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Personal trainers are like any other small businesses; every day presents risks to you and to your clients. It’s sensible for small business owners to assume anything that can go wrong, will go wrong. However, you can protect yourself against such eventualities through a range of specialist Personal Trainer insurance services.
There is not just one type of insurance relevant to personal trainers. Some protect your clients, others protect you, your employer, or your employees if you have any. Which you will need depends on where you operate and how you operate.
Personal trainer insurance, like any other form of insurance, protects you against all those things that could go wrong:
As a personal trainer, you may need many different types of insurance covering the various aspects of your business.
Public liability insurance (required by law): Most gyms won’t let you operate unless you have this. However, in any case you should have PLI, regardless of where you intend to run your business from. It protects you from prosecution if another person is injured, or equipment damaged, during your work.
Employer liability (required by law): This only applies if you employ other people in your personal training business. You must take this out to protect your employees against the types of injury for which you might be deemed responsible.
Professional indemnity insurance (required by law): This is a form of public liability insurance to protect against bad professional advice, such as incorrect exercise technique, or non-evidence-based nutrition advice. As part of your business, you may offer personal advice on diet and exercise, so this is essential.
Business equipment / tool insurance: In the PT industry, it may also be known as “Sports Equipment Insurance”. These are all the same thing. Your equipment is at risk of damage from new users not understanding how to use it, during transportation, and even theft.
Personal accident insurance: Personal trainers work out a lot and sports injuries are inevitable. Most are short-term but you are at risk of long-term injury. Personal accident insurance protects you against short-term, long-term, and permanent injury, and the costs of recovery and rehabilitation.
Loss of earnings insurance: This also covers you in the result of injury or disability. However, it doesn’t cover your rehabilitation. Instead, it covers your loss of earnings if you have no other choice but to cease trading temporarily. Personal accident and loss of earnings insurance are sometimes called ‘income protection’.
Legal assistance insurance: Not all policies will cover legal assistance. For those that do not, or if you feel you need more cover, you could take out legal assistance cover which protects your business against resulting litigation.
You should always consider the restrictions of any insurance policy. Don’t assume that everything is covered.
The joy of being a self-employed personal trainer means flexibility – that you can work anywhere and set your own hours. Yet not everywhere is permissible. If you register an operating address as a local gym for example, clients receiving training at your home may not be covered.
Some Personal Trainers go on holiday or travel abroad to meet a client not knowing whether their insurance policy at home covers them. Even if the policy means can work anywhere in the UK, look at restrictions on working abroad.
Consider excess. A few hundred pounds is typical, as it is with other types. However, the small print may include higher excesses under certain circumstances. The chances of these rare events are small, but you don’t want an enormous bill if they happen.
As with every other form of insurance, you should always look at the small print for restrictions before agreeing to a policy. If a certain event is not covered, you will be personally liable.
Now that you’ve decided you need insurance for your personal training business, where to start looking?