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Essential Cover

Insurance for Group Exercise Instructors

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As an instructor of group x and small group training – having insurance is a fundamental part of being a true fitness professional.

It’s important to know you are getting the best. Whether you’re a student or a graduate FitPro has the right insurance that gives you the best possible cover – after all, we’ve been fitness insurance specialists for over 30 years.

Our insurance cover is trusted, reliable and everything you would expect from an industry leader.

What insurance do GX fitness instructors need?

Having the right insurance is so important. It’s vital to select a highly reliable insurance policy that provides the depth of cover needed to enable you to deliver a range of activities and adapt to the changing demands of the fitness industry. You need to check that the insurance includes cover for the relevant fitness-related activities you’re undertaking, includes worldwide cover if teaching overseas, and is through a reputable insurer.

We at FitPro can provide that for you. It really is that simple. Let us be the crutch you can lean on if you ever need us, so you can concentrate on the day-to-day business of living your best life as the awesome instructor we know that you are.

Our insurance cover is trusted, reliable and everything you would expect from an industry leader.

Instructor public & teacher liability insurance includes Group Exercise together with a broad range of other fitness activities – review our list of insurance products.

Group of women smiling / laughing while enjoying an exercise class
Women participating in a group exercise class

Why is Group Exercise insurance important?

Group exercise insurance acts as a legal safety net to minimise financial liability, should you be the subject of a claim – e.g., if a class participant suffers an injury, he or she may claim against you for compensation and/or medical costs.

Having insurance means that the financial liability of meeting these costs should be met by your insurance.

Group exercise instructors are often called upon to give advice to their clients. Insurance is important to protect you against any ill-effects suffered by the client as a result of your advice.

Participation in exercise carries a certain risk, meaning that group exercise instructors need to have insurance in the event of a claim. Insufficient or complete lack of insurance could result in expensive liability claims made against you.

What are the benefits of insurance for Group Exercise instructors

Public liability insurance for group exercise instructors will protect against claims made by members of the public for incidents that occur in connection with your instruction.

The insurance is important to protect you against expensive compensation claims for injuries to your clients/participants and third-party damage to property for working in gyms, studios, clubs, leisure facilities, community centres, village halls, private homes, outdoors and online.

We cover:

✔️ Up to 12 months’ worldwide cover
✔️ Cover for working on cruise ships
✔️ No excess
✔️ Lower age limit 14 years
✔️ No upper age limit

Group of people participating in a group exercise class
Woman performing a plank

How does the insurance work?

You can buy online. Our cover is affordable. We offer monthly direct debit options, for as little as £4.38 per month, and you can apply online. Choose your cover from £2m, £5m or £10m options for Public Liability cover. What’s more, because we are active fitness industry experts, you’ll also get a FREE FitPro Core membership (valued at £35) which entitles you to a host of great FitPro benefits including the highly respected FitPro magazine which is full of evidence-based articles and programming ideas.

The FitPro Instructor Public and Teacher Liability insurance is designed for qualified fitness industry professionals who hold a supporting qualification in the area of instruction.

The insurance also includes a broad range of other fitness activities including PT,  Yoga, Pilates and more…

Affordable cover

Even better, our cover is affordable. We even offer monthly direct debit options, for as little as £4.38 per month, and you can apply online. Choose your cover from £2m, £5m or £10m options for Public Liability cover. What’s more, because we are active fitness industry experts you’ll also get a FREE FitPro Core membership (valued at £35) which entitles you to a host of great FitPro benefits including the highly respected FitPro magazine which is full of evidence-based articles and programming ideas.

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Why FitPro?

Yes, we are the UK leader in the provision of flexible insurance cover for fitness industry professionals like you. But FitPro is also widely recognised as the leading voice in the fitness industry. We fully understand the needs of fit pros and offer extensive education and support. Plus, the FitPro insurance scheme is underwritten by Aviva, the UK’s largest insurer – giving you true peace of mind.

You know you need insurance, so here’s the online application. Or if you’d prefer to chat on the phone please call us… we are a friendly bunch that know our stuff, and are all super happy to chat through your needs.

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A group exercise session of squats

Group Exercise FAQs

Why do I need insurance as a group exercise instructor?

It is important for group exercise instructors to have Public liability insurance to protect themselves against expensive liability claims from clients/ participants in the event of an injury resulting from your instruction.

An insurance claim could result in significant compensation costs and legal fees – Public Liability insurance is important to protect you against unexpected accidents and claims from your clients/ participants.

What type of insurance do I need as a group exercise instructor?

Instructor Public & Teacher Liability insurance includes one-to-one and group sessions on a face to face and online basis to include live interactive sessions via Zoom, live streaming and pre-recorded content.

Other insurance options are available to include Personal Accident, Equipment, Sports Massage, and Additional Activity cover for other specialist fitness related activities.

It is important to choose the right insurance before it’s too late!

How much does group exercise instructor insurance cost?

FitPro offers three indemnity options for Instructor Public and Teacher Liability insurance to include £10 million (£59.99), £5 million (55.00), and £2 million (£50.00) per annum, inclusive of Insurance Premium Tax.

FitPro insurance also includes FREE FitPro Core membership (valued at £35) which gives you FitPro bi-monthly digital magazines, E-newsletters, live webinars and discounts on Continued Professional Development.

What activities are included?

The insurance is designed for group ex instructors working in health clubs, gyms, studios, leisure facilities, community centers, private homes, outdoors and also online. The insurance is written on a worldwide basis for residents of the UK.

Additional Activity cover is also available separately for a variety of other specialist activities such as Specialist Populations, Parent & Baby Classes, Tai Chi, Nordic Walking, Pole Dancing, Swimming Instruction, etc.

What is the group exercise instructor qualification criteria?

Group exercise instructors should hold a supporting Group Ex: Level 2 Exercise to Music certificate or equivalent through a National awarding body (such as Active IQ), CIMSPA endorsed training provider, or Internationally recognised training provider.

Supporting certificates should be held in other relevant areas of instruction – such as Indoor Cycling, Aquatic Fitness, Pre & Post-Natal exercise, Reformer, etc.

What is the indemnity limit?

The insurance is underwritten by Aviva. FitPro offers indemnity options to include £10 million, £5 million and £2 million – there is no excess.

Where can I provide my group exercise instructor services?

The insurance is designed for group exercise instructors working in health clubs, gyms, studios, leisure centres, community centres, village halls, private homes, outdoors and online.

A health and safety risk assessment should be completed. You can find more information around managing risks and risk assessment via the HSE website: https://www.hse.gov.uk/simple-health-safety/risk/index.htm

Is group exercise teaching covered outside of the UK?

The insurance is written on a worldwide basis for residents of the UK. The insurance includes up to 12 months’ worldwide cover, including working on cruise ships. You must remain a UK resident.

Can I host online group exercise?

The insurance includes live interactive face-to-face group training such as Zoom, live streaming and pre-programmed video content. Please see the online training guidelines via the following link:

Can I host outdoor group exercise?

Training (led by a qualified instructor) can take place outdoors on the basis of completion of a health and safety risk assessment – for example, ensure the environment/equipment is safe, free from obstacles, obstructions, hazards, fit for purpose, first aid provision, etc. Check with your local authority if a park licence is needed and seek the landowner’s permission, where necessary.

What is the pre-screening requirement?

Each participant should complete a PAR-Q form. If any risk factors have been identified, the participant should seek approval from their GP. You should continue to pre-screen participants before each session and refer accordingly.

What is the minimum age?

The minimum age for Instructor Public & Teacher Liability is 14 years, and the minimum age for Student Public Liability cover is 16 years. There is no upper age limit.

Can I get insured for other activities?

Additional activity cover is available for other fitness activities on the basis of a holding supporting qualification. The additional activity insurance runs in conjunction with the instructor public & teacher liability £10 million cover.

How can I pay for insurance?

Payment for group exercise instructor insurance can be made by Credit or Debit card or by monthly Direct Debit. Payment by Direct Debit will auto-renew on an annual basis. You can set up insurance by logging in to www.fitpro.com/insurance/ or by telephone on 020 8586 8635.

Do you offer student insurance?

Student Public Liability Insurance is available if actively working towards gaining an instructor qualification. The student insurance is valid for 12 months on the basis of successfully completing the instructor training within the first six months. You can find more information here:

Our Philosophy

Our philosophy has always been to listen, support and deliver. We are the conduit between the academic and the fitness professional, the one who makes a real difference to the community. We do this by making sure our offerings are fit for purpose, affordable and world class … totally and always.

FitPro is a trading name for Fitness Professionals Ltd. Authorised and regulated by the Financial Conduct Authority – FCA number 705177. Company Registration number 02499039 – Registered office Saxonbury House, High Street, Wanstead, London E11 1QQ

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