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Insurance Advice

Information, guidance and FAQs for coaches and exercise and fitness professionals who have our Fitness Insurance or Fitness and Sports Massage Insurance

FAO Coaches 

  • There is no coaching liability restrictions on policies in regards to COVID-19 and you are able to continue coaching as long as you are not breaking any Government restrictions and continue to follow their guidelines.  

FAO Fitness and Exercise Professionals

  • Personal training/coaching can continue one-on-one. Sessions must take place in a public outdoor space, and social distancing must be maintained. Sessions can’t take place in private gardens.
  • A coach/personal trainer can see multiple clients on the same day, as the coach/PT would be in attendance for work purposes.

See our Coronavirus (COVID-19) update: We’re here for the coach for the latest information on restrictions across the home countries. 

UK Coaching Fitness and Fitness and Sports Massage Insurance FAQs

Yes. Your policy provides protection for you if you are training with a client. You are also covered if they try to claim against you if they contract coronavirus, provided you are following the lockdown rules in your area.

No. Under current lockdown restrictions this is not allowed.

Yes, provided you are complying with the regulations. This means you can train one-to-one with a client in a public open space, such as a park or public gardens. You are not allowed to train with clients in their own (or your) garden, as this is not a public space. You should follow social distancing guidance at all times.

No. Under current lockdown restrictions this is not allowed.

Yes, provided you are complying with the regulations, i.e. training one-to-one, outdoors, in a public space and maintaining social distancing. You are not allowed to train with the same client more than once a day.

No. Under current lockdown restrictions this is not allowed as you can only train one-to-one with clients.

This should be done locally where possible, but you can travel a short distance within your area to do so, if necessary (for example, to access an open space).

Ideally, clients should train with their own equipment. If you do need to use your equipment you should make sure it is fit for use and thoroughly cleaned both before and after use by your client.

No. The loss of income cover under your policy only applies if you are unable to work due to an accidental injury you suffer whilst travelling to and from or during your sessions, such as a broken bone or sprain. Contracting a disease is not included under the cover. Likewise, there is no cover if you cannot work because you are required to self-isolate, due to a client being tested positive.

Yes. The Public Liability cover under your policy with UK Coaching protects you for coaching remotely over video conference. The policy also includes Professional Indemnity cover that protects you for other risks related to this, such as potential misuse of someone else’s intellectual property.

Yes. However, the insurance cover provided will only cover clients based in European Union countries noted as: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

When working remotely you should try to work as closely as possible to how you would in person. This includes making the usual pre-session checks, ie checking a client’s fitness, injuries, etc. If you are starting to work with a new client for the first time, but doing it remotely, again, you should go through the same steps you would as if you were doing this in person.

Yes, if you hold the appropriate qualification. However, you need to ensure you can manage your clients appropriately. Face-to-face you would work only with as many clients that you can reasonably monitor and manage. When working remotely you should take the same issues into consideration. Be aware that it will be harder to monitor multiple people online and so manage your ratios accordingly.

We do not set the parameters regarding group size. This is determined by the qualification you hold. However, you should only train with as many clients that you can reasonably monitor and manage.

We do not set the parameters regarding the age of clients you can train. This is determined by the qualification you hold. Age groups can range from children, adults and older adults.

If you have any further queries about your insurance, you can get in touch with us at [email protected] or call the UK Coaching Membership number on 0113 290 7612.


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