Fitness Professionals Ltd Insurance Schemes
If you’re happy with the following terms and conditions you can download an insurance cover application form at the bottom of the page. Otherwise, view and print a pdf copy of these terms and conditions – click the image to start your download. (You’ll need Adobe Reader to view this document: more info here).
Public & Teacher Liability
FitPro is conscious that fitness professionals
in today’s industry have a high risk of a claim being made
against them. This is particularly the case since the growth of
the “*no win, no fee” climate where people are encouraged
to take legal action when any injury occurs – especially
those sustained during leisure time. With this in mind we offer
members exclusive rights to our Fitness Professionals insurance
policy to ensure they are protected against any liability claim
that may be made against them by a member of the public including
their clients.
This insurance scheme has been specifically designed for us by
CMC Insurance Consultants, to cater for the needs of our members
who require a flexible insurance. In other words, as long as you
are a resident of the UK or Ireland, this cover is available to
all fitness instructors with an accepted qualification and students
on recognised courses whether operating locally or worldwide,
in a gym, studio, leisure facility, client’s home or outdoors.
It provides for variable work patterns, for those who are employed,
self-employed, on contract or who change between these options.
Policy Cover
1. The standard indemnity limit is £5 million for both
Public Liability and Professional Indemnity.
2. It provides cover for the instructor working within his/her
accepted qualifications.
3. Includes advice the instructor gives on exercise and nutrition.
4. Written on a worldwide basis for members resident in the UK
and Ireland.
5. There is no limit to the number of participants within a class,
providing health and safety requirements are observed.
6. “*Indemnity to Principal” is automatically included
to protect the interest of employer/contractor/hired or rented
premises.
7. The policy is on a “*Claims Occurrence” basis.
8. No excess payable by the instructor in the event of a claim
and no exclusions as long as working within accepted qualifications.
9. Legal Expenses included.
10. Deals with allegations made against you for injury, damage,
libel and slander.
11. “*Member to Member” claims included.
12. There is no cancellation clause beyond the statutory limitation.
Claims
1. As the policy is on a “Claims Occurrence” basis,
as long as the contract was in force at the time of the incident,
any claim will be dealt with by the insurers even if the policy
is no longer in force.
2. All claims occurring within the period of insurance are dealt
with by the insurer.
3. The instructor is required to provide information on the incident
resulting in a claim being made.
4. The qualification certificate is required for the activity
taking place when incident occurred.
Additional Information
1. Increased indemnity limits of £10m
and £20m are available if required.
2. Evidence of acceptable qualification required when effecting
policy.
3. Once insurance is in force any additional accepted qualification
is automatically included without the need to submit the certificate.
4. Children’s exercise is automatically included as long
as accepted children’s qualification is held and legal requirements
adhered to.
5. It is available to group trainers, gym instructors, personal
trainers and level 4 fitness instructors and students on accepted
courses.
6. Policy extendable for some activities not directly fitness
related.
Terminology Explained*
1. *No win no fee
System used by solicitors where charge only made if case is won.
2. *Indemnity to Principal
Claim made against a principal (i.e. owner of hired premises,
employer, contractor) which is the liability of the instructor
will be dealt with under the instructor’s insurance.
3. *Claims Occurrence
As long as the policy is in force at the time of the incident
that results in a claim the claim will be dealt with by the insurer
even though the policy is no longer in force.
4. *Member to Member
Incidents between class members that result in claim being made.
Premium
United Kingdom - £60.00
Republic of Ireland - €210 to include membership
Crèche Extension
Cover
Only available as an extension to Public & Teacher Liability
Policy.
Crèche run in conjunction with class – maximum time
90 minutes.
No age limit for children.
Local Authority Guidelines to be adhered to.
Instructor’s liability to carers.
Carers and instructors liability to children.
Premium
United Kingdom - £25.00
Republic of Ireland - £34.00
Instructor Equipment Insurance
Cover
1. Accidental loss or damage including theft of equipment.
2. Maximum single article limit £500 unless specified.
3. Money stolen directly from you maximum £500.
Conditions
1. Standard £50 excess applies, which increases to £100
for theft claims from vehicles.
2. Property left in unattended vehicles limited to theft following
forcible and violent entry.
3. Property left in unattended venues limited to theft following
forcible and violent entry.
4. Property left in occupied venues in locked cupboards or lockers
limited to theft by forcible and violent entry.
5. Losses from unattended vehicles exclude all sound equipment,
including CDs tapes, headsets and associated equipment and clothing
other than when loading and unloading.
6. Theft of money excluded for theft from unattended vehicles.
Premium
United Kingdom - £95.00
Republic of Ireland - £130.00
Personal Accident Insurance
Individual quotations available on request contact
CMC Insurance Consultants
+44 (0)1794 516740
The FitPro Insurance Scheme has been designed with you in mind
to provide the necessary legal protection and above all peace
of mind
In conjunction with CMC Insurance Consultants
Registered and authorised by the Financial Services Authority
Registered No 310684.
Complaints Procedure:
CMC Insurance Consultants and Aviva are members of the Financial Ombudsman Service for complaints from private policyholders, certain small businesses, charities and trusts. Should you have a complaint, please initially notify your insurance advisor. Full details of our complaints procedure are available from your usual insurance advisor. This complaints procedure does not affect your rights to take legal action.
Choice of Law
The appropriate law as set out below will apply unless you and the insurer agree otherwise:
- The law applying in that part of the UK, Channel Islands or Isle of Man in which you normally live or (if applicable) the first named policyholder lives; or
- In the case of a business, the law applying in that part of the UK, Channel Islands or Isle of Man where it has its principal place or business; or
- Should neither of the above be applicable, the law of England and Wales will apply.
Data Protection – Information Uses
For the purpose of the Data Protection Act 1998, the Data Controller in relation to any personal data you supply is CGU Insurance plc.
Insurance Administration
Information you supply may be used for the purposes of insurance administration by the insurer, its associated companies and agents, by insurers and your intermediary. It may be disclosed to regulatory bodies for the purposes of monitoring and/or enforcing the insurer’s compliance with any regulatory rules/codes. Your information may also be used for offering renewal, research and statistical purposes and crime prevention. It may be transferred to any country, including countries outside the European Economic Area for any of these purposes and for systems administration. In assessing any claim made, the insurer or its agents may undertake checks against publicly available information (such as electoral roll, county court judgements, bankruptcy or repossessions). Information may also be shared with other insurers either directly or via those acting for the insurer (such as loss adjusters or investigators).
In order to assess the terms of the insurance contract or administer claims which arise, the insurer may need to collect data which the Data Protection Act defines as sensitive (such as medical history or criminal convictions). By proceeding with this application you will signify your consent to such information being processed by the insurer or its agents.
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