Why choose our specialist fitness class participant insurance?
Aerobics and Fitness classes are not considered the most dangerous activities in the world, but if you injure yourself or another person, then the financial implications could set you back thousands if you don’t have a specialist insurance policy in place. Insure4Sport have created a specialist insurance policy specifically catered to those who take part in aerobic type activities, with the option to build your own policy so you only pay for the cover you need.
Why do fitness class participants need insurance?
If you’re a fitness enthusiast who takes aerobics and fitness classes on a regular basis, with Insure4Sport you can take out a policy which ensures you’re protected in the event of an accident. We cover your personal liability and you can add personal accident including broken bones, physiotherapy and loss of earnings to your policy.
Take a look at the following examples of why fitness class participant should have specialist insurance:- You injure yourself during a session or class and require physio treatment.
- You injure yourself during a session or class which means you can’t work and earn for a period of time.
- Your sports equipment is damaged, lost or stolen.
- You accidentally injure another participant during a session or class and they decide to take legal action against 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.
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