Working up a sweat over personal trainer insurance?

With so many insurance products floating around the market, it’s hard to know what is right for you and your personal training business, and it can leave you more than a little flustered. Likewise, as someone who is passionate about health and fitness, you may even think you don’t require personal trainer insurance. After all – you’re getting people fit and healthy – you’d never do anything wrong by them!

However, what if you accidentally gave a client misleading information, or caused them a loss in some way or another without realising? Professional indemnity insurance for personal trainers would cover you in circumstances such as these and is actually a really important level of cover to have to ensure you and your clients are protected. In addition to professional indemnity insurance for personal trainers, there are other types of insurance that you should consider too. Allow us to clear any confusion and give you a little insight into the different types of insurance.

Professional indemnity insurance for personal trainers

As we briefly mentioned above, professional indemnity insurance for personal trainers is all about protecting you and your clients from misleading advice or services. For instance, if you offer a client your professional advice on a certain diet or exercise procedure and they take that advice on-board, only to suffer damages or injury as a result, you would be covered for any legal costs.

Personal accident and illness cover

Your own health and well-being is pretty much a crucial element in your job as a personal trainer. Therefore, it makes sense to cover yourself in the unfortunate event that you are unable to work due to injury or illness, and therefore unable to meet your financial obligations. Personal accident and illness cover will provide you with a portion of your income so you can meet these financial requirements.

General property cover

This one is pretty self-explanatory. Given you’ll most likely have electronic equipment to help organise your day (tablets, iPods for music etc.), as well as all that expensive exercise equipment, general property cover will insure you in the event that these items are lost, stolen or damaged.

Public liability insurance

Similar to professional indemnity insurance for personal trainers, public liability insurance actually covers you in the event that a client injures themselves under your care and you’re found to be liable. With or without equipment, whether in your own space or at a public park, public liability insurance is so important in the personal training industry, given accidents and injuries can happen so easily.

Tax audit cover

This is one form of cover you may never think is applicable to you, but guess what? It is! If the tax department hits you with a tax audit come end of financial year, the cost of hiring a professional to carry out the audit for you is covered.

So there you have it, we’ve hopefully demystified the different types of insurance such as professional indemnity insurance for personal trainers, as well as public liability insurance and some other common ones. You can head to our website for more information on our policies, obtain a quote online or call our office on 1300 GETCOVER (1300 492 862) to speak to our Contractor Cover real-life team.

Riley Jack is a writer across several reputed industrial web posts. He writes for many online journals and portals which are related to insurance and finance.