Specialist sports insurance for:
Body Step Coaches & Instructors
Insurance for fitness and dance instructors
As a Fitness and Dance class instructor, you will be dealing with members of the public on a regular basis and it is therefore essential that you have insurance to protect yourself against possible costly claims that may arise from third party personal injury, property damage or incorrect advice given, where you have been found to be negligent. You have a duty of care to all clients you instruct, and by having a specialist insurance policy for fitness and dance instructors, you will feel confident that you can provide training advice and care for each member of your class whilst helping them get fit.
What does fitness instructor insurance cover?
Whether you are employed by a company or are self-employed, we can tailor an instructor policy for you. If you’re just starting up or have been in this field for years, we all know that unfortunately, accidents can happen, but making sure you’re covered for all eventualities is an essential safety step to take.
Our flexible policies offer you the chance to operate your business wherever in the world you would like to go. Simply tick the worldwide box when completing your policy, and you’re insured anywhere in the world you’d like to lead fitness and dance classes.
The flexibility doesn’t stop there; you’re covered no matter where you hold your classes, whether that is in a gym, studio, leisure facility, your home, the client’s home, or even outdoors. An Insure4Sport insurance policy for fitness and dance instructors can also protect you from any damage, loss or theft of any equipment you may possess.
Simply fill in which areas and eventualities you would like cover for, and get an instant fitness instructor insurance quote today.
Why do I need sports coach insurance?
Our specialist sports coach insurance has been designed to provide protection from the risks that come with the job. Whether you coach full-time, part-time or have a temporary contract there is always a risk of possible liability claims arising following incorrect advice or guidance given. We can also cover damage, loss or theft of any equipment you may use whilst coaching, plus we offer personal accident and loss of earnings cover should you injure yourself whilst coaching and be unfit to continue working for a period of time.
Take a look at the following examples of why every coach and instructor should have specialist insurance:
- During a session a player or student damages equipment at a venue you are using.
- A specific action you teach is brought into question if a client suffers an injury resulting from your advice or instruction.
- You become injured during a coaching session which means you can’t work (and earn) for a period of time.
- You injure yourself during a coaching session and require physio treatment.
- Your sports equipment needed to coach or teach is damaged, lost or stolen.
- One of your employees seriously injures themselves during a coaching drill and claims compensation from you.
Public Liability Insurance covers you for third party injury or damage to property.
Professional Indemnity Insurance protects you from legal action following advice given.
Provides financial support should you receive an injury whilst carrying out the activity which you are insured and you are unable to work. The maximum benefit period for this cover is 52 weeks. There is an excess of 14 days on this section.
Personal Accident Insurance (sometimes referred to as Sports Accident Insurance) ensures that should an accident occur whilst carrying out the activities for which you are insured you will be entitled to compensation.
insure4sport provides a benefit for Accidental Death, Permanent Disablement, Loss of Limbs and Sight up to £50,000. Plus there is cover in place should you require Physiotherapy or Emergency Dental Treatment. We will also financially compensate you should you require a hospital stay or break a bone.
Provides protection against loss of, theft or damage to your valuable sports equipment should the unthinkable happen. Cover for items less than a year old is on a new for old basis. A Single Article Limit of £2,500 and a £50 excess applies to all claims. Sports equipment excludes bicycles and bicycle accessories. This cover is however available through our bespoke bicycle product “Cycleplan”. Please visit www.cycleplan.co.uk for further information.
Employers Liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site. If you are a business or employee people this is a legal requirement.
If you employee volunteers you should still select the option but leave the wage roll values clear.
Participant to Participant Liability provides cover if one of your participants/players injures another participant/player during a sport where tackles, scrums, mauls, or throws are permitted (e.g. football or MMA). If you’re a coach or instructor, and you are deemed liable, then you will be protected.
We won't be beaten on price
Our Lowest Price Guarantee means that if you find the same cover for less, we'll refund the difference
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Covered for online sessions
If you’re unable to train clients in person, you’re covered to train classes of up to 30 people in live, or pre-recorded, online sessions.
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