Insurance & Liability

What is Professional Indemnity Insurance?

Professional Indemnity covers you for claims that arise when a third party (usually a client) alleges that your professional advice, design or service (as a PT/ fitness instructor) was negligent and caused them a loss or injury e.g. bodily injury, property damage or financial loss. If a third party makes a claim against any wrongdoing, mistake or breach of professional duty.

Professional indemnity helps protect your reputation, your business and your business assets.

What is an Aggregate Limit - refer Professional Indemnity?

It is the maximum amount the insurer will pay for all losses incurred within the policy period.

What is Public Liability Insurance?

Public Liability covers a claim against you for bodily injury and property damage to a third party, that arise from the operation of your business as a fitness instructor or personal trainer. A claim may arise because of negligence by your or your staff, such as failing to demonstrate reasonable care for others resulting in injury.

What Activities am I covered for?

You are covered for activities that you’re suitably qualified to instruct within Australia- so long as you are not running your own commercial premises or home studio. If you are not qualified for the activities which you are teaching, you are not covered, eg. if you are teaching Pilates classes you must have a qualification to do so.

Can I do outdoor sessions?

Outdoor sessions are fine provided that you have permission from your local council to be using the specific area. An outdoor environment cannot be controlled like an indoor facility, so additional care needs to be taken when conducting classes or sessions outside

What is AUSactive's reccomended insurance levels required.

For Professional Indemnity (PI) it is recommended at a minimum level of $5 million and for Public Liability (PL) insurance minimum level of $10 million.

• Related Articles

• Insurance Upload

  Please see the following instructions on how to upload your insurance to your dashboard: Log into your AUSactive dashboard Locate the First Aid/CPR/Insurance Tab on the left hand side menu and select Insurance Navigate to "My Insurance Policy" Select ...