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Tailored sports instructor insurance for your business. Maximum coverage, minimum cost.
What insurance do sports instructors need?
Professional indemnity insurance: Coverage if you are sued for causing injuries to clients as a result of your physiotherapy treatments.
For instance, you treat a client for sprains. After multiple sessions, the client claims your treatment worsened their injury. They file a personal injury lawsuit for $100,000 against you. This insurance will pay for your lawyer’s fees, and any damages awarded by the court.
Public liability insurance: Coverage if you are found guilty of libel or slander.
For instance, you make verbal claims (slander) and written claims (libel) about a competitor’s services that are later found to be untrue, resulting in you being sued.
Work injury insurance: Coverage for mistakes that occurred before you bought Professional Indemnity Insurance.
Professional Indemnity Insurance is usually structured on a “Claims Made” basis. This means that even if your claimable event occurred several years ago, as long as you file a claim while your current policy is active, you will be protected. You must have held uninterrupted Professional Indemnity coverage for this retroactive protection to apply.
Office property insurance: Coverage for risks like fire, water leaks, damage to computers, etc.
For instance, you run a construction company and subcontract work to electricians. They do a poor job of wiring your client’s property, causing damage and injuries. Both your subcontractor and your company are sued.
Commercial vehicle insurance: Coverage for your vehicle if you use a commercial model like a van. Sports instructors commonly use this to transport sporting equipment.
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What are the major risks sports instructors face?
Sports instructor liability: Being sued by clients for injuries as a result of your sports coaching. Such lawsuits can easily cost you hundreds of thousands of dollars, and could lead to bankruptcy if not properly insured against.
Third-party liability: Injuries to others from your sports instruction – e.g. bystanders being hit by your players accidentally while training.
Employee injuries, or Covid-19 infections: Death, injury or illness of employees. You’ll need Work Injury Compensation Insurance to cover this.
Business premises damage: Damage to your office/business premises from risks like fire, water leaks, burglary, etc.
Commercial vehicle damage: Accidents to your commercial vehicle (if you use one) when moving from training site to training site, or transporting sporting equipment.
What are the benefits of using Provide for sports instructor insurance?
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