What is a Fitness Instructor?

In insurance terms, a Fitness Instructor conducts one-to-one training or group exercise within a club facility.

Which group exercise activities are covered on the policy?

We’ll cover general exercise classes with and without equipment, Boxercise, group studio cycling, dance based exercise, exercise in water, Pilates, yoga, martial arts, body training systems, junior fitness, Jazzercise, chair-based exercise, fitness fx and friskis & svettis.  If your activity is not listed here you can still apply for fitness instructor insurance through the quote engine.  We will call you back to discuss your requirements and refer your case to the underwriter.

What does my Fitness Instructor insurance policy cover me for?

Your fitness instructor policy provides public liability and professional indemnity cover.  Public liability insures you against damages and legal costs arising out of third party bodily injury and third party property damage.  It is written on an ‘occurrence basis’ which means that any valid claim occurring during the period of insurance will be paid at any point in the future, subject to the statutory limitations laid down by the law. Professional Indemnity is written on a ‘claims made’ basis and insures you for breaches of professional duty arising from negligent acts, errors or omissions.

Are there any other products available?

Yes, with a combined liability policy you can also apply for personal accident and sports massage.  Our personal accident cover pays 75% of your average weekly earnings up to a maximum of ?100.00 per week and this is payable for up to 104 weeks excluding the first fourteen days.  Sports massage is available for only ?44.00 (including IPT) and will provide you with additional liability cover for giving therapeutic sports massages. Please note this does not cover you for complementary therapies.

What are the benefits of Personal Accident cover?

Accidental death                                                                                   ?5,000.00

Loss of limb(s), eye(s) or hearing                                                           ?50,000.00

Permanent total disablement from carrying out any gainful                      ?50,000.00
employment for which fitted by education, training or knowledge            

Temporary Total disablement from carrying out any gainful employment  75% of average weekly
for which fitted by education, training or knowledge. Benefit payable       earnings up to a max. of
for 104 weeks excluding the first fourteen days                                      ?100.00 p.w.

Emergency dental treatment                                                                   ?500.00

Personal accident cover refers specifically to the periods travelling to and from the place where the fitness instruction takes place and the period of the actual exercise session.

I am a personal trainer; can I still be covered on this policy?
Professional Fitness also offer a Personal Trainer insurance policy, where personal training is the main activity of the instructor and takes place off club premises.  Select the Personal Trainer policy when you enter the quote engine. Or if you take part in both group fitness and personal training we can cover you for both on one policy.

Can anyone apply for cover?

The cover is limited to residents in Great Britain, Northern Island (max. public liability ?2m), the Isle of Man, the Channel Islands or at valid BFPO addresses.

Are there exclusions or limitations to the policy?

• You must hold a recognised qualification in the activity(s), which you are insured. Failure to have the appropriate qualification will render the insurance cover invalid.
• Cover is not available for participant-to-participant claims where one participant causes damage to another during a class.

*Up to three years after insurance expires, subject to individual underwriting criteria.