Exercise Professional indemnity and liability insurance

Clinical Pilates is not covered under this policy. To be covered for this through Guild, you need to be an Ahpra-registered therapist, such as a physiotherapist, osteopath, or chiropractor and have completed additional Pilates training. If you hold a qualification in any of these professions and have obtained this training, please complete an application for that particular market.

Yes, this policy covers group classes, including group exercise, circuit training, and pre-choreographed classes, provided the instructor holds appropriate qualifications for the specific type of class they are conducting.

Yes, this insurance covers outdoor exercise sessions, including group running sessions in public parks, provided the instructor has a Certificate IV in Fitness or equivalent qualification. The sessions must adhere to professional requirements, and appropriate local council approvals may be necessary.

Yes, you can be covered for group running sessions outdoors in a public park provided you hold a Certificate IV in Fitness or equivalent qualification, and you are operating within your scope of practice while following all professional requirements. You would also have approval from your local council to run sessions in the public park. You may need to check with your council whether your public liability amount is adequate to operate at the public location where you intend to run sessions.

Yes, group boxing and martial arts for fitness, including pre-choreographed classes, are covered, provided you have obtained appropriate qualifications for these, and the sessions do not involve physical 'contact' or sparring.

To receive a discount on the final premium, you will need your AUSactive membership registration number and renewal date. If you cannot remember your AUSactive registration number, please find your details in the AUSactive membership registration section.

Yes, this can be covered, however you will need to have the following qualifications:

• Certificate IV (or Diploma) in Fitness
• Exercise Science or Human Movement degree.

Exercise Professionals should ensure that the group participant number allows for appropriate supervision of children and safe instruction, including a suitable environment for the participants and their children. Exercise Professionals who provide classes with children present, such as mums and bub classes, do represent a high-risk activity, and all exercise professionals have a duty of care to prevent harm that could reasonably be expected to occur while providing services.

AUSactive, our fitness and active lifestyle association partner, has several documents available for Exercise Professionals to refer to when setting up classes. These documents will assist Exercise Professionals in reducing their risk and exercising their duty of care.

Yes, ice immersion therapy and cold-water therapy are covered, provided you are appropriately qualified, and all customers are supervised during a session.

If you operate a business with employees or contractors, then this product is not suitable as it only covers an individual fitness professional. You would need to apply for our Fitness Centres Business Insurance Policy. Please call 1800 810 213 to discuss this further with our Business Insurance Team.

The following minimum education is required for working with children to be covered:

• Certificate III &/or IV in Fitness
• Completion of relevant unit/s of competency (or equivalent):
• SISFFITO12 Instruct movement programs to children aged 5 to 12 years
• SISFFITO13 Instruct exercise to young people aged 13 to 17 years

You will be covered to work with children at no additional cost if you’ve completed the above qualification and agree to the following:

• You have completed relevant qualifications and training to qualify as a children’s trainer.
• A current Working With Children Check is held by you and all your staff.
• A pre-exercise screening is completed prior to participation in any exercise program.
• Parental consent is obtained prior to participation.
• An asthma management plan, including an emergency response plan, is in place for those participating in an exercise program.
• All such persons are always under adult supervision while at your premises.

All registered exercise professionals have a duty of care to prevent harm, which could reasonably be expected to occur while providing advice or instruction. Screening and assessment are recommended before participation to identify health risks associated with commencing exercise.

*AUSactive, our fitness and active lifestyle association partner, has several documents available for Exercise Professionals to refer to when setting up classes. These documents will assist Exercise Professionals in reducing their risk and exercising their duty of care.*

There is no cover for bodily injury from any contact sports or fitness training connected in any way with:

• Abseiling
• Motorsports
• Snow sports
• All water sports (except aqua aerobics)
• Equestrian activities
• Competitive strength training (powerlifting, bodybuilding, maximal lifts)
• Contact sports (e.g., boxing, MMA, kickboxing)
• Parkour
• Trampoline circuit training
• Obstacle courses involving barbed wire, climbing, repelling walls, or electrical currents
• Other contact sports or contact fitness training of any kind
• Rollerblading, skateboarding, and snowsports
• Scaling or climbing of a structure higher than 1.8m unless specifically designed for training
• Skateboarding
• Snowsports
• Swimming instruction
• Trampoline circuit training (Bouncefit)

We will not cover maximal lifts performed in preparation for competition and within competition, including powerlifting, bodybuilding, or maximal lifts.

Yes, we will cover boxing drills and boxercise using gloves and pads to improve fitness. However, we will not cover any boxing involving physical 'contact', sparring, or training professional boxers.

No, please exit this application and complete a Quick Quote where your primary profession is an Exercise Scientist / Exercise Physiologist (depending on your qualification level) and select Apply Now.

Please note the new policy will also cover you in the capacity of a personal trainer/exercise professional, provided you have completed a bachelor's Degree in Exercise Science / Exercise Physiology and you have received accreditation from a recognised registration body in Australia.

You can apply for cover in the capacity of a personal trainer/exercise professional only if you have completed a bachelor's Degree in Exercise Science, Exercise Physiology, or Human Movement and received accreditation from a recognised registration body in Australia.

You can review the Product Disclosure Statement (PDS), Policy Wording, and Terms & Conditions near the end of this application, at the bottom left of the 'Select your Level of Insurance Cover' page (to reach this part of the process, click on the Get a Quote button).