As a personal trainer you do everything you can to keep your clients fit and healthy. But whilst you give advice and guidance to help them stay in good shape, there’s still a risk that they could injure themselves and, as a result, make a claim against you. If you’re self-employed or run a personal training business, it’s vital to ensure you’re protected financially should things go wrong. From legal battles to damaged equipment, disgruntled employees to your own injury, controlling risk with a good insurance plan is essential for any business owner or self-employed person.
Hiscox personal trainer business insurance can give you the peace of mind to carry out your work, safe in the knowledge that you’re protected financially.
Treatment and professional liability insurance
You don’t need to have done anything wrong to face a claim for professional negligence, but the costs involved in defending even the most spurious of claims can be substantial. If someone makes a claim against you because of advice you provided, including if that advice led to a client injuring themselves, treatment and professional liability insurance for personal trainers can help. It can protect your business against the cost of settling or defending a claim that there is a problem with your work, including malpractice.
Our treatment and professional liability insurance policy is specially designed to cover a range of businesses, including personal trainers.
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Public liability insurance – slips trips and falls
When it comes to considering public liability insurance for personal trainers, it helps to assess whether you’d cope financially should someone bring a claim against you. Despite your best intentions, accidents do happen and if it occurs as the result of something you have done then a member of the public or a client can claim against you for compensation. If, for example, somebody trips over your training equipment and injures themselves, Hiscox public liability insurance can protect your business against the cost of paying or defending a compensation claim.
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What combination of cover do I need?
Our treatment and professional liability insurance and public liability insurance products are designed to be combined to offer comprehensive cover in one package. Treatment and professional liability insurance covers claims arising from the delivery of your professional service to a client, while public liability insurance provides cover for claims arising from bodily injury or property damage caused by your business to members of the public.
When it comes to thinking about the level to which you need to be covered, it’s worth considering the defence costs you’d face if something were to go wrong, even if you weren’t to blame.
Office contents insurance for personal trainers
As a personal trainer, your equipment will play a vital part in your ability to work. You may also make use of an office for admin, in which case it’s wise to protect any computers, printers and expensive equipment you use. Our office contents policy is designed to protect home or office-based businesses against the cost or replacing or repairing business equipment if it is accidentally damaged, lost or stolen. You can also add a range of specialist covers to your policy such as portable equipment, providing cover for equipment outside of the office, such as laptops and gym equipment, which can be particularly useful for personal trainers that work on the move.
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