Gallagher Insurance

Fitness professionals’ legal liabilities – and how to protect yourself

Whether you run a fitness facility of any kind, teach classes or conduct training, fitness professionals are exposed to risks in the form of legal liabilities.

Members of FITREC receive;

• Access to member-only rates when arranging insurance through Gallagher
• Advice from specialised insurance brokers
• Cover for a broad range of modalities & qualifications
• A choice of Public Liability, Product Liability and Professional Indemnity limits suited to your needs, such as;
  • $20 million Public Liability cover
  • $20 million Product Liability cover
  • $5 million Professional Indemnity cover

Here’s what you need to know about legal liabilities and the insurance coverage that helps protect you in the event an issue arises in your work.

1. Professional indemnity

If you provide a service or give your clients advice then professional indemnity will provide assistance if one of your customers is dissatisfied for whatever reason and makes a legal claim against your business.

Whether you are at fault or not, or if the case actually goes to court, professional indemnity insurance helps cover legal defence and settlement costs, as well as reputational damage control.

2. Public liability

Similarly, if members of the public have access to your premises or you deliver some services off-site, someone outside your fitness business can hold you liable if they suffer an injury (including psychological impacts) or damage to their property that they believe is due to your business activities.

Public liability insurance protects you and your business against legal costs and what could be substantial damages arising from an incident you may be completely unaware of.

How a broker can help you with your business insurance?

At Gallagher we arrange insurance coverage for fitness professionals, ensuring that you get the right cover for your profession. Our insurance schemes also have the flexibility to accommodate additional coverage, which makes it easier to upgrade your protection as needed. 

To find out more, to obtain a quote or for our contact details, please click here.

Want to talk? Get in touch on 1800 222 012 or email [email protected]

To the extent that any material in this document may be considered advice, it does not take into account your objectives, needs or financial situation. You should consider whether the advice is appropriate for you and review any relevant Product Disclosure Statement and policy wording before taking out an insurance policy.

We remind you that Gallagher are insurance brokers and not legal advisers. This information is to be considered incidental to the insurance product/s being provided. This material has been prepared for informational purposes only, and is not intended to provide advice, and should not be relied on for legal advice. 

You should consult your own legal advice before engaging in any transaction.