What does sports instructor insurance cover?
Insurance covers the core risks that arise when you coach, train, or instruct sports or fitness training. It helps provide financial protection if a client is injured, a third party’s property is damaged, or if someone alleges your guidance caused injury or financial loss.
Bear in mind that sports coach insurance isn’t a single policy. Rather, it’s a portfolio of cover that provides financial protection for different situations, from public liability insurance and sports coaching cover to loss of earnings, equipment, or personal liability protection.
What isn't covered
It’s important to check with your broker what your insurance policy covers, and what it doesn’t include. This can be anything from injuries caused by unsafe equipment to coaching without proper qualifications, and general wear and tear or poor maintenance of equipment. It is also worth checking with your broker whether your sports instructor insurance covers you for online, pre-recorded coaching sessions. You may find that only live sessions are covered.
How much does sports instructor insurance cost?
Costs will depend on several factors, including the type of sport you coach, what qualifications you hold, your age, your location, and whether you coach at a centre, online (some insurers also distinguish between live coaching, recorded content or working with overseas clients), or on a one-to-one basis. Your broker will help you decide what level of cover you require for appropriate protection. At Park Insurance, we use our skills and experience to source the most competitively priced policies that suit both your needs and your budget.
Is sports instructor insurance the same as personal trainer insurance?
Although there is often overlap, personal trainer insurance is typically designed for fitness instruction, whereas a sports instructor policy may cover a wider range of sporting activities.
A sports instructor policy anyone who teaches a sport, including football, tennis, gymnastics, martial arts, swimming, athletics, and multi sport coaching. Personal trainer insurance is designed for fitness professionals who deliver exercise based training such as gym sessions, strength work, conditioning, HIIT, mobility, and general fitness coaching.
What affects the insurance premium?
Lots of elements can affect the premium you pay, including the level of physical contact involved in your sport (such as full-contact martial arts or no-contact Pilates), your qualifications and experience, the age of your students and the number of participants per session. Whether you decide to pay your premiums annually or monthly by Direct Debit can also affect the cost.
Keep your sports coaching business healthy with Park Insurance
For over 30 years, Park Insurance has been providing specialist insurance to businesses, including sports coaching organisations. Our position as preferred broker to some of the UK’s largest insurance providers puts us in a unique position to source cover that suits your needs. Our expert brokers can advise you whether specific cover, such as football coach insurance or equipment cover, should be part of your package. Call us direct, or use our online form for an instant, no-obligation quote. Contact us today.