One-on-one and small-group PT, in your studio or on the road: cover for your space, your gear and every client you put through a session. GymCover arranges one flexible business pack for Australian personal trainers: public liability, your equipment on-site and off, and the income you’d lose if you had to close. Priced live by Australian insurers.
Personal training is personal. The risk sits in the hands-on coaching, the gear you own, and the fact that you often train clients wherever they are: a studio, a park, their home.
A trainer with no studio can switch on public liability alone, with portable equipment for the gear in the car; a studio adds property and lost income. One thing a business pack does not include: professional indemnity, the cover for the advice and programs you charge for.
These are the moments cover is built for. Personal training’s exposures follow you into the studio, the park and your clients’ homes.
A client trips over kit, or a bench gives way. Public liability responds to claims that you were legally responsible. A claim that your advice or program caused the injury is professional indemnity territory, outside a business pack.
The gear you’ve invested in, on-site or in the car. Property and portable cover protect it against damage and theft.
You train at parks, homes and other gyms. Cover can follow you and your equipment away from a fixed base.
If insured damage stops you operating, business interruption can help with the income lost, for the indemnity period chosen.
Eleven sections sit inside the GymCover pack. These are the ones personal trainers and PT studios most commonly switch on. You choose the sections; we size the limits and excess around how you train.
You’re held legally responsible for injury to someone at your session (in your studio, a park or their home), or for damage to someone else’s property.
Limits up to $20M
The gear that travels with you: dumbbells, bands, mats, laptops and speakers, covered away from site.
Cover away from site
Your studio fit-out, benches, racks and stock, protected against fire, storm, water and accidental damage.
You set the value
Cable machines, treadmills and electronics that stop working through mechanical or electrical failure.
Repair or replace
The income you’d lose while an insured event stops you training clients.
For the period you choose
Break-ins and stolen equipment or stock, plus cash on site and takings.
Contents & takings
Eleven sections in one pack. Glass, employee fraud, tax audit and gear in transit are there too if your business calls for them.
General information about cover for personal trainers and PT studios. Questions about how a cover works? A broker is a message away.
Ask us anythingPublic liability is the cover most gyms and venues ask trainers to hold, and professional indemnity (for claims about your advice and programs) is commonly held beside it; many registration bodies expect both. GymCover’s business pack provides the liability and property side: public liability, portable equipment for your gear, and property and lost income if you run a studio. It does not include professional indemnity.
Public liability is designed to respond to claims where you’re found legally responsible for a client’s injury, such as a trip over equipment. A claim that your instruction or program caused the injury generally falls under professional indemnity instead. Cover depends on the policy wording and the circumstances, which is why the PDS is shown before you pay and a broker is available to talk it through.
Public liability and portable equipment cover can follow you and your gear away from a fixed base. Outdoor and in-home training is worth mentioning to a broker before you buy, and some councils also need a permit to train in their parks.
Many gyms and venues require trainers to hold public liability, and often professional indemnity, before working on their floor, and will ask for a certificate of currency as proof. A certificate of currency comes from the insurer; once you’re covered, ask us and we’ll arrange one.
Online coaching is mostly advice, which is professional indemnity territory rather than public liability. Raise it with a broker before you buy so your mix of in-person and online work is properly considered.
It depends on your turnover, whether you have a studio, the equipment you carry and the sections and limits you choose. Rather than quote a generic figure, GymCover prices your work live with the insurer, usually in about three minutes, and shows the premium broken down to the cent before you decide.
About three minutes of questions. No documents, no obligation, and a broker on the other end if you’d rather talk it through.
