What is Professional Indemnity?
The Professional Indemnity Insurance covers you for claims that arise when a third party, usually a client, alleges that your professional advice, design or service as a fitness instructor or personal trainer was negligent and caused them a loss. The loss could be any or all of the following bodily injury, property damage or financial loss. So the Professional Indemnity covers claims that arise from a breach of the duty that you owe as a professional. The Network Insurance policy covers you for $5,000,000 of Professional Indemnity.
What is Public Liability?
The 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. Public Liability however does not cover claim resulting from your negligence, it covers the claims that arise from a breach of duty you owe to people in general. The Network Insurance policy covers you for $10,000,000 or $20,000,000 of Public Liability.
What activities am I covered for?
You are covered for the activities which you are qualified to teach. If you are not qualified for the activities which you are teaching. you are not covered. For example, if you are teaching Pilates classes you must have a qualification to do so.
What do I do if I have a claim?
When you receive a letter of demand, you need to send a copy of the letter and all communication to do with
the incident including the incident report to email@example.com as soon as you receive the letter of demand. From there we will deal with the claim, which means you no longer have to.
Can I do Outdoor sessions?
Yes, you can do outdoor sessions provided that you have permission from your local council to be using the outdoor areas. Also, as an outdoor environment cannot be controlled like it can be in a gym, extra care needs to be taken when conducting classes or sessions outside.
What is an adequate ratio of Instructors to Students?
Common sense should prevail and you should limit the class sizes to a level which is reasonably able to be managed in the circumstances. This depends on the venue, the age of participants, the experience of the trainer and the type of exercise being undertaken.
Common management principles suggest that 6 is the optimum number of participants in any one exercise for the best supervision and results to be achieved. Practical issues such as economics arising from the fee collection at any one time is another critical factor, numbers cannot be limited to the degree to make the exercise uneconomic.
The same exercise on an open field however is less able to be adequately managed than in an enclosed area, so fewer numbers is better.
What is an Aggregate Limit - refer Professional Indemnity?
It is the maximum amount the insurer will pay for all claims over the policy period.
What is my Excess?