We offer policies for personal trainers, fitness & sports coaches, sports teams and individual players/participants. The type of policy you select should match what you are looking to cover i.e. a team/sports club, coach/PT or individual player/participant.
We offer a non-advisory service so unfortunately, we're not able to advise on what cover you need however we can provide some information on what our policies provide so that you can choose what is best for you.
Under our policies we offer cover for Public Liability (includes FREE Professional Indemnity cover), Personal Accident with the option to protect Loss of Earnings, Sports Equipment and Worldwide cover. We also offer cover for Employer's Liability under our Coaches and Teams policies.
The level and type of cover you need really is up to you. Our policies are built around you so you can choose your cover from a wide range of options available. You can choose from:
Public Liability – up to £10m to protect your legal liability should a third-party be injured, or third-party property be damaged, through your negligence whilst training a client or engaging in your insured sport, and then that third-party wanted to sue you. This covers costs like compensation, court fees and solicitor fees. The injury or damage needs to have occurred during a match or training session that you took part in.
Professional Indemnity – included free with Public Liability. This protects you if advice you give results in a client or participant being injured. It also covers breaches of professional duty such as defamation, confidentiality issues, or alleged errors or negligence that lead to a client suffering financial loss or injury.
Participant to Participant – covers your legal liability if, through your instruction or advice, one client or participant injures another.
Personal Accident – provides up to £50,000 in compensation if you suffer death or a serious injury while coaching, training, or taking part in your chosen sport.
Loss of Earnings – provides up to £750 a week cover if you injure yourself whilst coaching or training and are unable to work (available with Personal Accident cover).
Sports Equipment – provides up to £50,000 cover against theft, loss or damage whether it’s at home, at work or whilst it’s being used. What’s more, we offer free cover on the first £250 worth of equipment. This means for example, if you wish to insure £750 of equipment, you will only pay for £500 worth.
Employers' Liability – provides up to £10m in compensation for employees who suffer illness or injury as a result of their work duties, whether the incident occurs on or off site.
Worldwide – up to 6 months cover abroad.
If you are not sure what cover you need or which level of cover to select we would recommend speaking to any venues you plan to use for training as well as your employer (if applicable) as they should be able to advise on the minimum level of cover that they require you to hold.
Need more info on the types of policies and cover that we offer? Check out these FAQs:
What do the different policy types mean?
What is Public Liability & Professional Indemnity insurance?
What does Personal Accident & Loss of Earnings cover me for?
What is Employers' Liability Insurance and do I need it?
What does Sports Equipment insurance cover me for?
Am I covered abroad?
