Public Liability Insurance Compared

Public liability INSURANCE FOR PERSONAL TRAINERS

Personal Trainers Public Liability Insurance

Do Personal Trainers need liability insurance?

Yes, personal trainers in Australia should have general liability insurance, also known as public liability insurance. This type of insurance is crucial for personal trainers because it protects them against legal and financial risks associated with claims of bodily injury or property damage that third parties (such as clients) may suffer as a result of their training activities.

Having liability insurance can provide peace of mind for the personal trainer / PT, as well as protection against potentially costly legal fees and compensation payouts. Some gyms and fitness facilities may also require personal trainers to have this insurance before they can start working with clients on their premises.

It’s a good idea for personal trainers to consult with an insurance broker or provider to determine the appropriate coverage for their specific needs and circumstances.

We make it easy to get a Public Liability quote, get started below.

We make it easy for personal trainers to get public liability quotes, start below.

Why do personal need trainers need public liability insurnace?

In Australia, Personal Trainers / PT’s / Fitness Trainers face a number of liability risks related to their work with clients. Some of the most common risks include:

1.Negligence: Personal trainers may be liable for any harm caused to clients as a result of their negligence in performing their duties. This could include incidents such as a client being injured due to improper exercise technique or inadequate supervision.

2. Errors or omissions: Personal trainers may also face liability for errors or omissions in their work, such as providing incorrect or inadequate advice or information to clients.

3. Injury to clients: Personal trainers are responsible for ensuring that their clients are safe and secure while performing exercises. If a client is injured during a session, the personal trainer may be held liable.

4. Property damage: Personal trainers may be held liable for any damage they cause to gym equipment or other property while working with clients.

5. Privacy breaches: Personal trainers may be held liable for any breaches of client privacy, such as the unauthorized sharing of personal information.

PERSONAL TRAINERS PUBLIC LIABILITY INSURERS COMPARED INCLUDE AIG, ALLIANZ,  CGUHOLLARDQBEVERO, AND ZURICH*.


Compare Quotes for Personal Trainers Public Liability Insurance

Public Liability Comparison helps Personal Trainers find cheaper public liability quotes by comparing Australia’s top insurers. Compare quotes for Personal Trainers in Adelaide & SA, NSW & Sydney, ACT & Canberra WA & Perth, Vic & Melbourne and throughout rural Australia.

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Here are some insurances that apply to most businesses.

Legal liability for injury or damage arising from your business or products.
 
Your portable business equipment - such as tools for a tradie.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.

Protects premises from covered events such as theft, fire,  or natural disasters.





Loss of business income and increased expenses following a Fire & Perils loss
The maximum amount covered for the loss of a business's gross profit due to an interruption caused by an insured event.
The specified time frame during which a policy provides coverage for losses following an insured event.

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.





Theft of property following forcible/violent entry to the premises

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.

Theft of property following forcible/violent entry to the premises
The maximum amount that an insurer agrees
to pay in the event of a covered claim under a policy.
Coverage that protects against the loss or damage of perishable goods, such as food or pharmaceuticals, due to breakdown or failure of refrigeration or cooling systems.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.


Can protect a business and its assets from financial loss due to unexpected
events, accidents, or liabilities that occur to goods whilst in transit.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.
The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.

Can protect businesses against financial loss due to damage
or liability resulting from the use of commercial vehicles.
Vehicle Details
Cover Type


The maximum amount that an insurer agrees to pay in the event of a covered claim under a policy.


About the Vehicle












Insurance Specialty Covers - this applies to some businesses.

Some businesses require additional Insurance coverage. Please indicate below if you would like to know more information on any of these specialty Insurance Products.
Cover for Mobile Plant and Machinery and liability from their use
Machinery Details
Cover Type

* Agreed value option requires a licensed valuers written assessment of value of Machine

Sum Insured should be the Market Value of the machine and include the value of attachments and accessories or separately list and declare.
About the Machine/Equipment





Use of Machine/Equipment

Are any of your machines used or expected to be used:

Yes No



Can help mitigate financial losses resulting from cyber attacks,
data breaches, and other cyber-related risks.
Protects businesses and professionals from
loss due to professional negligence.
Protects businesses and managers for
employment actions, statutory obligations + others.
Can protect a business from financial losses due to
customers' inability to pay for goods or services on credit terms.
Costs of recalling/replacing products incl expert advice and brand management.
Protects builders/contractors from losses due to construction damage.
Protects businesses from from unexpected financial
losses whist employees are travelling.
Aircraft and/or liability associated with aircraft, airports or hangers
Commercial vessels and liability
Liability whilst repairing or working on vessels
Loss of income and expenses due to weather/non-appearance of performers
Legal expenses to defend patent, trademark or copyright
Protection for people who are injured whilst doing voluntary work
Your liability for injury to employees
Loss of income if you are unable to work following illness or injury
Personal Accident Required Information

Personal Accident provides cover for accidents only. Personal Accident & Sickness will include Sickness also. Please note this does not extend to any pre-existing conditions.



Receive payments monthly or annually at claim time.

Period between when the claim occurs and when you will begin to receive payment.

In the event of a claim, how long will you receive payment.


Amount per week you would like to receive in the event of a claim. (Must be a true reflection of your earnings)

The lump sum that a policy can pay you if you suffer a permanent injury that leaves you unable to work. This is an additional payment to your weekly sum insured.


Declaration and Duty of Disclosure

When you apply for an insurance policy, or renew or extend your existing policy, you have to tell the insurer everything about you and your situation that is relevant or could reasonably be expected to be relevant to the insurer’s decision to insure you. You don’t need to disclose something you don’t know, that reduces the insurer’s risk, that is common knowledge, that the insurer knows or ought to know, or something that’s not relevant or the insurer has told you that you don’t need to disclose. With insurance, honesty is the best policy.


Disclosure Questions

If you answer 'Yes' to any of the questions, please enter full details below. 
Yes No


Claim Details





 
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Why public Liability Comparison

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  • We’re real people, in Australia that provide you with only reputable public liability quotes that you can rely on.

     

  • We do the hard work for personal trainers by comparing public liability quotes from multiple insurers for their insurance.

     

  • We manage the entire claim. We work for you, not the insurer – to get you the outcome you deserve.

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Publicliabilitycomparison.com.au by Insure 247 Ausure Insurance Brokers Pty Ltd T/as Insure 247 Authorised Representative of Ausure Pty Ltd AFSL 238433. 
General Advice Warning: Please be aware that any advice that may have been given or implied is general advice only. We have not taken into consideration your individual needs, objectives or financial requirements. Before deciding to purchase a financial product, you should consider the appropriate Product Disclosure Statement to ensure the product is suitable for your needs. 

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