What can result in a personal training insurance claim?
The majority of people that take out insurance policies for anything never need to make a claim. But when a claim is made, it is often saving that person hundreds, if not thousands, of pounds.
Incidents do occur that result in injuries and court cases every day. Without the correct insurance, the cost of defending yourself in court can reach eye-watering levels. And that’s before any judgement is passed.
Personal trainers, by the very nature of their occupation, put themselves in a position of trust that they are providing a safe and effective service to their clients.
Claims from our personal training customers have stemmed from a variety of different things. The spread of variables shows that a small outlay for a good insurance policy can save thousands down the line.
What can result in a claim?
An injury to your client during a session
This is perhaps the most common cause of a claim when it comes to personal trainers. It could come as a result of a client slipping on a wet floor or a weight which has not been secured properly falling on them. Whether it was the trainer’s fault or not, Public Liability and Personal Indemnity will cover the legal costs to defend themselves as well as any payments if the ruling goes against them.
An injury to your client after your session
An injury doesn’t necessarily have to occur during the sessions for a personal trainer to be liable for a claim. Personal trainers are likely to give their clients suggestions on what to do in terms of exercise outside of their working relationship. However, should someone injure themselves following that advice, they could seek to blame, and sue, their trainer. Professional Indemnity, included as standard in Protectivity’s policies takes the financial burden in this instance.
A breakage at the gym
Many personal trainers carry out their sessions in public gyms, meaning the equipment they use is not theirs. Should any breakages or damage occur at the hands of the trainer or their client, then a claim could follow. The Public Liability aspect of their insurance policy protects the trainer from these costs.
Damage to your equipment
Similarly, other trainers will use their own gym equipment in their sessions. Damage does happen and with Protectivity’s personal training policies, £250 is covered as standard. Trainers are able to increase this cover up to £30,000 to ensure that all their tools of the trade are protected against damage and theft.
An injury to you
Claims don’t necessarily have to stem from an injury to a client. Personal Accident cover (available with our policies) protects the trainers themselves. Should they injure themselves whilst taking out a session, depending on the severity of their injuries they could be in a position to make a claim.
As demonstrated, there are a large number of things that can result in a personal trainer needing to make a claim. Furthermore, there are other variants that could come into play which result in a claim.
Without comprehensive personal training insurance, a trainer could be liable for all of those costs.
Visit our personal training insurance page to get a quote and buy your cover in a few minutes.