If you hold a Coaches, Instructors or Personal Trainers policy, all/only the named coach(es) listed on your policy are covered. This gives you protection while training your clients and allows you to work with any number of individuals or teams, your cover isn’t tied to just one group.
Public Liability Cover
If your policy includes Public Liability insurance, you’re protected if a claim is made against you for causing injury to a third party, including to a participant or student, or for damaging third party property. This includes cover for solicitor fees, court fees and compensation.
For example, if you’re running a class and an accident occurs due to your negligence as the coach, and a participant is injured and decides to sue you, this would fall under your Public Liability cover (subject to the usual terms and exclusions).
When a claim wouldn’t be covered
If an accident happens and you weren’t negligent in causing the injury/damage, then there’s no grounds for a claim against you.
Optional Extras
You can also add Personal Accident, Loss of Earnings, Employer’s Liability and Sports Equipment cover for the named coach on the policy, giving you even more protection while you work.
Check out these FAQs on the different types of policies and cover we offer:
What cover do I need?
What covers do you offer?
