Here are some top tips for Personal Trainers looking for insurance protection:

• Check that your cover is appropriate to what you teach. Does your insurance cover you for all the activities you are qualified to teach?

• Check public liability insurance is written on an ‘occurrence basis’ not ‘claims made’. So if you decide to change your career and consequently cancel your insurance you will still be protected if a claim is made against you for an incident that took place whilst you were still instructing.

• If you teach at a leisure centre or sports centre who is responsible for ensuring insurance cover is in place?  Don’t get caught out – check if it’s you or the centre.

• Personal Accident can be a valuable benefit at a small additional cost. Check to see if the insurer can offer this too.