101: Insurance for Health and Wellness Professionals

Written by Skye Theodorou, Co-Founder & CEO of upcover, Australia’s fastest insurance for small businesses.

“What am I liable for?”

The world of insurance can seem overwhelming, but as a health and fitness professional it’s crucial to understand what type of insurance you need, when you need it, how it can protect you, and what exactly could go wrong.  We’ve spoken to the Co-Founder & CEO of upcover, Skye Theodorou, to demistify what you could be liable for if something does go wrong when you’re providing health and wellness services.

Should I take out an insurance policy?

The short answer is yes. It’s important for any health professional that helps clients on their fitness and wellness journey to look into insurance options. This may be just for peace of mind or because someone you work with or for has asked you to take it out. 

101: Insurance for Health and Wellness professionals

The most typical cover you might take out is for professional indemnity insurance and public and products liability insurance. In short, public liability insurance can help to protect you and your business against liability claims if someone is injured on your premises or while you are providing your services. Professional indemnity insurance can cover you in the event of a breach of contract, or against claims made off the back of advice you’ve given or a service you’ve provided.

So, what could go wrong? 

Unfortunately, a lot. We see clients everyday making claims for unforeseen accidents and incidents that happen while they’re working. Planning in advance for worst case scenarios can help you safeguard yourself and your business if something goes wrong.

To give an example, here are some simple explanations of how insurance might protect you if something goes wrong in a personal training business:

  1. Physical Injury
    You’re a personal trainer and during a weights training session with a client, you accidentally drop a 5kg slam ball-breaking their big toe.
  2. Trips, Slips and Falls
    At your regular sunrise boxing class, one of your newer client’s gets lost on the warm-up run and falls down some disused stairs on the walking track close to the council park that you run your class. They are seriously injured and off work, and make a claim that you didn’t provide proper instructions.
  3. Negligence

While preparing a client’s exercise plan as part of their fitness package, you do not consider an existing medical condition leading to health complications.

  1. Error of Judgement
    During a one-on-one gym training session with a client, you push them to pick up more weights than they were comfortable with leading to injury and they were unable to work as a construction worker for 12 weeks.
  2. Bad Professional Advice
    Your client sustains a back injury from a leg machine exercise you recommended as their personal trainer.
  3. Third Party Damage
    You accidentally damage the wall at your client’s house during a client visit workout session.

What else should I check? 

When looking into insurance for yourself and your business, also consider these two important things:

  1. Make sure that you and your business are confident that certifications and training requirements are all accurate and up to date – and that only those team members that have appropriate training are providing certain services.
  2. Make sure that you have cover for everywhere you might be working. You can ask your insurance provider for confirmation of this – whether it’s by Zoom or virtual classes, council parks, at a gym, as well as covering your specific activity. 

Information provided is general advice only and has been prepared without taking into account any person’s particular objectives, financial situation or needs. 

No Comments

Post A Comment