Personalised business insurance to protect fitness professionals.Start your quote
Our business insurance offers protection for legal fees in case something goes wrong and a client makes a claim against you.
The pursuit of a career in the fitness industry is often driven by a love for the job, and the desire to help others get into their peak physical condition. The majority of fitness instructors operate on a self-employed basis, often based at multiple venues, which can make getting the relevant insurance policies seem like a daunting task.Start your quote
Making sure you have the right levels of insurance protection from the start means you can carry on with the day to day running of your fitness business confident in the fact that you’re protected.
Fitness instructor insurance can be particularly complicated if you’re frequently making use of heavy or complex equipment in your day to day interactions with your clients, so it’s absolutely necessary that you have the correct coverage to indemnify you against allegations of negligence that could cause physical harm.
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Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
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Fitness professionals are engaged by people to help them get in shape, keep fit, and potentially lose weight. Any advice provided that a client deems to be poor and ineffective could lead to a claim.
A couple of examples could include:
Professional Indemnity insurance would respond to provide cover most instances such as these.
A client is injured whilst in your care
A client sustains an injury during one of your training sessions. This instance you would be covered by Public Liability insurance.
With our online quote and buy system you can get an indicative quotation for your insurance in a matter of minutes. Professional Indemnity insurance starts from as little as £98.00 per year, while Public Liability insurance stars from only £112.00 per year.
What you will pay depends on your needs and your level of risk. If you have a specific requirement or would simply like assistance with your quote please contact 0333 321 1403.
Apart from Professional Indemnity insurance which will provide cover for poor fitness instruction and advice, you will typically be required to carry Public Liability insurance because you meet clients face-to-face. However, some gyms will cover this if you are a resident instructor there, so please check first.
It is important to be aware that as a self-employed business owner, a claim can be made against you personally with unlimited personal liability. Directors and Officers insurance will cover you in this instance.
If you handle client data, then a cyber liability insurance policy could be valuable to ensure you and your clients are covered in case your computer is hacked and the data is stolen or leaked.
Legal Expenses insurance will also provide cover for costs incurred from a legal occurrence or claim that your indemnity and liability insurance does not cover, including the costs incurred from being called up for jury service.
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Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.Get in touch