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:
a. that by participating they are doing so at their own risk;
b. a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate;
c. to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains;
d. avoid the use of blades, weapons or sharp instruments of any description;
e. 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.
