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INSURANCE
Insurance brokers JLT have dealt with a few instances where members have found themselves without insurance protection because they believed, falsely, that the cover their employer provided protected them. Here they explain how far your employer’s cover extends.
by the employer will usually only provide cover while the member is working for their employer. If, as many members do, work is undertaken under a private and direct arrangement with a client, the member should not expect their employer’s insurance policy to continue to offer liability protection. This is particularly the case where the activities are undertaken away from the facility, for example at a client’s home or a park.
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If the majority of your work is undertaken with a single employer who advises you that their policy provides liability insurance for you, never assume this to be blanket cover. In reality the employer is ensuring that he/she is protected against claims, which arise through your activities on their behalf or under their direction.
As soon as a member undertakes work outside of the facility and outside of the employer’s direction then it is best assumed that the employer’s insurance policy will fail to respond in the event of an incident.
It is therefore critical that if you undertake any form of freelance work you ensure you have your own insurance protection in place should your client sustain an injury or loss and allege that you have been the cause of their injury or loss.
any members who work for one of the larger exercise facility providers are insured for their liability to customers by the facility insurers. However, the insurance arranged
How far does your cover extend?
The REPs Insurance Scheme has been negotiated by the Register to provide affordable Civil Liability cover for members. It provides cover for your liability to others while you are engaged in your activities as an exercise professional and is not specific to any one location where you undertake such activities.
Therefore, irrespective of whether you conduct your exercise routines at your home, a client’s house, or at a local hall, the REPs Insurance Scheme will provide you with protection should injury or loss result from your professional activities.
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