Exercise Professional indemnity and liability insurance
Your line of work is unique, so we’ve tailored an insurance policy that best suits the needs of your profession to better protect your reputation and livelihood.
Principle partner of
If you're forced to defend your professional reputation, you'll want the best support behind you.
Our policies include three types of insurance in one designed specifically for exercise professionals combining: professional indemnity insurance, public liability insurance, and product liability insurance.
Product liability
Insurance cover for liability for injury or property damage caused by goods sold or supplied by you. This can include cover for clients getting sick or injured from products you provide for example; protein shakers, resistance bands, or other products.
Extra benefits of this insurance policy
Cover for online / virtual classes or similar training environments for exercise professionals
Cover for Mums & Bubs classes¹
Cover for nutritional and dietary advice within your scope of practice¹
Cover for massage with a Certificate IV in Massage Therapy or equivalent
Good Samaritan cover, so you’re protected if you provide first aid or assistance in an emergency situation
Cover for property damaged when you’re working at a third-party location such as a client’s home
Access to legal defence by one of Australia’s pre-eminent defence teams, Meridian Lawyers
Cover for group exercise classes which include running and walking groups¹
Cover for wellness and breathwork if you have Cert 3 or 4 in fitness through an Australian registered training organisation and have wellness or life coaching qualifications¹
Cover for ice bath therapy within your scope of practice¹
Provides a 21-day cooling-off period, allowing you to change your mind after purchasing coverage
Breach of confidentiality cover following alleged or actual unintentional breach of confidentiality by you
Round-the-clock support with 24 / 7 claim support line availability
To find out more or to get your hands on our policy wording, simply call us on 1800 810 213.
FAQs
Professional indemnity insurance covers you for your civil liability when a claim arises from a breach of your professional duty. Protecting yourself against an allegation of professional negligence or wrong-doing can be expensive and time consuming, not to mention the potential damage to your reputation and business.
A professional indemnity policy is designed to protect both you and your business from the hefty costs associated with defending such claims. This type of insurance will give you much-needed peace of mind and confidence to conduct your business.
Many professions that offer services or advice to others are required to hold professional indemnity insurance by law. Many companies who take on contracted workers will request evidence of a professional indemnity policy in the form of a Certificate of Currency (CoC). Your CoC confirms that you hold a current professional indemnity policy should any claims be made against you.
Please check with your professional association or regulatory body to find out if a professional indemnity policy is a legal requirement for you.
Professional Indemnity product is designed to cover you for civil liability claims arising from breaches of your professional duty. Public Liability insurance protects you from civil liability claims arising from personal injury or property damage that are not related to your professional service but arise from your general duty of care.
For example, a customer who slips and falls on spilt water on your business premises and suffers a bodily injury as a result, may be covered under public liability insurance. It is public liability because it is your duty of care as a business owner to provide a safe environment free from hazards. A professional indemnity policy would respond when a customer suffers a loss or injury arising from the professional service or advice you provided to them.
Business package insurance is designed to cover the physical assets of your business for material loss or damage. It can also include cover for financial loss due to business interruption. Guild’s business package policies also have the option of including public and products liability and may sometimes offer professional indemnity and management liability cover into the one packaged product.
Covers often vary across differing policies. At Guild, we specialise in tailoring a policy to suit your profession and needs, so that you’re not paying for unnecessary covers. You should review the covers available in our Product Disclosure Statement and / or policy wording to ensure our product is right for you.
You can also speak to a Guild Insurance Specialist or contact us directly. They can discuss the risks associated with your profession and will consider your activities and business structure when recommending the most appropriate cover for you.
A Certificate of Currency (CoC) is a written document issued by an insurer that confirms your insurance policy is current and valid at the date of issue. At Guild, we provide easy access to your CoC at any time via our online portal PolicyHub.
Our partnership with AUSactive
Guild is the principal partner of AUSactive and has been for over 13 years.
We work closely with your association to tailor an insurance policy suited to your unique needs.
AUSactive is Australia’s peak body for the exercise and active health sector, and our goal is to activate Australians to move more.
Insurance for students studying to be an exercise professional
As a student, we understand you’ve got enough to worry about between completing your studies, getting enough practice hours in and preparing yourself for working with clients. The last thing on your mind is insurance cover. But one small accident could set you back for life. And that’s why AUSactive has chosen Guild Insurance to look after your insurance needs.
Simply register with AUSactive under the Student Policy to be eligible for your cover.
Not just an insurance policy
Risk articles with RiskHQ
You can visit RiskHQ at any time to read up about the unique risks you face as an exercise professional. We cover a variety of risk management topics, from managing complaints, to social media risks, maintaining your fitness centre, and much more.
Insurance for Gyms and Fitness Centres
If you own a gym, fitness centre or training facility and need insurance for your building, contents and more. Visit our information on business insurance for fitness businesses.
*Coverage up to $20 million requires your selection of cover up to this limit during the quote and purchase process.
¹Coverage is subject to additional qualifications from an Australian Registered Training Organisation being held with a minimum of a Certificate 3 in Fitness
