If you’re anything like me, working out makes you hungry (I can’t be the only one who raids the kitchen cupboard after lifting weights for an hour, surely?). The trick is having a great snack prepared beforehand, so that you’re not tempted to hit the Drive Thru on the way back from the gym. It also means you have a chance to pack in the extra protein, vitamins and needed for muscle recovery.

Below are 5 pre and post workout snacks, which will help with this. We’ll also look at some of the misconceptions surrounding these foods.

 

Protein Pancakes – for when you’ve exercised before breakfast

A personal trainer taught me this simple trick to making pancakes without using sugar or flour. To make two pancakes, you’ll need just 1 Banana & 2 eggs. Yes, really.

Simply pop the banana into your blender, crack open two eggs and whizz them together to make the pancake batter. Pro tip: if you fancy a chocolate fix, you could add 2 teaspoons of powdered cacao at this stage.

Pre-heat a small frying pan and spray with coconut oil. Next, on a low-medium heat, pour in half of the batter mixture and wait before flipping over. Don’t be tempted to flip the pancake too soon – it will go all over you! Instead let it ‘firm up’ a bit, to the point where it isn’t runny on the top and can be easily flipped over using a plastic turner, without dripping all over the place.

Once cooked, do the same with the rest of the mixture and then stack them up! You could also top them with a spoon of Greek Yogurt and a handful of your favourite fresh fruit.

Myth to debunk: Eggs & Cholesterol

A lot of people still think eggs are to be avoided because of the cholesterol content found within the yolk. However the Department of Health and organizations such as Heart UK and the British Heart Foundation have all changed their advice regarding eggs as result of recent research.

We now know that dietary cholesterol, such as that found in eggs, has a much smaller effect on blood levels of total cholesterol and harmful LDL cholesterol, especially when compared to saturated fat, which is found in foods such as butter and fatty meat. Eggs however, are low in saturated fat, high in protein and rich in 18 different vitamins and minerals.

 

Quark Chocolate Mousse – for when you need chocolate waiting for you on the other side of your workout (we’ve all been there!)

To make 3-4 desserts, you’ll need a 250g tub of Quark (a high protein cream cheese which tastes like plain yogurt) and 100g of dark chocolate. For added flavour you could also add in a teaspoon of peppermint oil or orange extract.

Simply place a glass bowl into a saucepan filled with water and place over a low-medium heat. Break up the chocolate and melt this in the bowl. Once melted, remove the bowl from the saucepan, stir in the Quark and add in the peppermint oil or orange extract if you wish. Next, pour the mixture into 3 or 4 separate containers (I’ve reused some glass dessert pots), cover with foil and place in the fridge to cool and set for at least 30 minutes.

Myth to Debunk: “I can’t eat chocolate I’m on a diet”

The problem with this logic, comes down to human nature. The more you deny yourself something, the more you’ll want it. It’s like if I tell you not to think about a pink elephant, and then ask you what you’re thinking about right now (a pink elephant, right?).

So instead of denying yourself chocolate if it’s something you really want, eat it in a way that satisfies your craving for chocolate but doesn’t overload you with sugar.

Many people find dark chocolate to be very rich and so they’re less likely to eat too much of it. Adding a few squares of high quality dark chocolate (70% or more) to quark is a fantastic way to take the bitterness away from the dark chocolate, while still benefiting from its antioxidant properties and satisfying your chocolate cravings all in one go.

 

Homemade Coconut Granola Bar – for when you need a carb fix before going for a long run

This is a great one to batch at the weekend and portion out for the next week or two.

To make a tray of granola, which you can cut into 16 individual bars, you will need 180g of rolled oats, 30g dried fruit, and 30g of chopped nuts, 130g desiccated coconut, 8 tablespoons of your favourite high protein nut butter (P2B or almond butter are my favourites), 5 tablespoons of honey and 60g unsalted butter.

In a saucepan, melt the butter, honey and nut butter on a low heat and stir until it melts and mixes together. Pour in the oats, nuts and fruit and mix well. Next, add in the coconut and mix well again. Pour out onto a medium-sized foil-lined tray and flatten out the mixture with a wooden spoon to cover all the tray. Place into the fridge for an hour (or the freezer for 30 mins) and then cut 16 squares.

Myth to debunk: Carbs are bad for you

Carbs are an essential part of our diet but have developed a bad reputation over the years, despite being your body’s main source of energy. Aim to consume around 40% of your daily calories from carbohydrate sources. Too few carbohydrates can make you feel weak, lethargic and unable to focus on even simple tasks.

If you have an endurance based workout planned for the day, you may find it beneficial to have a carb heavy meal beforehand for energy, and then focus on fats and proteins afterwards to aid with recovery and muscle repair.

 

Frozen Grapes – for when you need to replenish electrolytes after HIIT

I never thought of freezing grapes before, until a fitness instructor told me it was her favourite refreshing snack for rehydrating in between hour long classes. They taste like little bites of sorbet and all you need to do, is place them in the freezer overnight!

Myth to debunk: You need a sports drinks to replenish electrolytes

The idea of a sports drink is to replace the electrolytes lost through intense training sessions. Electrolytes are minerals found in the body which can be obtained from food and drink, which conduct electricity i.e. send messages all around the body, and are vital for the functioning of our organs and cells. You can lose electrolytes through excessive sweating, urination, diarrhoea and vomiting, resulting in an imbalance. An electrolyte imbalance can affect your nervous system, heartbeat, kidney functioning, muscle functioning and the balance of fluid in the body. In extreme cases, it can be fatal.

For most people, after a workout session or around 60 minutes a simple bottle of water and a post-workout snack of grapes or a banana will work perfectly fine to replace any electrolytes lost and there’s no need for a sports drink. Besides, many sports drinks on the high street are full of sugar, artificial colours and sweeteners, so they’re best avoided.

 

Banana Ice Cream – For when you want to prevent muscle cramps

This is ridiculously easy to make and makes a great pre-workout snack, as all you need to do is place a banana in the blender, blend until smooth and then freeze in an airtight container for over an hour.

If you want to make it a little fancier, try topping it with chopped almonds and a dash of Choc Shot. Cool, tasty and full of potassium!

Don’t have time to make ice cream? Simply pop a banana in your gym bag, it even comes in its own biodegradable wrapper, making it the perfect snack for on-the-go.

Myth to debunk: “Too many bananas will kill you”

There’s two misconceptions underpinning this myth, one is concerning radiation, and the other is overdosing on potassium.

With regards to radiation, it’s true that bananas contain a small number of radioactive isotopes. According to the BBC, a typical banana contains 0.1 microsieverts of radiation. To put that in context, a typical CT scan in a hospital exposes humans to between 10 and 15 millisieverts, so about 100,000 times more than your humble banana. The levels of radioactivity are therefore negligible.

It’s also feared that eating too many bananas will result in an overdose of potassium, which can cause stomach pain, and irregular heartbeat, diarrhoea and vomiting. Adults should consume about 3,500mg of potassium per day, according to the NHS. The average banana contains about 450mg of potassium, so a healthy person with normal-functioning kidneys, could consume at least seven-and-half bananas in a day before reaching the recommended daily amount.

 

About the Author

Editor of Beyond The Bathroom Scale and founder of The Health Mindset Programme, Karen is a twenty-something health & fitness blogger. After a huge lifestyle overhaul in 2011, she won her own personal battle against obesity and reversed hypertension and pre-diabetes. Karen’s passions are cooking, lifting weights, dance, yoga, swimming and chasing around after an active toddler.

 

 

*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date. 

With so many different weight exercises and drills it can be tricky to develop a favoured all-round workout. Indeed often it can be tricky to fit in time to focus solely on a muscle set. Therefore concentrating on compound exercises is the perfect way for that rounded session.

Compound exercises hone in on multiple muscle groups to hit multiple body areas in one go. So which ones should you try? We’ve picked out five workouts to facilitate all round gains.

 

Bent over row

Working your lats, upper arms and deltoid muscles, bent over rows provide a comprehensive barbell routine.

Starting with your legs slightly bent and an overhand grip on the barbell, slightly wider than shoulder width, bend your back to a 45 degree angle. Arch your back slightly and lift the bar up to your upper abs or lower pectorals before slowly moving the weight down again.

 

 

Dumbbell lunges

This exercise is a great all-round workout for your legs. Use heavy dumbbells to add tension and improve your grip technique in your lower arms before proceeding to smash out a set of between 8 and 12 reps. Working your glutes, hamstrings and thighs, this is an easy, yet comprehensive drill.

 

 

Squat jump into lunge

Use a lighter barbell this time, lifting it from the rack gently onto the back of your neck. With your feet shoulder width apart, jump straight up into the air and land in the squat position. As you complete the squat, flow straight into a lunge on each leg to complete one rep.

 

 

Zottman curl

This twist (literally) on a normal bicep curl makes a standard workout one of the simplest must-try compound exercises. Simply begin said bicep curl as normal, then, when fully contract rotate your wrist and forearm. With your palms facing down, lower the weight to give your forearms an equally rigorous toning.

 

 

Landmine Thruster

Perhaps one of the most overlooked pieces of equipment, the landmine offers  a wealth of possibilities. Thrusters are one of those compound exercises that works muscles all over your body, though it does focus on your legs, glutes and shoulders.

Start with the bar against your best, move into a squat position and return to a standing position with a bang. Explode upwards, extending your arms forwards at the same time as straightening your legs.

 

Are you a personal trainer? Before you try these with your clients, get a quick quote for our comprehensive personal trainer insurance.

 

*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date. 

Thinking of a change in career? Why not join the thousands of other Brits making a living as a personal trainer? Protectivity Insurance provided insurance for over 7,000 PTs in 2016, and with that number growing again it seems as if the fitness boom is set to continue.

But what are the best things about choosing this career pathway? Luke Hughes, co-founder of health and fitness training and course provider, Origym picked out the top five benefits of becoming a personal trainer.

 

(Almost) Unlimited Earning Potential

Whether you are offering one-to-one training, boot camps or aerobics classes, you control what you earn. You set your rates that you are happy to charge your clients and if they are fair, those clients will come. If you can take on a larger number of clients at one time, then your earning potential increases.

So, how much can a personal trainer earn? Within reason, the sky is the limit as to what you can make from a career as a PT. Do bear in mind though, it’s about quality not quantity. If you take on so many clients that you can’t offer them an excellent service, numbers will soon drop off.

 

Flexible Working Hours

Similarly, you can choose when you work as well as how much you earn from it. A personal trainer’s working hours are essentially controlled by yourself. You manage your schedule to coach clients when you want. So whether you are a morning person that specialises in the early morning workouts, a weekend warrior that likes to spend Saturday and Sunday training or a workaholic that doesn’t know when to stop, it’s up to you.

 

Become Your Own Boss

Controlling your earnings and your hours, you become your own boss as a personal trainer. The benefits to that are vast. You can take your business in the direction you want it to, without the need to cut through endless red tape. Whether you want to try new things or stick to a traditional method of training, it’s entirely up to you. As your own boss you also have the perk that should you wish to take some time off, you can! Just make sure you keep your clients well informed as to your availability in the meantime.

Make a Difference to People’s Lives

Yes they may be your customers, but as a PT you can really connect with your clients. They have placed their trust in you as a personal trainer to help them reach their desired goals.

Be it weight loss or muscle gain, if you can deliver the service they require, it can go a long way to changing someone’s life. The sense of satisfaction when you guide a client to another few kilos off their waist, or a few more added to their dead-lift, is second to none.

 

True Job Satisfaction

The benefits above all help achieve one thing as a personal trainer – true job satisfaction! It’s easy to see why so many people are turning their hand to a career as a fitness professional. From choosing your own hours to improving someone else’s self esteem, a career as a personal trainer is really second to none.

If you’d like to learn how to begin a career as a PT and discover the courses available to you, check out Origym’s website.

Already taken the plunge and are in need of personal training insurance? Protectivity’s comprehensive liability cover is a true market leader.

 

*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date. 

Making the decision to become a Personal Trainer represents an exciting time, as a career in the fitness industry is certainly one which can be both rewarding and profitable. Indeed, the sector is steadily growing an, according to Ibis World, there are almost 25,000 personal trainer businesses in the UK. Nevertheless, to be able to get started as a PT you will need to make sure you are fully qualified to offer your fitness activities. Without the proper qualifications you could find yourself invalidating your insurance.

So, the next question is “what qualification do I need to become a Personal Trainer?”. This article will look at some key considerations.

 

Industry regulation

While there is no legal requirement to hold a qualification to call yourself a personal trainer, the fitness industry in the UK is regulated to ensure safe practice. Most employers, gyms, and insurers require personal trainers to hold accredited certifications. The key regulatory bodies in the fitness industry include:

CIMSPA (Chartered Institute for the Management of Sport and Physical Activity) – The professional body for the UK’s sport and physical activity sector, ensuring trainers meet professional standards.

Ofqual (The Office of Qualifications and Examinations Regulation) – Regulates qualifications, exams, and assessments in England to ensure their validity.

UK Register of Exercise Professionals (REPs) – Though now replaced by CIMSPA, many still use REPs as a benchmark for professional credibility.

 

How do I know who is endorsed?

To do this you need to use a useful tool on the CIMSPA website. This tool will allow you to check if any provider you are looking at is genuinely endorsed by CIMSPA. (Tip: just because a provider chooses to display the CIMSPA logo does not necessarily mean that they are endorsed – always do this check).

 

Awarding bodies for personal training qualifications

If you are looking to become a personal trainer, it is crucial to select a qualification from an accredited awarding body. The most recognised awarding bodies include:

These organisations ensure that your certification meets industry standards and is widely accepted by gyms and fitness establishments.

 

What personal trainer course to choose?

Depending on your level of experience and career goals, there are different types of personal training qualifications available.

To be a qualified Personal Trainer, you need to look for a CIMSPA endorsed Level 3 Diploma in Personal Training. Before you do this, you will also need to complete a Level 2 Certificate in Gym Instructing – however most providers will offer these two as one course. It is important to note that all CIMSPA PT qualifications have Level 3 Nutrition automatically embedded.

 

Beginner Level

Level 2 Certificate in Fitness Instructing – This is an entry-level qualification that allows individuals to work as a gym instructor but not as a personal trainer.

 

Intermediate Level

Level 3 Diploma in Personal Training – This is the minimum requirement to work as a fully qualified personal trainer in the UK. It covers anatomy, physiology, nutrition, and program design.

 

Advanced Level

Level 4 Specialist Personal Trainer Certifications – These qualifications allow trainers to specialise in areas such as lower back pain management, obesity and diabetes, or strength and conditioning.

 

Highest Level

Degree in Sports Science or Strength & Conditioning – A university degree is not required to become a personal trainer, but it can provide advanced knowledge and open doors to elite sports coaching and research roles.

 

How long does it take to get qualified?

The time required to become a personal trainer varies depending on the chosen study method:

  • Full-time courses – Typically take between 6-12 weeks.
  • Part-time courses – Can take 6-12 months, depending on flexibility and study commitment.
  • Online or blended learning – Usually self-paced, allowing students to qualify within 3-12 months.

 

Routes into personal training

There are several pathways to becoming a personal trainer:

University Degree

A BSc in Sports Science, Strength & Conditioning, or Exercise Physiology can provide in-depth knowledge, but it is not a necessity to work as a PT.

 

Apprenticeship

A Level 3 Personal Trainer Apprenticeship allows individuals to learn on the job while earning a wage, making it a viable alternative to traditional courses.

 

Vocational Courses

Private training providers offer Level 3 Personal Training Diplomas in flexible formats, making them the most common route into the industry.

 

Additional Skills and Certifications

While a Level 3 qualification is the minimum requirement, additional skills and certifications can enhance career prospects, including:

  • First Aid & CPR Certification – Often required by employers and insurance providers.
  • Nutrition & Weight Management Certifications – Helps expand service offerings.
  • Specialist Training (e.g., kettlebells, HIIT, pre/post-natal fitness) – Enables trainers to work with a wider client base.
  • Business & Marketing Skills – Essential for personal trainers looking to start their own business or work as a freelancer.

 

To finish…

As you embark on your PT career, you should now have a better idea of choosing the best Personal Trainer course for you and getting started in the fitness sector.

Once you have those qualifications in place, make sure you’re covered with our specialist Personal Trainer Insurance.

 

Affordable Personal Trainer Insurance from Protectivity

Personal trainer cover from as little as £3.86 a month, get a quote today!

At Protectivity, we can cover you for a wide range of training activities, from traditional PT, yoga or aerobics instructors and many more. Simply choose a personal trainer insurance policy, select your activities and you’ll be protected as a personal trainer in minutes.

You’ll find public liability insurance from £1 million included as standard, professional indemnity cover and £500 worth of equipment cover. To reinforce your policy, you can increase your cover or include optional extras, employers’ liability, personal accident and overseas extension.

Please note, you are expected to hold a certified qualification in the activity you are instructing. In the event of a claim, failure to disclose this may invalidate your insurance.

 

*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date. 

Specialist personal trainer insurance

Fundamentally people hire a personal trainer to act as a professional advisor on their fitness regime. Through the drills and routines they set for their customers, the end goal, whether it be strength training or weight loss, can be attained.

However, it’s not always that straightforward. Injuries can occur and on rare occasions relationships between clients and customers can grow fractious.

For example, a client may feel that a particular personal training session has left them with an injury. If they believe that it was the fault of the trainer, they may go on to sue.

The trainer, on the other hand, may disagree. They may believe that any injury has come about because of the client’s failure to execute an exercise properly.

Whether the blame truly lies with the professional or not, they will still need to defend themselves if their client sues.

That is where Professional Indemnity comes into play.

The costs of defending such a claim can soon stack up. Furthermore, the financial implications can become even more severe should the court side with the client.

When a personal trainer takes out a policy with Protectivity Insurance, the level of Personal Liability cover (£1 million) is matched by our Professional Indemnity cover.

This means that legal costs are covered should a client claim negligence on the trainer’s part which results in injury. That includes any damages that may ensue should the court rule that the trainer was in fact to blame.

Professional Indemnity is just one of the benefits of ensuring you have comprehensive personal trainer insurance.

All of Protectivity’s policies come with the aforementioned Personal Liability and Indemnity match. But they also benefit from £250 equipment cover and Personal Accident cover, should they injure themselves during a session.

If you are a Personal Trainer and are looking for comprehensive Public Liability and Professional Indemnity insurance, then buy your personal trainer cover online now.

 

*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date. 

In 2011 a Red Tibetan Mastiff sold for a monumental 10 million Chinese Yuan (nearly £1 million) to become the world’s most expensive dog.

While the vast majority of people don’t have that kind of money to hand, let alone spend it on a dog, the cost of purchasing a pooch can often reach lofty heights.

 

What are the most expensive dog breeds?

The aforementioned Tibetan Mastiff, given the which translates from  Chinese to ‘Big Splash’ is a rarity but Tibetan Mastiffs often fetch prices of £2,000.

More common dogs, such as the King Charles Cavalier Spaniel and English Bulldog can often be sold for four-figure fees themselves.

 

What if something happens to these dogs?

Professional dog walkers regularly take responsibility for these animals, who are not only loved by their owners, but can also cost a lot of money.

And although the vast majority of dog walkers provide a service that goes without a hitch, problems do occur.

Dogs can injure themselves (or worse), while out on a walk with their professional carer while the inquisitive nature of some dogs can lead to them going missing.

For example in July 2016 four dogs went missing when their walker’s van was stolen by thieves in south London.

Just one month later and again in the capital, criminals snatched six dogs from another van, including two pugs and a Chihuahua, dogs often seen as ‘designer breeds’.

Should any of these things happen whilst walking a client’s dog, they could be held responsible for any financial implications that ensue.

Insurance offers some protection

Protecting a business from such claims is possible through something called Care, Custody and Control cover.

This means that should a dog get injured, go missing, or even die while in the care of a dog walker, that professional would be covered if claims were brought against them.

Protectivity’s Pet Business Insurance policy includes £25,000 of Care Custody and Control cover as standard, providing peace of mind to anyone walking dogs professionally.

Policies start at around £65 a year, and with that coming in at 30 times less than the cost of a French Bulldog, for example, taking the risk really isn’t worth it.

While ‘Big Splash’ may be valued at a tad more than most dogs, ensuring you have Care, Custody and Control cover with your insurance could protect you from a monumental financial hit should the worst happen.

 

*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date. 

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According to the National Child Measurement Programme, the UK’s youth is worryingly overweight. The latest instalment of the government report stated that one-fifth (20.1%) of Year 6 pupils (10 or 11-years old) were classed as obese, with more than a third (34.5%) recorded as overweight.

The increase is slow, but the percentage of obese children in the country has grown year-on-year since the reports were introduced.

A number of governmental initiatives such as the introduction of the sugar tax have been introduced to stem the problem. But more and more parents are taking things into their own hand and turning to personal trainers to help keep their offspring healthy and active.

This undoubtedly presents more opportunities for personal trainers to earn extra money through a new client-base. But are the risks of training children and young adults higher and do you need to take extra steps to ensure these clients are trained safely?

 

A different way of training

There are of course, differences when training children and young people to adults both physiologically and psychologically.

Psychologically children will be less engaged with goals such as weight loss or number of reps achieved. Therefore, adopting a fun approach will be more beneficial with the focus on children enjoying themselves while being physically active. It is vital to know the boundaries and pushing a child to their limits as you would an adult can be more detrimental with a risk of causing them unnecessary stress and potentially deterring them from exercise in the future.

Physiologically, children and young adults have not fully developed and therefore a risk of injury is increased. Tendons and ligaments aren’t fully formed and therefore any weighted activity and resistance training should be adapted to ensure they are done correctly and safely for children and young adults. Muscles and bones are still developing and therefore injuries caused from poor technique can have long lasting effects.

So does this put a personal trainer at higher risk of a claim for injury? And does their personal trainer insurance cover them for this?

At Protectivity Insurance if a personal trainer has undergone the right training and hold a qualification for teaching children and young adults then this would be covered under our Personal Trainer Insurance. Trainers would need to have carried out all the usual risk assessments such as getting the parents to fill in a PAR-Q.

 

Tips for personal trainers to keep safe whilst training children:

  • Ensure that any child under the age of 18 has parental sign off
  • You have par-q or similar and are aware of any medical conditions
  • Ensuring correct posture and form is extremely important when training children/teens
  • Adapt exercises to ensure safe technique is used
  • Adjust goals as necessary, know their limits and do not push too hard

 

Qualifications and cover are essential

Before starting to train children, PTs should check the terms of their insurance cover and ensure there are no exclusions to claims relating to children and that their policy allows them to do so.

Perhaps most importantly, is that you are qualified to train children. Without qualifications in place, it’s unlikely that your policy will cover you if something were to go wrong.

There are courses and qualifications that personal trainers can attend to ‘top-up’ their qualifications and insure they are able to teach kids safely. Training providers such as NRPTYMCA Fit and Platinum Training offer courses specifically designed to educate personal trainers on the risks of training children and young adults and how to do this safely including adapting exercises and drills.

Providing personal trainers are suitably qualified, there is no reason why training children and young adults should be of any higher risk.  For those who own a gym, PTs should ensure they are adequately covered by their gym business insurance to help protect themselves should any claim arise relating to the training of children or young adults.

 

*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date. 

While the number of fitness professionals in the UK is on the up, so too is the allure of becoming an online personal trainer. But while the traditional method of helping clients reach their goals isn’t risk-free, relying on a web-based delivery of your expertise is something worth doing with certain precautions.

Of course, the benefits and attractions of starting a career as an online fitness coach are obvious. By going online trainers can not only build their programmes at a time that suits them, but it also means they can maximise the number of clients paying for your services at any one time.
However, by posting your training and workout advice on YouTube or other social media channels, personal trainers are leaving themselves open to a potentially very costly legal case.

Insurance and online training

The first thing to note is that many insurance providers will not cover personal trainers for sharing their workout videos on line.

The concern for insurers, and therefore so to personal trainers, is two-fold. Firstly, by simply sending your clients (or other third parties) a workout video and plan over the internet, a fitness instructor has no control over how exercises are performed. If a client is attempting an exercise they have seen on a video online, but are executing it poorly, without face-to-face instruction, there is no chance for the PT to correct the exercise. That then, leads to a higher chance of injury.

Secondly, and more relating to personal trainer insurance, is that simply sharing your workout videos online mean that anyone, anywhere can see them. Should a member of the public attempt an exercise you have demonstrated and go on to injure themselves, they could attempt to sue you for your negligence.

The problem really comes if that person has seen your workout guide whilst in another country. Most standard personal training insurance policies will not cover you for claims coming from outside of the UK. Therefore, if legal action was brought against you, with no cover from an insurance policy, the costs of defending themselves would fall at the feet of the trainer themselves.

 

The steps to take whilst online training

At Protectivity, we ask that any of personal trainer cusatomers to comply with the below requirements for remote training/coaching/instruction (live or prerecorded):

In respect of any coaching or instruction that is undertaken remotely, it is strongly recommended that the Insured should:

1.At the commencement of the session, advise participants

  • that by participating they are doing so at their own risk;
  • a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate;
  • to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains;
  • avoid the use of blades, weapons or sharp instruments of any description;
  • avoid physical contact with other participants and where appropriate, adhere to social distancing guidelines;

2. Ensure that sessions are conducted for the benefit of existing members/participants/contacts only who have demonstrated sufficient suitability to participate; at the commencement of the      session, advise participants:

3. Continue to only instruct activities in which you are qualified to do so;

4. Record the session. Retaining the recording for a period of up to thirty-six (36) months may assist in any claim made against you

5. Maximum class size is 16

We also require individuals to ensure that all videos and content are delivered only to their clients. This could be enforced by the use of a paywall or by simply delivering the videos via email.

By restricting the viewing of such training videos to the clients they are intended for, it also means that in theory, personal trainers can ensure that all viewers have completed a PAR-Q (Physical Activity Readiness Questionnaire). This means that the physical health of those that the video training is taking into account before they are presented with a workout routine.

Regardless of whether it is shown to previously-known clients or not, it is always worth stating that any exercise undertaken without supervision is done so at that person’s own risk.

With those steps taken and other safety precautions followed, the prospect of a client injuring themselves is reduced. So to then, is the potential for a costly claim on your insurance policy.

 

*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date. 

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Thinking of organising your own sports event? It’s a great way to get everyone together, raise money for charity or even have a bit of fun. And with running, swimming and obstacle course races growing ever popular now are the perfect time to put an event like this one!

So what do you need to run this event in terms of insurance?

For those who may not have organised an event before or may not do this on a full-time basis the world of insurance can be a little confusing. And organisers want to know that the event can run without them needing to worry about whether they are covered or not. Therefore, we have put together a checklist of what organisers should be looking for when shopping for their sports event insurance cover;

Public Liability – First and foremost is public liability insurance and this is a term most people will be familiar with as most businesses will have it in place. This is insurance which covers the business should anyone claim against you for injury suffered which they deem to be the business’s fault. In the case of a sporting event, this could be participants, spectators or third parties who are injured whilst taking part or watching or whilst using the facilities. This also covers the event should damage occur to any third party property. This type of insurance covers your legal costs for a claim such as these. With Protectivity Insurance, policies can be taken out for £2, £5 and £10million public liability cover so it important to risk assess and decide on the appropriate level for your sports event.

Employers Liability – This type of insurance is a legal requirement for any business or event that has people working for them whether paid or voluntary. This covers the organiser for any claims made against their members of staff for injuries which have occurred to spectators, participants or third parties which have occurred as an alleged result of their negligence.

Equipment Cover – Some events may involve some sort of equipment and therefore it is a good idea to include cover for this should it get damaged, lost or stolen in the course of the event. At Protectivity Insurance this is offered as an add-on to our sports event insurance cover.  Do make sure you read your policy wording as there may be conditions on the policy such as it must be kept in a locked facility to reduce the risk of theft.

Buildings Cover – At Protectivity Insurance if they organiser is the owner of the business premises where the event is taking place we can offer buildings cover as an add-on to our sports event insurance. This will cover any damage to the building that occurs during the event.

Most insurance company, Protectivity Insurance included, will look at each sports event on an individual basis to decide on a cost as no two events will be the same.

At Protectivity Insurance, to get your sports event insurance quote simply visit our sports event insurance page and fill out the form giving us as much detail as you can about your event. We will then aim to get a quote back to you within two working hours.

 

 

*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date. 

Table of contents

In a time when the fitness industry is dominated by the giants such as Fitness First and Virgin Active, it is more important than ever for health and fitness clubs to partake in marketing activities. We have put together some marketing ideas which could really boost your health and fitness club.

1. Create Ambassadors

Find out more about those who work out in your gym regularly. They may be active in the health and fitness industry, amateur sportspeople, professional athletes, brand ambassadors or have their own blogs. These are the type of people you want to promote your business. They obviously already love working out and coming to your gym and never underestimate the power of word of mouth. Offer these a discount on membership or other incentives for helping you promote your business or some may even do it for free if they love it that much!

2. Open Days

If you have a great facility with the best equipment and friendly and helpful staff the health and fitness club will easily sell itself. All you need to do is get your potential customers passed the threshold to see exactly what you have to offer. The best way to do this is hold an open day where people can come and see the facilities you have and maybe even put on some free classes or personal training tutorials and show off what you can do for them.

3. Sponsor a Local Sports Team

Getting involved in your local community is a great way to spread the word about your health and fitness club. Sponsoring a local team such as football or rugby will mean you will get extra media coverage in the local press as well as having mini billboards running around the pitch with your logo on. Those that come and watch sports are likely to be more active so it gives you a great target audience to market to.

4. Member Referral Programme

Giving your members incentives for recruiting friends will encourage them even more to actively seek new members to your health and fitness club. Most people like to work out with people they know so being able to bring their friends along and earn a reward from it will be a great marketing tool. Giving members discount off their membership for them and their friend or a free class will act as great incentives in this type of scheme. As aforementioned, word of mouth is still one of the best marketing tools. If their friend encourages them to go then they are more likely to take up the offer!

5. Freebies

Everyone loves something for nothing! So drive people to visit your health and fitness class with free classes or taster membership. You could even help out the local community and put on classes which are on demand such as classes for new mums or teenagers which once they come to one class will want to try more! Giving away two-week taster memberships can also be a great way to entice people to try your gym out and make them much more likely to sign up once they have seen just exactly what you have to offer.

So now you know the best way to get your gym standing out above the rest, all that is left is comprehensive insurance cover. Get a comprehensive gym insurance quote today.

Do you run a sports club? Protectivity can provide comprehensive cover for many football, cricket, bowls and tennis clubs around the country.

Get your quote today by visiting our Sports Club Insurance page.

 

*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.