Running your own fitness or personal training business can be a great way to make your living.
You’re your own boss, you can work your own hours while enjoying the great outdoors. But when you’re dealing with people and equipment, and they’re exercising, you run the risk of someone getting injured or accidents happening. If someone were to make a claim against you, it could hit you hard financially and that can be tricky to recover from when you’re a sole operator.
Phoenix Insurance Brokers works with people just like you, who run personal training businesses in Australia. While every business is different, the types of insurance most commonly taken out by fitness and personal training professionals are public liability insurance, professional indemnity insurance, worker’s compensation insurance and types of business insurance if they own a gym.
In terms of public liability insurance, often local councils require proof of this type of business insurance before allowing personal trainers to train people at local parks so having this type of insurance in place really is a must. Similarly, if personal trainers use gyms owned by others, they may also be required to have public liability insurance cover.
Having the right business insurance in place will give you peace of mind so you can focus on training your clients to realise their fitness potential instead of worrying about what might happen.
If you operate your business in WA, NT, QLD, NSW, ACT, VIC, TAS or SA – our personal trainer insurance brokers can help. Get A Quote »
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Insurance Broker
At Phoenix Insurance Brokers, we know insurance can be complex and challenging. That’s why we work alongside our clients making sure they have the best level of protection. And, as a valued Phoenix client, in the event of a claim, we always go the extra mile to ensure all entitlements are received. As a personal trainer, you run your own unique business, so you’ll need insurance that is tailored to your requirements. That’s why there’s a range of insurance policies on the market to protect your business. Your Phoenix Insurance Broker understands the risks facing your business and can work with you to make sure you have the best personal trainer insurance in Australia in place.
Insurance is complex. Knowing which policies to choose from to protect your business involves specialist knowledge. Phoenix Insurance Brokers has been providing insurance advice to Western Australian businesses for more than 30 years. We have the knowledge and experience to know what you need to protect yourself and our service is second to none. We also know you’ll love our friendly and highly qualified team.
Using Phoenix Insurance Brokers Perth gives you access to economies of scale and insurance packages that have been specially developed through our alliance with the Steadfast Group, Australia’s largest insurance broker cluster group. Our Steadfast alliance ensures our clients receive Phoenix’s signature personalised service together with the benefits of Steadfast’s impressive buying power.
Phoenix can assist with all your general insurance needs including accessing and reviewing your insurance, full claims management, arranging premium funding and risk management.
Not only will your Phoenix Insurance Broker help you decide which policies are right for your business, they can also package multiple policies together so you only pay one premium that you can spread out over a year (to assist with cash flow). Your Phoenix Broker will also work with you to make sure your insurance changes as your business changes, so you’re only paying for what you need or you’re adding cover as your business grows.
We’re here to assist you every step of the way. With three locations throughout the state in Como, Busselton, and Broome, one of our branches is local to you. Our head office is in Preston Street in Como. Our Broome office represents our clients in the state’s North-West while our Busselton office has been servicing our clients in the South-West for almost 20 years. We also cater to clients in the Rockingham and Peel regions.
Insurance can be complex. Often you think you’re doing the right thing by taking out a particular policy, only to find you’re not adequately covered for a scenario when it comes to making a claim. This can be costly, time-consuming and frustrating.
As experienced business insurance brokers who understand small and medium-sized businesses, Phoenix can work with you to ensure you have the right policies in place to protect you so that if the worst should happen, or something unforeseen occurs, you can minimise interruption and get back to training your clients as soon as possible. When you’re with Phoenix, we take care of the details, giving you peace of mind to get on and do what you do best.
Some people dream of running their own business but that doesn’t mean there aren’t challenges and risks along the way and a lot of hard work. While we can’t improve the fitness of your clients, we can put you on the right path when it comes to business insurance. Having the right insurance in place is essential to protect your business against unexpected challenges.
When you run your own business, there are always administrative things to take care of and stay on top of. You probably don’t have time to sift through the different types of business insurance policies available on the market.
That’s where we can help.
After getting to know your business and your budget, we’ll weigh up all the risks and your unique business situation and suggest policies tailored to your needs. Below are some of the different types of insurance to consider for your personal training business.
Public Liability insurance can help protect you if someone claims they’ve become injured, or their property has been damaged due to you being negligent in the way you conduct your personal training business.
Let’s say your client trips over the cord to a treadmill injuring their knee or their back. They could make a claim against you.
Even if it’s not your fault, it can cost you dearly in legal fees to defend a claim. Public Liability insurance is strongly recommended for self-employed people as a claim against you could jeopardise your personal assets and finances if you don’t have this type of insurance in place.
As your business revolves around you providing fitness advice to your clients, Professional Indemnity insurance is a must for personal trainers. Even though you might be very experienced and highly trained, providing advice can expose you to the risk of negligence lawsuits or claims.
Professional Indemnity insurance can help personal trainers protect themselves, and their business if someone claims a loss, an injury or even damage to their property due to your advice or service.
Without this type of business insurance in place, personal trainers could potentially be liable for expensive legal fees and compensation payments.
Professional Indemnity insurance can also protect your reputation and prevent you from having to settle a claim against you quickly due to a lack of funds.
If you employ other trainers or staff, you need to take out Worker’s Compensation insurance. This type of insurance is mandatory throughout Australia and protects you from costs if one of or more of your fitness professionals is injured, has an accident, or falls sick because of something at their place of work.
If you run a gym or have your own premises, you may also like to consider Business Insurance which can cover you for property, contents, business interruption, theft, equipment.
Your Phoenix Insurance Broker can tailor a package to your business requirements.
Running your own fitness business can be hugely rewarding. Of course, it’s a lot of hard work, but the joy of creating your own fitness brand, building up a regular clientele and seeing them achieve their fitness goals can be very satisfying. Now that we’ve covered the basics and some insurance options for you to consider, there’s no better time to get in touch with your local Phoenix Insurance Brokers to talk about how we can help you safeguard your business.
While insurance is our business, our philosophy is about people and building strong, solid relationships with them. We partner with all our clients to achieve the best possible outcomes, for them, their families and staff, and their businesses.
The most common types of personal trainer insurance are Professional Indemnity, Public Liability, and Workers’ Compensation insurance which can cover you and your staff should someone make a claim against you.
Public Liability insurance can cover you in situations where your personal training business causes damage to property or injury to a client or other third party, and you are liable for the related costs. Professional Indemnity insurance however protects you when something happens or someone experiences something due to the professional advice you have given them. Having both types of insurance in place is often recommended to provide fitness professionals with comprehensive cover.
If you are a personal trainer and you train clients from your home, your home and contents policy will most likely not cover you in terms of the scope of cover you’ll need. To make sure you’re adequately covered, you’ll need specialised personal trainer insurance.
You must have workers’ compensation insurance for anyone you employ in your personal training business including full-time workers on a wage or salary, part-time, casual, and seasonal workers. This is a mandatory insurance in Australia.
In the event, you need to make a claim, get in touch with your Phoenix Insurance Broker and we’ll guide you from there. Remember that we work for you, not the insurance company. Whether you need advice, you need to make a claim on your restaurant insurance or change your policy, your Phoenix Broker will take care of all your restaurant insurance needs.
Yes, you can make changes to your restaurant insurance policy. If things change, such as your address, or you employ more staff, and you want to make sure your insurance still covers you, simply call your Phoenix Insurance Broker on (08) 9367 7399 or email us at info@phoenixins.com.au.
Your insurance renewal offer will be sent to you prior to the renewal date. Once you’re happy with the details (taking into account any changes in cover and price), all you’ll need to do is pay your renewal by the due date. Your Phoenix Broker is there to discuss any details with you at any stage of the renewal process.
It’s up to you! Your Phoenix Insurance Broker can work with you to not only bundle your insurance policies into a package that’s tailored to your requirements but also manage your premiums by paying them monthly to assist with cash flow or annually if you prefer. Phoenix is your personal training insurance broker!
For all your personal trainer insurance needs and questions, contact us on (08) 9367 7399 or at info@phoenixins.com.au. You can also view our full contact details and locations.
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