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

Three Years running - Insurance Brokerage of the Year 1 to 5 staff

Mandy and Robert Cooper were extremely honoured and astounded to once again win, Insurance Brokerage of the Year for 2020 from Insurance Business Australia magazine. This is the third year running.

While this year has not been the easiest of years for the business with Covid 19, the Recession, the hard market and issues at Lloyds of London, we are literally all in this together as an Insurance Industry.

CPR Insurance Services continues to make our clients the number one focus of our business while managing our relationships with Insurers, who we need more than ever in this market climate.

CPR Insurance Services are a highly ethical Brokerage with a reputation as a trusted advisor who always acts in the Client's best interests. Their experience, knowledge and expertise is amongst the highest in the industry.

CPR Insurance Services is now ten years old as a business and is proud of being an Authorised Representative of Ausure and their partnership with Steadfast, giving CPR the strength and backing to match it with any Broking firm in the Insurance Industry, but remain focussed on supporting the Small to Medium business segment.

Memberships of the National Insurance Brokers Association, Australia and New Zealand Institute of Insurance and Finance, Australian Insurance Law Association, Australian Professional Indemnity Group and the Australian Institute of Company Directors, ensures CPR Insurance Services maintains the high standard of knowledge and expertise required to be one of the best Brokerages in Australia.

CPR Insurance Services also plays a strong role in their local community supporting other Sporting Clubs and Community organisations. They also support and promote local businesses with their operation of the Kedron Brook Business Group who meet regularly and has 174 members.

We are truly honoured to receive this National award once again for the third year as a recognition of CPR Insurance Services contribution.

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Finalist for QLD Broker of the Year

Robert Cooper was honoured to be nominated as a finalist for Queensland Insurance Broker of the year for 2020, as part of the National Insurance Brokers Association. Unfortunately he missed out on the ultimate award but is a reflection of the high standard that the industry now has for such awards.

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