Sports and Personal Trainers | Public Liability Insurance

As a Sports and Personal Trainer, dealing with members of the general public, groups and clients on a day to day basis is a key and main part of your business. With members of the public potentially in danger to becoming injured from some of the sporting activities at hand and equipment on premises, as a small business, having public liability cover in place could be the difference between your business thriving or potentially becoming bust.

Whether you own a small business and members of the public simply visit your place of work or, you go out on location to visit clients at third party properties, should an accident occur, you could be held liable, potentially enduring hefty fines, compensation and court fees.

Here at Performance Direct, we specialise in specifically tailoring insurance policies to suit you and your needs as a Sports and Personal trainer as we fully understand how important your business is to you. Our specialist advisors are on hand to protect you and your business in the event of a claim, so why not call us today to arrange public liability cover promptly, or see if you do in fact have the correct level of cover in place.

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Business Liability Insurance Specialists

It is imperative that your business has the correct liability insurance. Performance Direct Business Insurance has years of experience dealing with all aspects of business and commercial insurance.

As a multi award-winning chartered insurance broker, we are commited to delivering the highest levels of excellence in professionalism and work with businesses, locally and nationally, where we deal with all types of commercial insurance for a huge range of business types including contractors, SMEs and larger scale businesses.

Whether you require a comprehensive insurance package or a small business insurance quote, Performance Direct is the insurer of choice for a growing number of UK businesses.

So, contact us today. We'll guide you through all the options, saving you time and money and making sure you have the right policy for your business needs.

For the best cover ask Performance Direct Business Insurance first.

We are proud to be a Chartered Insurance Broker. Only around 5% of the UK’s broking firms achieve this prestigious status. Also, we have been a BIBA Member since 2007, the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries, and their customers.

We provide insurance services to UK residents only.

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Benefits of our Insurance Policies

  • Flexible payment options

  • Dedicated account handler

  • UK call centre

  • Access to Lloyd's of London markets

  • Wide policy coverage

  • Claim management service

We are proud to be a Chartered Insurance Broker. Only around 5% of the UK’s broking firms achieve this prestigious status. Also, we have been a BIBA Member since 2007, the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries, and their customers.

Rated as excellent on Trustpilot with over 14,000+ reviews

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Why choose Performance Direct?

  1. The latest digital systems. Our customers enjoy all the advantages of the digital world. We offer excellent web and app-based insurance services, including a fast, easy-to-use quote engine, and automated customer services allowing hassle-free access to documents and information.

  2. The peace of mind of a Chartered Broker. Everything we do is backed by a team of skilled, experienced insurance professionals. We’re a Chartered Insurance Broker, a family company with a proud 40-year history, so we’re bound by a personal and professional code to deliver the best service for our clients.

  1. We’re independent. Because we’re not tied to any brand or product, we can search the car insurance market to get you the best policies­—from third party policies to fully comprehensive cover. Whenever you ask for a new or a renewal quote, our systems search a panel of up to 100 leading UK underwriters to ensure you get the lowest price and the best policy.

  2. We’re on your side. If you need to make a claim, because we’re completely independent, we work with you to sort everything out and to make sure your claim is paid. Whether you need to sort out a hire car or a new windscreen, our claims service is available 24 hours a day, 365 days a year. 

  3. Here for you. Your Online Insurance Account, support features, and on-line quotations are available 24/7, and our office is open 6 days a week.

Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.

What Is Public Liability Insurance?

Public Liability Insurance as a Sports and personal Trainer could essentially be one of the underlying insurance covers that protects you and your business from potential claims being made against you or from you to third parties.

Simply put, public liability cover is designed to offer you and your business the utmost protection from claimants for injury and losses. Having Public Liability Insurance in place is not legally required, but depending on the type of business that you operate, it is certainly something that is deemed essential, especially amongst small businesses.

Why Should I Have Public Liability Insurance In Place?

As a Sports and Personal trainer, you will not only be dealing with customers and the general public but potentially heavy and harmful equipment also, leaving you open and liable should an accident occur or equipment/property be damaged, especially for first time customers that haven’t been correctly trained.

Having public liability insurance in place for your business provides essential cover for both parties should an accident or loss ever to occur.

It only takes one accident or loss to occur either on your business premises or on third party premises to a client and they could make direct claim for thousands, potentially putting your business at risk.

Having the correct coverage in place can also provide a level of assurance should a third party member damage any of your businesses property or break equipment. Public Liability cover helps to replace and repair any losses that you may incur as a Sports and Personal Trainer, whether it’s an accident or intentional, as a business you’ll be covered and won’t have to chip into the company finances, giving you peace of mind that everything will be covered by your public liability insurance.

What does Public Liability Insurance Cover?

Public Liability Insurance should be put in place to significantly cover you should you or a third party member have an accident or incur a loss on the premises or in the hands of your business.

Your Public Liability policy needs to be specific to you and your business as a Sports and Personal Trainer but will secure you cover you from, compensation payouts to the injured party or party that incurs the loss, the cost of repairing damage to your own and/or third party property, Legal fees that may be incurred when defending your case should a claimant take you to court and, any additional fees and expense that you may incur throughout the process.

Premiums for public liability cover will differ due to the nature of every business. What is included and excluded in the policy and how much of a risk the line of work that you do produces can all affect the premium price. Your insurance claims history can also affect the premium of your policy. The same for a policy for car or home insurance.

Making sure you have the correct cover in place

Making sure that you have the correct type of Public Liability cover in place is greatly essential as should someone ever to make a claim against you; you could be left potentially uninsured, putting you and your businesses future at risk.

Accident’s can happen at any time and although they may not seem so serious and fixable at the time, it could leave your business open and liable to claimants or leave you with a dramatic loss should a claim be made, especially as a Sports and Personal Trainer in the hands of expensive sporting and training equipment.

Having to deal with compensation payouts and court fee’s is not something that small businesses can most of the time afford to pay out for but by having the correct public liability cover in place, you’ll not only have considered that of third parties should they suffer an accident or loss due to your business, but considered your own future and the future of your business also.

Here at Performance Direct, we understand how important it is to have the correct level of cover in place especially in regards to public liability insurance. As a business, having the wrong or incorrect cover in place could potentially still leave you liable in the event of a claim, resulting in you paying out.

Performance Direct’s duty as a broker is to not only search the market made up of a variety of different insurers policies, but to care for our customers and provide assurance that we have your business covered. Our dedicated team members are on hand to run through your policy with you, finding a scheme that’s best suited to you and your business as a Sports and Personal Trainer.

To run through a public liability quotation or to check that you have the correct level of cover in place, give us a call today. We’ll work with your business’s best interests at heart, making sure that we’ve got your cover spot on.