We often get asked ‘What Personal Trainer Insurance Do I Need?’, as a personal trainer it is important you have personal trainer insurance, it doesn’t just cover yourself and your clients but also covers the equipment you use. In this blog, we’ll go over what personal trainer insurance is, the types of insurance and even recommend some insurance companies you may want to look at if you need insurance.
What is PT insurance and why do I need it?
Going into the PT world you need to have a decent grasp on the ins and outs of what’s needed to be a successful Personal Trainer, one of those things is looking after the aspects of your job. If you’re a PT for a company then this blog shouldn’t be a worry for you as you are covered by your company’s insurance (assuming they insurance) whereas if you’re a self-employed personal trainer you need to take a closer look into what insurances you need.
Even if you think you’re personally alright without insurance, as a good PT you should have insurance for your clients. When your clients are on your watch you need to make sure that they’re as safe as possible so insurance is imperative should an accident happen from faulty equipment or human error. With insurance, you can have peace of mind you are covered should an accident happen!
Types of Insurance
As nice as it would be to get one type of insurance to cover every eventuality within your business, it’s unfortunately not as easy as that and you need to take a closer look at what insurance your business needs.
Public Liability Insurance
The most straightforward and needed insurance for any PT is public liability insurance, this insurance ensures the safety of both you and your clients. If an injury occurs on your watch or during one of your personal sessions then public liability insurance covers claims made against your business by clients.
Professional Indemnity Insurance
This type of insurance is purely situational but is in place just in case that situation does arise, it covers the ground of protecting your professionalism to some extent. For example, if a client of yours doesn’t reach their personal fitness goals and then proceeds to blame you for being negligent or not putting 110% into your work, then this type of insurance covers the cost of compensating clients for loss or damage resulting from negligent services.
Equipment Insurance
The clue is very much so in the title for this one when it comes to this type of insurance. Equipment insurance makes sure that all of your equipment at your place of work is fully insured and should it break or be misused then the insurance should replace your equipment.
Please note that all insurance covers vary, we’d recommend you have a good look around different insurance companies and what they cover before landing on your final choice.
Personal Accident Cover
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Employer Liability Insurance
If you run your business purely on a self-employed basis then this type of insurance is no worry to you as it is for businesses that have employees. Should you have a growing business that is employee staff then this insurance is essential and one you should have in place to help pay compensation if an employee is injured or becomes ill because of the work they do for you.
Insurance policies: What to look for & where to find them
Now you’ve looked into what insurance is and what types of insurance you need to be looking at, it’s best you take a look at the policies that are in place that can make or break what cover you end up going for.
Liability
One of the first aspects of insurance you need to look into is the liability costs, this comes down to how much you would receive in legal costs and any payouts that come from claims against you.
Excess
Clues in the title on this part of the insurance, let’s say you make a claim through your insurance company you may have to pay excess payments depending on which company you end up going for. Your premiums may be affected depending on if you pay the excess or not, typically the lower the excess the higher the premium.
Exclusions
Some insurers don’t cover all aspects of your business and have a very clear-cut policy on what they will insure. If something were to happen outside of the policy of the insurance then it’s completely on you for not checking what was covered and what wasn’t. Always double-check the small print of the insurance you go for.
Where should you go for your insurance?
Even though we’d recommend that you take an extensive look around for the perfect insurance company for your business, there’s nothing wrong with some recommendations, here are a few that we’ve hand-picked that are some of the leaders in the industry.
1. Insure4Sport
Rated 4.8 on TrustPilot
https://www.insure4sport.co.uk/covertypes/ptandfitnessinstructor
2. Hiscox
Rated 4.7 on TrustPilot
https://www.hiscox.co.uk/business-insurance/personal-trainers
3. Swinton
Rated 4.5 on TrustPilot
https://www.swinton.co.uk/business/trades/fitness-instructors-insurance/
We’d recommend you take Trustpilot into account when looking for a new insurer, this gives you a good idea of other customers’ experiences with the insurance company.
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