This applies whether you are a gym instructor, personal trainer, physical training instructor or class teacher.
Even if you are a business employee, with recognised employee benefits and responsibilities, it may still be the case that you will need your own personal liability insurance before you are able to work legally. Although the exact wording of the policy document may vary depending on the type of instruction you complete, if you work in the exercise industry, it's highly likely that you will need to make your own cover arrangements.
The details of cover vary depending on the policy. As an FCA licensed insurance provider, constructaquote.com will work with you to make sure you're clear about what your cover includes.
In summary, the main areas of cover fitness instructors might need are:
Personal liability insurance - this covers claims made against you by a third party for damage or harm you may have caused through negligence. In addition to claims from your clients, you may also face claims from the owners of the premises in which you operate, other staff members or class bystanders.
Public liability insurance - if you're in contact with the public, there is a chance they will claim that your actions have been negligent and injured them in some way. Public liability insurance covers this risk.
Employers' liability - if you employ other instructors, you are required by law to have this insurance. Failure to do so might result in legal action and substantial fines. Employers' liability covers you against this.
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