In the event of a claim, standard cover can help you minimise the risk of negative financial impact on your business.
$10 million public liability cover
The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.
$10 million product liability cover
The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.
$10 million professional indemnity cover
The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.
Coverage Australia-wide
Excludes overseas activities outside of Australia and New Zealand.
Tailored insurance solution for the fitness industry
Certain minimum qualifications apply.
A higher public liability limit can further minimise the risk of a negative financial impact in the event of a claim.
$20 million public liability cover
The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.
$20 million product liability cover
The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.
$10 million professional indemnity cover
The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.
Coverage Australia-wide
Excludes overseas activities outside of Australia and New Zealand.
Tailored insurance solution for the fitness industry
Certain minimum qualifications apply.
Whether you’re online or in the gym, fitness professionals have a duty of care to their clients – and any third parties. Reasonable steps need to be put in place for their safety and wellbeing. But even when these measures are taken, claims of negligence can still happen.
Having insurance that covers your unique risks can help provide security for your business – and peace of mind for you.
Why should you choose Marsh to arrange your insurance solutions?
Prices for standard cover for the fitness professional insurance policy depend on the liability limit you select.
If you select any additional activities on the application page, your premium may increase. Some activities, such as online operations, will not increase the premium.
You will notice that the premium will update each time an additional activity is chosen. But other activities will have additional premiums applied as per the insurer’s instructions – depending on the activities’ increased risk.
Marsh can help arrange competitively priced policies depending on your budget and level of cover.
Additional activities are subject to approval and may incur an additional premium. They include:
Internet operations
Training children under 16 years
Climbing ropes
Kanga training
Kanga trail extension
Kanga wheel extension
Kanga mix extension
Pre Kanga
Kanga burn
Kanga training kids
Kanga training kids – TINIES (18 months–3 years)
Kanga training kids – MIDIS (3–5 years)
Kanga training kids – Juniors (5–7 years).
Common exclusions include claims arising from:
Some activities are also excluded from this policy. These include home studios, nutrition advice (where a diploma or greater qualification is required), massage therapy, stand-up paddle boarding, pole climbing, powerlifting, counselling sports coaching (ie netball, cricket, rugby, AFL, soccer), Ninja Warrior, overseas activities, martial arts, hiking and trekking, and anything involving cargo nets.
For the full list of exclusions, download the policy document at the bottom of this page or speak with your broker.
Minimum of a certificate 3 or 4 in fitness from:
an Australian registered training organisation
New Zealand training body
South African training body
British/Irish training body.
And must have written risk management procedures for the below:
First aid
Blood spillage and infectious disease
Inspection of equipment
Emergency procedures in event of serious injury
Training pregnant clients.
No.
A fitness professional insurance policy arranged by Marsh can cover you Australia-wide.
Depending on your business, Marsh can arrange cover for a variety of venues – including gyms, parks, hired spaces and your client’s home.
Insurance for fitness instructors and personal trainers doesn’t have to be complicated.
With our easy-to-use online tool, you can get a quote and arrange insurance within minutes.
This depends on your personal situation.
Cover can reach up to $20 million.
Marsh can still arrange insurance for the following entities:
Pty Ltd
Training clients physically from own residence
Trust/partnership
Mobile trainers.
To learn more about your options please contact us.
We highly recommend you consider insurance for personal trainers (or PT insurance). Personal trainers should consider insurance to protect themselves and their clients. While not required legally to operate your PT business, you may be required to show evidence that you are insured as part of your contract with clients or business partners (e.g. to operate out of a premises).
Given the risk of personal injury is high in personal training, insurance should be considered to help protect your business, livelihood, employees (if you have them) and clients.
As a minimum you should consider the following types of cover:
However, you may need other types of cover depending on your circumstances, for example, if you rent or own a commercial space or studio to run your business, or you have a separate business vehicle. It’s a good idea to talk to a broker who can help you work out what insurance you need.
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.
LCPA 23/409
Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage.
This is a general overview of the policy. Please call us and ask for a copy of the insurer’s policy wording. We recommend you read the policy wording, so you have an understanding of the policy terms, conditions and exclusions before you decide whether this policy suits your needs.
