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Fitness Insurance

  • Public liability indemnity – £10 million
  • Professional indemnity – £1 million
  • Personal accident cover
  • Cover for online and virtual training
  • And much more!

Get Protected

Enjoy the peace of mind that comes with being protected by specialist insurance

Being a health and fitness professional carries that small but nagging risk of injury befalling a customer. You will do your best to minimise this risk but it is also a comfort to know you are well covered should the worst-case scenario materialise.

Get protected with UK Coaching's specialist fitness insurance – the same comprehensive cover previously enjoyed by members of the Register of Exercise Professionals (REPs).

 

What's Included?

£10million public liability insurance – this cover includes liability arising from any advice you may provide and liability for products that you use or sell (e.g. someone alleges your coaching method has caused them an injury and sues you for compensation).

£1 million professional indemnity insurance – this cover includes liability for financial loss arising from your advice or instruction, including breach of copyright or intellectual property rights (e.g. someone alleges you’ve copied their copyrighted online training programme and sues you for compensation).

Personal accident cover – this includes 50k death and loss of eye(s) or limbs benefit, and £100 per week for temporary disablement (payable for up to 13 weeks starting from the 29th day of disablement).

Cover for online and virtual training – you can coach and work with clients remotely, including hosting live workouts or uploading pre-recorded instructional videos. See our FAQs below for more information on what’s covered.

24 hour legal and tax advice – you can call this helpline any time, day or night, for advice on legal or tax matters in the United Kingdom. Given in confidence, the advice is free and you pay for just the cost of the call.

Counselling services helpline – confidential service available to help you deal with personal issues such as bereavement, divorce, the thread of violence in the workplace and bullying at work.

Risk solutions helpline – provides advice on safety, fire, security and other issues that can affect your business. This service is available during normal office hours (Monday to Friday from 9am to 5pm).

The policy covers a registered fitness professional to instruct in any area (in the context of exercise and fitness) in which they hold an approved qualification.

This policy will not cover the following unless it is an endorsed programme in the context of exercise and fitness: Sports Coaching, Physiotherapy, Tai Chi, Martial Arts and Boxing. Please read the UK Coaching Fitness Insurance Cover Leaflet for more information.

 

For 12 months' cover (equivalent of just over £4.50 a month)

Premium inclusive of Insurance Premium Tax (IPT of 12% at £3.32)​

FAQs

Insurance cover is provided whilst working abroad in European Union countries only whilst remaining a UK resident for up to 6 months.  The Geographical limit under the Public Liability section of the Liability schedule is noted as European Union. The EU countries are: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and the UK.

The policy will cover a registered health and fitness professional to instruct in any area in which they hold an endorsed piece of training – as long as it is in the context of exercise and fitness. Cover for undertaking of all manner of additional coaching, including running clubs, water sports, climbing, etc. can be arranged directly through UK Coaching insurers: [email protected] / 0845 366 6666.

Please read the UK Coaching Fitness Insurance Cover Leaflet for more information.

You can coach remotely, including hosting live workouts or uploading pre-recorded instructional videos, on the basis that:

  • you are suitably qualified to coach the activity
  • the activity can be performed in someone’s home
  • you ask participants to check their surroundings are clear and to keep any distractions, such as pets, away during the session
  • you specify at the start of any session that your coaching is a means of general guidance and motivation. It is the participant's responsibility to be aware of their own capabilities and do what they are comfortable with. Medical advice should be sought if there is any doubt
  • you remind participants to stay hydrated
  • you're mindful of using copyrighted music/material.

In regards to uploads of your own pre-recorded instructional videos and training material, your insurance provides cover for injury claims resulting from someone doing the exercise and also financial claims arising from breach of copyright and professional indemnity type risks.

If you are coaching vulnerable adults or anyone under 18, then there are potential safeguarding points you will need to consider:

  • Gain written consent from their parents/guardians. Explain the purpose of the training, when it will be done and on what platform, etc
  • Use an online-sharing platform to avoid needing any of your participants' contact details (other than their parents'/guardians'), and only use it for the purpose of the training
  • Do not make contact with your participants outside of your coaching sessions unless you have explicit parental/guardian consent
  • Ensure that you and your participants wear appropriate clothing at all times.

Use this example disclaimer text in your training content, eg in the description of a YouTube upload. NB This is not a legally binding disclaimer. You must take responsibility for your sessions and the content you produce - whether it's live or pre-recorded instructional videos. 

You are entitled to cancel the UK Coaching fitness insurance at any point during your insured period. You will be refunded the full amount of £56.00 within the first 14 days of cancellation. A pro rata return of your premium subject to a minimum retained premium of £10.00. We also will not refund any amount of £10.00 or less. If you have notified a claim under this policy you will not be entitled to any refund. Administration fees are not refundable.

UK Coaching is operated by Coachwise Limited and insurance premiums and fees are collected by them. Coachwise Limited is an Appointed Representative of Howden Insurance Brokers Limited, which arranges insurance on its behalf with Hiscox Insurance for liability insurances and RSA for Personal Accident Insurance.


Coachwise Limited is an Appointed Representative of Howden Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority in respect of general insurance business. Howden Insurance Brokers Limited is registered in England and Wales under company registration number 725875. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.