Personal Trainer FAQs

Q. What does the policy cover me for?
A. This policy will cover for injury or damage caused by, or arising from, any tuition, instruction or advice. The policy will also cover third parties and third party property damage caused by either the coach or those being taught.

Our personal trainer insurance also includes Professional Indemnity which will cover the trainer for injury or damage caused by or arising from any tuition instruction or advice given by or on behalf of the Insured in respect of the activities contained within their business description.

Q. Do I need to hold a First Aid certificate?
A. No, it’s great if you have one, just in case a client needs first response assistance, but it’s not compulsory.

Q. I instruct clients outside of a gym, will I be covered for this?
A. Yes, we’ll cover you for teaching anywhere in the UK, be it in the gym, client’s home or a public area. All we ask is that you’re qualified.

Q. What is the difference between £1m, £2m, £5m and £10m Public Liability?
A. This is the maximum amount we will pay for an incident which results in a claim or claims being made against you.

Q. How much cover do I need?
A. 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.

Q. How quickly will my documents come?
A. We will issue your insurance certificate immediately after you have paid for your personal trainer insurance. They will be emailed to you instantly.

Q. Can you cover me to teach outside of the UK?
A. 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.

Q. Am I covered to offer nutritional advice?
A. Yes, provided you hold a relevant qualification.

Q. Can you cover me for instructing children?
A. Yes, we can cover personal trainers who instruct children. We expect trainers to have obtained a suitable qualification for teaching children.

Q. Can you cover more than one coach under a policy?
A. No, this policy is intended for individuals who are self-employed personal trainers/sports coaches. Please see our sports business area for more information on sports business insurance.

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

Q. Will my equipment be replaced on a new for old basis?
A. Yes, provided the insured value meets the cost of the new item.

Therapist Insurance FAQs

Q. What does the policy cover me for?
A. The policy offers the following cover:

Public Liability which will cover you for any injury or damage to a third party or their property caused by, or arising from, any tuition or instruction that you give during your business activities.
Professional Liability (also known as Medical Malpractice) which will cover is available to protect you against claims relating to physical injury or psychological damage deemed to have been caused by your business activities.

Professional Indemnity which will cover you for injury or damage caused by or arising from any tuition, verbal instruction or advice given by or on behalf of the Insured in respect of the activities contained within your business description.

The policy also offers Equipment and Personal Accident cover as optional extras.

Q. How quickly will my documents come?
A. We will issue your insurance certificate immediately after you have paid for your insurance. They will be emailed to you instantly. Should you wish to have your documents sent to you by post, we are happy to offer this service but at a charge. Please call a member of our team to discuss this further on 01494 887909.

Who underwrites your insurance?

A. Our Therapist Insurance policy is underwritten by CFC Underwriting. They provide insurance to over 50,000 businesses in more than 60 different countries.

Q. Do you cover students?
A. No, our Therapist Insurance policy will only protect those who qualified in there chosen treatments. The qualification must be obtained by an accredited awarding body.

Q. Do you need to see my qualification certificates? 
A. No. You will only need to produce your qualification certificate(s) in the event of a claim. When you purchase your insurance we will ask you to declare that you have a suitable qualification for the activity that you require cover for.

Q. What if I train in new treatments or therapies whilst I am insured with you?
A. Providing the activity is one of the 250+ that we cover under this insurance and you have qualified via an accredited awards body, then we can add it to your policy and you will be covered. We ask that Call one of our team members on 01494 887909 (Mon-Fri, 9am-5:30pm).

Q. Can I amend my policy at any time?
A. Yes, we appreciate that circumstances can change. It’s important that you notify us of any changes that may affect your insurance, please call us on us on 01494 887 909 to discuss your requirements.

Q. Will you cover me if I operate abroad?
A. No, our cover will only protect you during your business activities carried out in the United Kingdom.

Q. How long will your insurance cover me for?
A. All of our public liability insurance policies are annual. If you require insurance for a shorter period, please contact us to discuss your requirements. To speak to one of our advisers call 01494 887 909.

Q. Is there a cooling-off period?
A. Yes, should you change your mind or wish to cancel your policy for whatever reason we offer a full refund within 14 days of purchase provided no claim has been made. Where cancellations are made after 14 days of the start date of the policy, the premium refund will be provided on a pro-rata basis and an administration fee will be charged.

Health & Fitness Club FAQs

Q. What does the policy cover me for?
A. All our health & fitness club insurance will include public liability should one of your customers or a member of the public gets injured whilst using your facilities. Professional Indemnity is included which will cover you should someone get injured by or arising from any tuition, instruction or advice given, as long as they are appropriately qualified to do so within your business. Should you employ any staff (including volunteers), you will legally need employers’ liability which we can also incorporate.

Q. Will my equipment be replaced on a new for old basis?
A. Yes, provided the insured value meets the cost of the new item.

Q. How quickly will my documents come?
A. We will issue your insurance certificate immediately after you have paid for your health and fitness club insurance.

Q. Do you include buildings and contents cover?
A. We would need the full details of the type of health and fitness club which you operate before we can confirm whether or not we can provide buildings and contents cover. Please contact one of our Protectivity advisers to discuss your building and contents requirements further by Tel: 01494 887909 or email: enquiries@protectivity.com

Sports Coaching Insurance FAQs

Q. What does the Protectivity Sports Coaching Insurance policy cover me for?
A. This sports coaches insurance policy will protect you from claims of injury or damage caused by your coaching, instructing or having given advice. The policy will also cover claims from third parties and third party property damage caused by either the coach or those being taught.

Q. How quickly will my documents come?
A. We will issue your insurance certificate immediately after you have paid for your sports coaches insurance

Q. How much cover do I need?
A. 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

Q. What sports am I allowed to teach?
A. We will cover you for any of our listed sports, on the basis that you hold a relevant qualification which allows you to teach the sport.

Q. Do I need to hold a first aid certificate?
A. No, it’s great if you have one, just in case a client needs first aid response, but it’s not compulsory.

Q. Can you cover me for coaching children?
A. Yes, we can cover coaches who teach children provided suitably qualified.

Q. What coaching ratios can I work to?
A. We expect you to work to the ratio of 16-1 unless you hold a qualification which stipulates otherwise. If you coach in a school where support staff are available then we will be happy to increase the ration to a normal class size, so 30-1.

Q. Can you cover more than one coach under a sports coaches insurance policy?
A. No, this sports coaches insurance policy is intended for individuals who are self-employed sports coaches. Please see our sports business insurance area for more information.

Q. Will my equipment be replaced on a new for old basis?
A. Yes, provided the insured value meets the cost of the new item.

Q. Can you cover me to coach outside of the UK?
A. Yes, providing you have selected the appropriate option of either Europe or World Wide (excluding USA). You must be a UK resident and cover is limited to 30 days during the annual period.

Sports Business Insurance FAQs

Q. What type of Sports Businesses do you cover?

We insure thousands of sports businesses every year who operate within the sports and leisure industry. Our speciality is sports coaching businesses who operate in schools covering PPA. Our sports business insurance packages cover the key requirements any business would need but importantly we review each business and its operations to ensure its business activities are covered, which gives you the peace of mind to do, what you do best.

We’ll consider any business that has an involvement with sport or leisure, including multi-sports coaches, gyms and fitness centres. Claims don’t occur very often but having been providing sports insurance for over 20 years we know they do and we know the costs involved should something happen.

Q. Do I need Public Liability Insurance?

All our sports business insurance policies include public liability as standard. This means that your sports business will be protected from third party claims made against you, whether that is accidental injury to another person or damage to third party property.

Q. What is Professional Indemnity?

Professional indemnity, or sometimes known as professional liability, will protect your sports business for any advice, tuition or instruction which has been given by a suitably qualified member of your staff.

Q. Do I need Employers’ Liability?

No matter what type of sports company you may run or own, you will need employers’ liability insurance if you are employing anybody, whether they are a paid member of staff or volunteers. Employers liability will protect you against any claims from your employees (including volunteers) who have been injured or become seriously ill as a result of working with you. Employers’ liability can be included to any sports business insurance policy with Protectivity at a small cost.

Sports Club Insurance FAQs

Q. What type of clubs do you insure?

We can insure the following clubs; running clubs, football clubs, golf clubs, dance clubs, martial arts clubs, cricket clubs, ramblers clubs and associations, tennis clubs, fishing clubs and many more. If you have any questions regarding your club just give us a call on 01494 887909 and we’ll be happy to talk through your club’s needs with you.

Q. Do I need Public Liability Insurance?

All our club insurance policies include public liability as standard. This means that you will be protected from any third party claims made against you, whether that is accidental injury to another person or damage to third party property, and/or claims made by any members of the club.

All individuals who take part in sport and recreation have a duty of care to ensure they do not cause personal injury, financial loss, or damage to property.

If their actions do cause injury, loss or damage and “negligence” can be proved, they become liable to pay for compensation as a result of their actions.

Q. What is Professional Indemnity?

Professional indemnity, or sometimes known as professional liability, will protect your sports club or association for any advice, tuition or instruction which has been given by a suitably qualified member of your staff.

Q. Do I need Employers’ Liability?

As a club owner or manager you will need employers’ liability insurance if you are employing anybody, whether they are a paid member of staff or volunteers. Employers’ liability will protect you against any claims from your employees (including volunteers) who have been injured or become seriously ill as a result of working with you. Employers’ liability can be included in any sports club insurance policy with Protectivity.

Sports Events Insurance FAQs

Q.What does the policy cover me for?
A. This sports events insurance policy will protect you from claims for injury or property damage. We can additionally protect you against claims from an injured member of your staff (including volunteers) by including Employers’ Liability.

Q. How quickly will my documents come?
A. We will issue your insurance certificate immediately after you have paid for your sports event insurance.

Q. What type of sports events do you cover?
A. We insure all types of sporting events, most popular being obstacle course and multi-sports events. Unfortunately, because we have such an extensive list of events that we can cover, we don’t list them all on our Protectivity website. You can find out whether we would insure your sports event by clicking here and filling out our quote form or by speaking to one of our advisers via telephone (01494 887909) or email (enquiries@protectivity.com).

Q. Is there any age stipulation with your sports events insurances?
A. No, there are no age limits on sports events insurance.

Sports League Insurance FAQs

Q. Why do I need insurance?

As well as protecting yourself as a league organiser from 3rd party claims the likelihood is that you will also require some specialist league insurance in order to run the league. This may be because you are using hired or rented facilities and as a result the local authority or facility owners may request proof of insurance before the league can commence. At Protectivity our league insurance package not only allows you to meet the requirements of facility owners but will also protect you against 3rd party claims.

Q. Will I need Employers’ Liability?

Sports leagues which employ members of staff, whether on a paid or voluntary basis will also require employers’ liability alongside the league insurance cover. Employers’ Liability insurance enables businesses to meet the costs of damages and legal fees for employees who are injured or ill at work. As a result it is a legal obligation for businesses in the UK who employ staff to have employers’ liability insurance to provide cover against a claim by an employee.

(Employers’ liability insurance will not be required in the instances where sub-contractors with their own insurance of at least £2m public liability are used).

Q. How quickly will my documents come?
A. We will issue your insurance certificate immediately after you have paid for your sports league insurance.

One Off Event Insurance FAQs

Q. Can you cover my event outside of the UK?
A. We are only able to provide cover for events taking place within the United Kingdom

Q. I am not a UK resident, can you still cover my event?
A. Our policy is designed to cover events organised by UK based individuals. Therefore, if you are not based in the UK, we are unable to offer cover.

Q. Is there a limit to the number of people that can attend my event?
A. We can cover events with up to 20,000 attendees. If you anticipate having more than this number, please get in touch and we will see if we can assist.

Q. What is the maximum length of time my event can last?
A. We provide bespoke quotes for events with a duration longer than 4 days.

Q. What level of Public Liability do I need for my event?
A. We cannot recommend which level of cover you need for your event, but if you are hiring a space from a Local Authority or another third party we advise you to check with them whether they require a minimum level of Public Liability.

Q. What is included under Contents and Equipment cover?
A. We include a wide range of items under our Content and Equipment cover including installations, lighting and rigging, marquees, computers, technology, merchandise and tools. For a full list, please see our policy wording. Any contents must be owned by you or come under your legal responsibility as the event organiser and cannot be a permanent fixture.

Q. How close to my event should I purchase my insurance?
A. You should take out your One Off Event Insurance policy as early as you can. By purchasing your cover at the earliest opportunity, you are giving yourself the maximum protection against cancellation, if you opt to include this cover.

Q. Do I need to take out Employers’ Liability for volunteers?
A. If you have anyone working for you, whether they are paid or otherwise, you legally must take out Employers’ Liability. The only exception is if those staff are bona fide sub-contractors with their own Public Liability of at least £2 million.

phoneFurther Questions?

Who to call?

Protectivity Sales Team:
01494 887909

Opening hours;

Mon-Fri 9:00.a.m – 5:30.p.m