Fitness Trainers

What is Fitness Trainers Liability Insurance?

There are three main Liability risks that you face as a fitness trainer. They are General (Public & Products) Liability, Professional Indemnity and Management Liability. You can separately cover each or brought together into one nice and affordable Package.

CPR Insurance Services can provide a solution to suit you. The Key Features of cover are:

General (Public/Products) Liability – Bodily Injury, Property Damage and Advertising Injury you cause to others whilst carrying out your activities.

  • Up to $20,000,000 limit of indemnity available
  • Up to $500,000 Property in your Physical or Legal Control (looking after someone else’s property)
  • $50,000 Temporary protection cover (where required by law to prevent further loss).
  • Additional 25% costs and expenses cover
  • Principals Indemnity (where a supplier does not want to be liable for your negligence)
  • Member to Member Liability on most sports risks
  • Participation Liability on most sports risks

Professional Indemnity – Your Breach of Professional Duty owed to others when providing advice, instruction and supervision.

  • Up to $10,000,000 limit of indemnity available
  • No Bodily injury exclusion for sports based risks
  • Legal Costs and Expenses (you may have to defend an allegation of a breach of duty)
  • Dishonesty by staff (As Principal you are vicariously liable)
  • Automatic Reinstatement (returns your limit to the full sum insured after a claim)
  • Continuous Cover (as PI is a “claims made” cover you may forget to report an incident)
  • Extended Reporting Period (if you decide not to continue the business)

Management Liability – The risks to the Directors or Officers or your Business for just supervising its activities such as ,

  • Up to $5,000,000 limit of indemnity
  • Employment Practices Liability (for allegations of Wrongful Dismissal, Harassment, Prejudice)
  • Club or Entity Reimbursement (where required under Corporations Law)
  • Advanced Defence Costs – to defend the initial allegations
  • Inquiry Costs – cost of legal representation at any coronial inquest or investigation
  • Fines & Penalties – if incurred under statutes such as the Occupational Health & Safety Act
  • Libel and Slander – accused of defaming a competitor or other individual
  • Occupational Health & Safety
  • Trade Practices Act
  • Extended Reporting Period/Retirement Cover
  • Fidelity Cover (Optional)
  • Pollution Defence Costs (Optional)

Who can help?

An insurance broker's role is to act as your representative and work in your interests, seeking the best cover at the best price for you from market knowledge. Call a good one.

Call CPR – Experts who will save you.

Cooper Professional Risks Pty Ltd trading as CPR Insurance Services is an Authorised Representative of National Adviser Services Pty Ltd (ABN: 60 096 916 184) trading as NAS Insurance Brokers (AFS No.233750) 

Latest News

Robert Cooper - one of 100 faces of small business

This week it was announced as part of Small Business Week,  that Robert has been named one of the 100 faces of small business for a State Government promotion on the great value that small businesses play in the State of Queensland.

You can see Robert's entry here:

It is the third accolade for CPR Insurance Services in a month and after seven and a half years in business is a real pep up for the company.

For Robert, it is the culmination of many years experience, becoming well qualified, experiencing the highs and lows of a career and always wanting to contribute to his community. Sometimes, these things just come together and you receive recognition for your efforts.

Robert says that there is no doubt that starting your own business is a huge challenge, but with the right research and planning, the right people around you and a good set of values that you apply to the vision of the company, you have a very good chance of making it all succeed.

Robert says he is lucky. He has a strong supportive Wife, Mandy, who is also part of the business, along with efficient and hard working staff such as Julia McLauchlan and Aidan Harmer who are building up their own skills in a learning environment. 

However, the most important and most supportive people for CPR Insurance Services are our clients who have stuck by us and supported us over the past seven years. Our focus remains on providing the best possible service we can and always acting in their best interests. To all our clients, we say thank you!

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CPR Insurance wins Brokerage of the year

CPR Insurance Services picked up the award for the Best Brokerage (1-5 staff) in Australia, last Friday Night (4th May 2018) at the Insurance Business Magazine Awards held at the Westin in Sydney.

Judging came from various parts of the industry. It is a great honour to be recognised for our hard work and particular Business values we follow. A full list of winners is listed here.

Success comes from having great staff, and we thank Aidan Harmer and Julia McLauchlan as important support staff for helping us win such an award.

CPR Insurance has been in operation for more than 7 years now and is only successful because of the wonderful support from our staff, insurers and most importantly, our fantastic clients who put their faith and trust into our company to be their Risk Advisers and Brokers. 

Thank you to all.

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