Am I covered to train clients online?

Under the terms of your Insure4Sport policy, you will be covered if you train your clients or conduct your classes online. We’re also delighted to announce that, in response to the current situation, we have taken steps to enhance this cover for you at no extra charge.

Where previously we only covered you to teach up to 6 people in an online session, regardless of the ratio outlined in your Insurance Scope, we have now enhanced this cover so that the coach to participant ratio for your sport now applies to online sessions. However, where the ratio is Unlimited, this will be a ratio of 1:30 for online sessions, meaning you can teach up to 30 participants in one session.

These enhancements apply to all sports in Risk Group A, as well as non-contact Martial Arts sports. Please check your Insurance Scope to make sure your sport falls into this category before training clients in this way.

There’s no need for you to do anything, this extra cover will be applied to your policy automatically during this crisis period for free until further notice.

Here’s what you’re covered for under the terms of our insurance:

1. Live, two-way sessions on applications like Skype, Zoom or Microsoft Teams.
2. Your sessions need to be live and both you and your client need to be able to see each other.
3. You need to be able to see all of your clients at the same time.
4. Pre-recorded videos that are shared withclients, e.g. emailed as an attachment or sharing a private YouTube video directly with the client.
5. Sessions which are hosted on Instagram or Facebook Live, or YouTube videos, providing it is private and the coach can control who is seeing it.
6. For any new customers on either live sessions or those that will be able to private pre-recorded videos must go through the normal onboarding process they would have done if you took them on a normal client e.g. a PARQ form.

What are the conditions of my cover if I’m teaching clients online?

These are the conditions of the cover:

• Before you start the class you must ensure:
  • Participants have checked the area where they’re working and have made sure there are no obstacles or hazards.
  • Participants are fit and well enough to complete the class.
  • Any equipment used by the participant is being used correctly, in line with the manufacturer’s guidelines.
• All participants must be UK residents and activities are being completed within the UK

What am I not covered for?

• Any exercises or moves which require physical contact e.g. throws, kicks, tackles with other participants in the class.  
• Any exercises where participants are suspended above the floor i.e. aerial hoop, rings.
• Any exercises where participants are completing gymnastic moves such as handstands, cartwheels and somersaults.

What’s more, if you’re teaching a pole fitness class, here are some rules to be aware of:

• Acceptable activities are limited to floor work and “Slow Flow” exercises.
• No inverted manoeuvres or handstands are to be instructed.
• The participant’s lowest part of the body must be no more than 1 metre above the floor at any time.
• Heels are not permitted to be worn.
• The class must be appropriate to the client’s skill level.
• You must train existing clients only and where there is a PARQ form on file.
• Pre-recorded video meeting the above criteria can only be shared privately with existing customers.
• The live streaming ratio is limited to 1 instructor to 6 participants.
• The poles must be purchased from a professional manufacturer and installed as per the manufacturer guidelines. The instructor does not accept any responsibility for faulty/defective equipment or incorrect installation.

Can I teach pole fitness online as this is a category B sport?

Yes. However there are a few conditions to the these sessions which are outlined below:

• Acceptable activities are limited to floor work and “Slow Flow” exercises.
• No inverted manoeuvres or handstands are to be instructed.
• The participant’s lowest part of the body must be no more than 1 metre above the floor at any time.
• Heels are not permitted to be worn.
• The class must be appropriate to the client’s skill level.
• You must train existing clients only and where there is a PARQ form on file.
• Pre-recorded video meeting the above criteria can only be shared privately with existing customers.
• The live streaming ratio is limited to 1 instructor to 6 participants.
• The poles must be purchased from a professional manufacturer and installed as per the manufacturer guidelines. The instructor does not accept any responsibility for faulty/defective equipment or incorrect installation.

If you’re an existing Insure4Sport policyholder

1. Log in to your online account. Here, you can access your insurance documentation and find out about the conditions of your policy.
2. If you’re still unsure, you can call us on 0333 400 9429 or email us at admin@insure4sport.co.uk (Monday – Friday, 9am – 5:30pm).

If you’re not an Insure4Sport policyholder

1. You can build your own quote in a few minutes here. As you build the quote, it will explain to you what you’re covered for.
2. If you have any questions about what we’ll cover you for which you’d rather discuss over the phone, you can call us on 0800 158 5530.