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

CPR joins Ausure

We would like to announce to all our Clients, Prospective Clients, Suppliers and Insurers, that Cooper Professional Risks Pty Ltd trading as CPR Insurance Services, will be leaving National Adviser Services Pty Ltd (NAS) and joining Ausure Pty Ltd as a Corporate Authorised Representative from 5 March 2018.

Fundamentally, there is no difference to you, except our Invoices will look a little different, and the Banking details will be in a different name and account number. Everything else at CPR stays the same.

There are a number of reasons we have made this decision, but the primary reason is for what we believe is best for our clients.

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Special offer to CPR Insurance clients

Employsure are providing a FREE Business Health Check to all our clients and gives you the opportunity to receive an analysis of the health and safety requirements in your workplace. Also. Employsure  will review your employment agreements as well as your wage rates helping you to avoid workplace claims.

Ordinarily this would cost you at least $1,250 but because you are a CPR Insurance client, it is free!

It involves the following review for you.

SAFECHECK

A specialist Work Health and Safety Consultant will visit your workplace and carry out:

A review of your business’ current work health and safety policies, procedures and systems to identify areas of concern or non-compliance

Following the review, you will receive a report summarising the findings and the health and safety

Status of your workplace

WAGE CHECK

A Wages Adviser will review your rates of pay and produce a Wage Check report.

The review will be conducted against the industrial instrument applicable

A report will be supplied advising if the wages are compliant and what steps to take to achieve compliance

CONTRACT REVIEW

A Document Consultant will review an employment agreement and provide recommendations.

The review will highlight compliance issues with the Fair Work Act 2009 as well as best practice

The report will make recommendations to achieve compliance and provide protection to your business.

This will remove any areas of potential dispute and risk

So what do you have to lose? Contact us on 07 3123 1137 and arrange 

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