Insurance for Gym Instructors, Personal Trainers and Fitness Professionals

For newly qualified fitness professionals getting started can be a daunting prospect, and if you are thinking of working freelance then we recommend that the first thing that you do is to invest in an appropriate professional insurance cover.  For this to happen, it is almost certain that you have a recognized gym or fitness instructor qualification and we would also recommend registering in the Register of Exercise Professionals.  (REP’s).  This is perhaps the most convenient and cost effective way of getting insurance and you will be in good company with most fitness professionals covered in this way.  Below is an overview of the cover, and you can click on the PDF attached if you want more information.  Cover starts at £46 for Level 2 Instructors, and £63 for Level 3, but you should contact Rep’s for more information.

Insurance Requirement


All members of the Register at levels 2 or 3 are required to hold adequate civil liability insurance which covers (your) legal liability for death, injury or illness to others and loss of, or damage to, third party property. Validation is confirmed at the time of first registration and then at every annual re-registration.

If you are in full-time employment your employer should countersign your registration or re-registration form confirming that you are fully insured under their policy. No further individual public liability insurance cover is required.

However, if you are self-employed, or undertake any work where you are not under direct contract with an employer (and therefore covered by their policy) you must either:
  • Provide a copy of the details of your current insurance cover, or,
  • Take the optional public liability insurance which is detailed in this leaflet, Including making full payment

The Register requires you to hold an annual liability policy with a minimum indemnity of £5,000,000. If the limit of indemnity applies in the aggregate, then the minimum requirement is £10,000,000.

The Register Insurance Scheme offers the option of public liability limit of either £5million or £10million, and this cover includes liability arising from advice provided and products liability.

 


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Alan Jackson
Director of Discovery Learning

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