Public Liability Insurance: Who Qualifies and What You Get
Learn how public liability insurance protects freelance fitness professionals against claims if a client is injured during a session.
Public liability insurance is a standard requirement for fitness professionals to protect them if a client is injured during a workout session.
Who it's for
This is for all freelance fitness professionals working in the industry.
What you get
This insurance provides protection if a client makes a claim against you because they were injured during a session you conducted. It helps cover the costs associated with these legal claims.
What it costs you
You will need to pay an annual premium to keep your coverage active. While prices vary, you can typically expect to pay between £50 and £150 per year.
The catch to know
Your insurance coverage is only valid if you stay within your certified scope of practice. This means if you perform exercises or services that you are not formally trained or certified to provide, your insurance may be void, leaving you unprotected.
How to apply
- Check your current level of certification and training.
- Contact an insurance provider that specializes in fitness professional coverage.
- Select a plan that matches your specific professional scope.
- Pay the annual premium to activate your protection.