Independent sports coaches or personal trainers in Australia require carrying out many administrative procedures in their profession. Among them is the subscription of several insurances. This subscription protects them from any undesired situation within the framework of their job.
Like any other occupation, sports coaching is also not spared by the possible occurrence of undesired incidents during the sessions. These can concern both coaches and clients. Having the right type of insurance can help in such scenarios.
Read on to know which insurances are a must in this trade:
#1 Professional Liability Insurance
The first fitness insurance to opt for as a sports coach is professional liability insurance. It covers damage caused to a third party in the course of your work. Thus, you will not have to take full responsibility for paying compensation for the damage suffered.
The damages coverage by professional civil liability can be of bodily or materialistic nature. These damages can be caused to a customer by you, your employees, your sports machines, or any other object owned or rented by the company. Regarding the causes, negligence, recklessness, professional misconduct, or other nature are covered by the insurance (with some exceptions).
Tip: This professional liability personal trainer insurance is mainly for sports coaches with independent status. Employees working in a company benefit from the insurance purchased by their company.
#2 Auto Insurance
Many sports coaches visit their clients regularly. If you are one of them and use your car for this purpose, it is essential to have civil liability protection during your daily commute. This insurance protects you against damage that you can cause to others – like the pedestrian, motorcyclist, or anyone else passing the road.
#3 Insurance Of Business Premises And Property
As a fitness coach, you may have invested in gym equipment like weighted balls, floor mats, punching bags, jump ropes, etc. You are committed to protect these gears and ensure their proper usage. Still, you can not control certain things like your treadmill’s breakdown due to any XYZ reason.
Similarly, the premises are also subject to damages like a break-in, fire, etc. So, in addition to being careful and respecting the usual precautions, you will certainly need insurance to obtain a claim for any unforeseen destruction to equipment and premises.
#4 Legal Protection
In the event of a dispute with a client, it is important to be aware of your and your client’s rights and the various solutions and remedies available to resolve the situation. And for this, you will need legal assistance. Therefore, opt for such insurance that offers you the advice of experienced lawyers who can guide you in any circumstances.
DO YOU FOUND THIS POST HELPFUL? LET US KNOW IN THE COMMENTS!