Name: Spinning Instructor Insurance
Brand: Protectivity
Rating: 4.8 (3735 reviews)

Question 1

Will my equipment be replaced on a new for old basis?

Accepted Answer

Yes, provided the insured value meets the cost of the new item.

Question 2

Can you advise me about the medical questionnaires I am meant to give to my clients?

Accepted Answer

Typically we would expect personal trainers to have a pre-exercise readiness questionnaire, which they give out to all of their clients. Usually, personal trainers have been taught about this in their training. We do not have a generic form that we are able to provide, although we need you to be aware of the medical condition of all your clients.

Question 3

Can you cover me for instructing children?

Accepted Answer

Yes, we can cover personal trainers who instruct children. We expect trainers to have obtained a suitable qualification for teaching children.

Question 4

Am I covered to offer nutritional advice?

Accepted Answer

Yes, provided you hold a relevant qualification.

Question 5

How much cover do I need?

Accepted Answer

To determine what level is right for you or your business it’s important to consider the likelihood of a claim and the potential costs that may be incurred should a claim arise. If you use third-party facilities you should check to see if they have a minimum requirement. Often local authority facilities and schools require a minimum of £5 million.

Question 6

Can you cover me to teach outside of the UK?

Accepted Answer

Yes, providing you have selected the appropriate option of either Europe or Worldwide (excluding the USA). You must be a UK resident and cover is limited to 30 days during the annual period.

Question 7

I instruct clients outside of a gym, will I be covered for this?

Accepted Answer

Yes, we’ll cover you for teaching anywhere in the UK, be it in a third-party gym, client’s home, or a public area. All we ask is that you’re qualified.

Question 8

Do I need to hold a First Aid certificate?

Accepted Answer

No, it’s great if you have one, just in case a client needs first response assistance, but it’s not compulsory.

Question 9

Can this policy cover more than one coach or trainer?

Accepted Answer

Yes, subject to the other trainers/coaches being part of your company and only if you select “Partnership/Limited Company” as your business type. You will also need to consider Employers’ Liability if these other trainers/coaches are to be included in your policy of insurance. We are unable to cover bona fide subcontracted trainers/coaches on your policy of insurance.

Question 10

Are there any restrictions on where I train?

Accepted Answer

As long as you are qualified there are no restrictions as to where you can take your personal training sessions or exercise classes. Be it in a gym, at home or in a local park we can provide cover for you. We do ask that the appropriate risk assessment is carried out beforehand.

Question 11

Am I covered for working online?

Accepted Answer

Yes, provided you comply with the requirements for remote coaching/instruction (live or pre-recorded). Ensure participants are advised they are participating at their own risk, and that they take steps to ensure a safe environment and health considerations are met. You must ensure you are qualified for the instructed activity, and retain recordings for up to 36 months to assist in case of a claim. Maximum class size is 16.

Product Category: Sports & Leisure Business

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