Why do you need Personal Trainer Civil Liability Protection? Well you can't be a member of the NRPT without it for a start!
But on a more basic level you could be held liable for any injury that a client of yours claims is a result of something you have advised or shown them to how to do. This could range from a twisted knee from stepping down from a 3 inch platform to a slipped disc or broken leg from a much heavier fall or exercise. This could effectively ruin your business financially, not to mention the worry and stress caused by the court case.
Regardless of how good you are as a personal trainer, Civil Liability covers you against a client's claim, should you have acted negligently.
** You must be a member of the NRPT to take advantage of this protection policy. **
Civil Liability & Professional Indemnity
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Our Protection policy is for an individual (or business with a turnover of under £35,000) to cover against Civil Liability to pay damages arising out of their negligence. Covering UK residents, cover is provided if you are undertaking temporary trips overseas to instruct. The Limit of Indemnity is £5,000,000 in respect of Civil Liability which includes Professional Indemnity. The policy covers Fitness Instructors and Sports Therapists.
With the increasingly litigious nature of society and the rising amounts of damages awarded in UK courts, this is essential protection for your personal training activities.
Personal Trainer Civil Liability & Professional Indemnity Cover: Fee of £80.00 for the ?5m limit (incl of 5% Insurance Premium Tax and a nominal administration fee)
Sports Therapy & Personal Trainer Civil Liability & Professional Indemnity Cover: Fee of £146.50 for the £5m limit (incl of 5% Insurance Premium Tax and a nominal administration fee)
** The policy is written on a Claims Made basis and a precis of the policy is available - full policy details are available on request. Cover is provided 50% by Royal & SunAlliance Insurance Plc and 50% by Insuresoprt Mutual Ltd.. |
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