Protect yourself INSURANCE FOR FITNESS PROFESSIONALS

Gallagher is an international insurance brokerage, risk management and consulting firm, operating in 45+ countries. We are the chosen partner to more than 100,000 Australian businesses, from small businesses through to multinational corporations and brands. 

Through our network across Australia, we understand local business communities.

Professional Indemnity Insurance covers you for claims that arise when a third party, usually a client, alleges that your professional advice, design or service as a fitness instructor or personal trainer was negligent and caused them a loss or injury. The loss could be any or all of the following bodily injury, property damage or financial loss. So if a third party makes a claims against any wrongdoing, mistake or breach of professional duty,  Professional Indemnity protects the assets and reputation of you and your business.

It is the maximum amount the insurer will pay for all losses incurred within the policy period.

Public Liability covers a claim against you for bodily injury and property damage to a third party, that arise from the operation of your business as a fitness instructor or personal trainer.  A claim may arise as a result of negligence by your or your staff, such as failing to demonstrate reasonable care for others resulting in injury.

You are covered for the activities that you are suitably qualified to instruct anywhere within Australia so long as you are not running your own commercial premises or home studio.  Please note, if you are not qualified for the activities which you are teaching, you are not covered. For example, if you are teaching Pilates classes you must have a qualification to do so.

The AFN program includes all AFN, Fitness Australia or Physical Activity Australia approved and endorsed courses.  If your qualification is CEC or CPD approved, then this is included in the scope of practice under the AFN Members program.

When you receive a letter of demand, you need to send a copy of the letter and all communication relating to the incident including the incident report to ([email protected]) as soon as you receive the letter of demand, we will then be able to assist you with the claim. We will notify the insurer and handle the claim on your behalf.

Alternatively, if you would like to discuss a potential claim, please contact the team on 1800 222 012 for assistance.

Yes, you can do outdoor sessions provided that you have permission from your local council to be using the outdoor areas. Also, as an outdoor environment cannot be controlled like it can be in say a gym, extra care needs to be taken when conducting classes or sessions outside.

It is $250 for all AFN member policies*.

*Any extra policies / sections that trigger referral may vary this excess.

There are various payment options available to you, including BPay, Credit Card, EFT, BillPay and monthly instalment.

Once payment is made a Certificate of Currency and insurer schedule is issued (generally within 48 hours). Please contact us if you require your documentation sooner by emailing a copy of the payment receipt to [email protected] and requesting a Certificate of Currency.