Professional Indemnity Insurance can help cover personal trainers and their business if a client suffers an injury or financial loss as a result of the trainer’s advice or service. Without Professional Indemnity Insurance, a personal trainer could be liable for the associated claim legal fees and compensation payments.
Learn more about why professional indemnity is an important insurance policy to have.
A fitness professional insurance policy arranged by Marsh can cover you South Africa wide.
Fitness professionals can also train at a variety of venues as part of their insurance policy arranged by Marsh, including indoor gyms, outdoor at parks or hired community halls or at a client’s home.
Small business owners, including specialised fitness professionals, owe a “duty of care” to their clients to ensure reasonable steps are put in place for their safety and, additionally, for the safety of other third parties. As negligence lawsuits can be unpredictable and very costly, public liability insurance can be a solution to help cover the cost of compensation for third-party injury or property damage and legal fees incurred in defending the claim.
As a fitness professional, there are several situations that might put you at risk of a professional indemnity claim, such as: