Personal Trainer Insurance is available for individuals and groups of PTs who operate within a network. There is no requirement for PT’s to be part of an association / peak body / network in order to qualify for insurance.
They don’t even have to keep up CEC points they just have to have completed Cert IV or higher in Fitness. Network Memberships do offer PTs extra support and guidance, so it’s recommended that fitness professionals join one or more of these peak bodies.
Operators of PT Studios can obtain more extensive cover for the PT’s working for them. They can also include their equipment, business interruption, management liability to mention a few covers.
Personal Trainers are diversifying in what they teach due to client needs and creating more marketing appeal. This diversification may include the trainer completing short courses in boxing, kickboxing and pad holding focusing on the fitness side. Most of what the trainer does with their clients is covered under the scope of the standard PT policy, but some activities fall outside of it. In fact some PT’s have been operating in grey areas of cover or completely out of it.
Here are a few examples of aeras a PT may not cover the insured:
# Getting clients to hold pads for another client
# Pre-arranged boxing / kickboxing partner drills with client to client
# Free range sparring with client to client
# Teaching what you are not qualified to teach
Claims in these areas open to the interpretation of the policy wording and if the Underwriters state it is not covered, the insured will have to defend the claim with their own resources.
At MAAIS we don’t want there to be any grey areas in a policy so its important to explain what you do to our brokers, so we can make it clear what you and are not covered for.
Our unique Martial Arts PT policy has greater scope covering activities such as the above, (sparring drills etc).
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