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Ensuring that your training session is correctly insured

Matthew Howard explains how you can protect the reputation and security of your Training business.

As a personal trainer, you will be well aware of the risks and implications of injury during exercise, which is why you will stress the importance of the right attitude, technique and training regime to each one of your clients.

As a personal trainer, your clients will place their trust in your training, experience, and expertise to help them meet their fitness goals in a suitable environment, using safe equipment in a manner that minimises the risk of serious injury.

However, accidents can happen despite your best efforts to ensure that your clients can train in the right environment. When they do occur, the implications for your business could be severe. The client may argue that they have suffered an injury due to incorrect advice or defective equipment.

In such cases, not only could the reputation of your business suffer, you could be liable for any losses that your client may have suffered as a result of their injury. This could include lost earnings (if your client has been forced to take time off work), medical expenses and long-term care costs, as well as any legal fees that may arise from a claim.

Professional indemnity insurance is designed to cover the cost of defending your business from any such claims. Suppose a client has suffered an injury due to poor advice from you or one of your employees, failure of equipment on your premises, or any other reason for which you could be liable. In that case, the professional indemnity will typically provide cover for the following:

  • Legal fees that may arise from defending any claim made against you or your business
  • Any damages that may be awarded as compensation to a client that has made a successful claim against you or your business
  • The cost against claims made against you for poor service

Ensuring that you have the right insurance policy for your needs is essential. If, for example, you have employees, it is a legal requirement for you to have employer's liability insurance, which protects you from any claims made by an employee.

Additionally, you can extend your professional indemnity insurance policy to ensure that your business is fully protected should the unexpected occur. This could include:

  • Cover for theft of or accidental damage to training equipment or office equipment, such as laptop computers
  • Cover for any claims arising following the loss of customer data, such as client contact information
  • Cover for theft or damage to office equipment, such as computers and mobile phones

Professional indemnity insurance can be specifically tailored to the needs of you and your business.

Page Reference

If you quote information from this page in your work, then the reference for this page is:

  • HOWARD, M. (2013) Ensuring that your training session is correctly insured [WWW] Available from: [Accessed

About the Author

Matthew Howard is a freelance writer.