Instant Cover for members of AUSactive

AUSactive has partnered with upcover to help you find simple, affordable and quality fitness insurance.
FEATURED IN
"Very easy to use, gave me a price in seconds. I liked that I did not have to answer too many questions to get a price. First time business owner and I'd highly recommend them."
Jamie SMITH
"Completing the application and the transaction was fast and painless. The pricing was competitive and I got a deal too!"
Heather Miller
"I've tried many insurance companies for my business and they all asked me for long forms to be filled to get a price. upcover was able to get me a price for my business insurance in seconds."
Andrew Collins
WHY UPCOVER

Instant Insurance Cover

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Why upcover

Why choose upcover for fitness professionals insurance?

upcover’s got your back with business cover!

At upcover we understand the trauma of going through a complaint, responding to a legal proceeding or investigation. The allied health professionals insurance aims at working as a safety net to minimise your out-of-pocket expenses, in paying legal bills, responding to or even settling a dispute - so you don’t have to lose focus on running your business, or part with your hard-earned savings.

COVER STARTS FROM
$280.00
per year
Instant Cover
Cancel Anytime
Acclaimed Claims Service
Market Leading Insurance
Instant Proof of Insurance
GET INSTANT QUOTE
WHO WE COVER

It's quick, it's easy, it's upcover

Public and products liability and professional indemnity insurance are available from $280 per year*
Personal Trainers
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Yoga Instructors
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Sports Trainers
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Pilates Instructors
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Dieticians
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Other 20+ fitness Professions
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*This is based on an NSW business - a non-public company with average annual revenue of $100,000 and looking for an insurance cover of $10m in public liability and products liability and $1m in professional indemnity insurance with the Healthcare Professionals Civil Liability insurance policy. Please note insurance prices may vary for different occupations.
cover for all situations

This sports trainer insurance covers

Coaching for after-school programs
Coaching for holiday programs
Training routines
Contact sports training
One-on-one coaching
Non-contact sports training
Coaching through sports clubs
Competitions and matches played through clubs, leagues, federations and associations

This insurance covers your coaching and training services:

During school holidays
Outside of competition rosters
No limit on the number of hours you train and coach
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PROTECTS you Against

How does this insurance protect sports coaches?

upcover offers insurance that blends professional indemnity and public and product liability insurance, offering you tailored insurance solutions for sports coaches at affordable prices.

Professional Indemnity Insurance for rehabilitation counsellors (Limits up to $10m)

Professional indemnity protects you from claims made against your coaching and training business in the course of you providing your professional services.

Negligence

A young player collapses while playing netball. You’re the coach but do not administer proper first aid and CPR leading to serious health complications for the player and added stress to the family.  

Bad Professional Advice

A player was injured severely during a football league match for an A grade high school team. You suspected concussion, and knew this had occurred a number of times throughout the season, however each time you did not alert this or ensure the player left the field to properly recover and be medically assessed. This led to the parents claiming sustained short term memory loss, and difficulty learning in their final year exams.

Error of Judgment

You’re a football coach and conduct a game in a carpark rather than on the regular soccer field due to rain. A player ends up breaking their ankle from slipping over some oil. You can be sued for not playing the game at an appropriate and safe place.

Public & Products Liability insurance for sports coaches (Limits up to $20m)

Public liability insurance protects your coaching and training business against liability if someone gets injured on your premises or while you are providing your services.
Products liability insurance is for claims made against your coaching and training business for products supplied or sold by you to a third party. This might be a claim arising from a sports product or a product that injured someone.

Physical Injuries

A child gets injured while training for next season’s football season under your supervision. Turns out you were conducting the session without handing out the proper gear.

Trip, Slips & Falls

A player slips over a football that had not been cleared in the football field after a session, and fractures their ankle.

Third Party Damage

In a particularly wet season, your top team has missed three training sessions in a row. So that your players can continue to practice for the upcoming season, you arrange a new location for the group to train in a covered area. This was close to a residential area and led one student to damage an Audi that was parked nearby

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PROTECTS you for

How does this insurance protect fitness professionals?

upcover offers insurance that blends professional indemnity and public and product liability insurance, offering you tailored insurance solutions for fitness professionals at affordable prices.

Professional Indemnity Insurance for fitness professionals (Limits up to $10m)

Professional indemnity protects you from claims made against your fitness business in the course of you providing your professional services.

Injuries

A personal trainer lesson leads to an ankle injury as a client gets their foot stuck in the leg extension machine.

Bad advice

An exercise plan built by a sports trainer leads to severe muscle lower back damage for a rugby player.

Negligence

You're a yoga teacher and a client injures their back because you did not ask them if they had any previous injuries before commencing the weekend Vinyasa class.

Public & Products Liability insurance for fitness professionals (Limits up to $20m)

Public liability insurance protects your fitness business against liability if someone gets injured on your premises or while you are providing your services.
Products liability insurance is for claims made against your fitness business for products supplied or sold by you to a third party. This might be a claim arising from a faulty fitness product or a product that injured someone.

Third Party Injuries

A fitness trainer at your gym offers to care for a client's child while a workout commences. The child trips over a carelessly placed dumbbell, injuring breaking their arm.

Property Damage

You have a mobile gym service and have set up at a regular client's home. Unfortunately, throughout the regime, the TRX ropes swing and scratch the client's car.

Faulty Products

You sell your clients some muscle repair creams and ointments. A recent batch from your supplier turns out to be faulty causing burns and rashes on some clients. One client was so badly burned, they had to be hospitalised and had to take time off work.

support

Make a Claim

Had an adverse incident and want to make a claim to an award winning claims team? You can submit a claim online at any time.
Start by clicking on the link below.
Make a claim

Contact us

Give us, or our insurance partner, a call or drop us a line at any time. Our teams will endeavour to answer all enquiries within 24 hours on business days.
General Enquiries
hello@upcover.com
For questions relating to our product offering, information handling, policy coverage or anything else, please reach out here.
Cancelling your policy
support@upcover.com
You can cancel your policy at any time. Simply email us and tell us your business name, reason for cancelling, and we'll do the rest for you.
Making a compliant
COMPLAINTs@upcover.com
If you're unhappy with the service you've received by us or our insurance partner and wish to make a complaint, email us here.
If you want to reach out to the issuer of your policy, you can email ProRisk directly on enquiries@prorisk.com.au
FAQs

Commonly asked by our customers

What fitness occupations are covered under Allied Health Professionals Insurance?

The following occupations are covered under insurance for fitness professionals:

Dietician | Fitness trainer | Nutritionist | Nutritionist | Personal trainer | Pilates trainer | Sports trainer | Yoga Instructor

What other kinds of activities are covered for my profession?

Activities covered for Fitness trainer: (listed alphabetically)

1. Nutritionist and personal trainer
2. Physical fitness service other than as part of the operation of a fitness centre or gymnasium
3. Personal training
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Activities covered for Dieticians/nutritionists: (listed alphabetically)

1. Weight loss consulting
2. Weight Reduction Service - Mainly Diet Planning Programs
3. Weight Reduction Service - Mainly Exercise And Fitness Programs

What is the fitness professionals insurance that upcover offers?

This insurance is the tailored insurance cover that upcover offers to allied health professionals. Allied health professionals include sports trainers, personal trainers, beauty therapists, nurses, yoga teachers, massage therapists, disability support workers, social workers etc. but not dentists, chiropractors or doctors.

This insurance covers more than 300+ allied health occupations with market-leading insurance coverage at competitive prices, we are ensuring that you can get the cover you need in minutes from trusted A-rated insurers. Get a quote here.

What is Public and Products Liability insurance?

Public and Product Liability insurance protects you and your business in case your clients or any other third party sustains an injury and/or causes property damage during the course of your work. Business owners have a duty of care for any third party they interact with as part of their business activities.

By having an adequate level of cover, Public Liability insurance can help you avoid the stress of defending any claim yourself or paying any expensive legal fees so you can resume your business’ day-to-day operations without any hiccups.

What is Professional Indemnity insurance?

Professional Indemnity insurance is designed to protect you and your business from mistakes and breaches that can occur from the provision of your business’ professional services. For example, while working on a project with a client, you make a mistake that results in the client taking legal action against you.

Professional Indemnity insurance can cover your legal costs, as well as any settlements you may need to pay when the unthinkable happens.

What do I need to do to get a quote?

At upcover, we believe in simplicity. Just tell us your occupation, and your revenue and you'll get a price for the insurance in a matter of seconds. You’ll only need to answer a few more questions and you'll be able to buy a policy in minutes - not days or weeks or months!

Who is upcover's insurance partner?

upcover offers insurance products backed by Professional Risk Underwriting Pty Ltd (ProRisk), Australia’s Underwriting Agency of the Year in 2020.

What is a certificate of currency?

A Certificate of Currency is issued by an insurance company and is something you can use as proof that your existing insurance policy is valid. It contains all the information regarding your policy. You may be asked from time to time to prove your insurance - for loans to your business, for landlords of your premises, or for certain clients you might have. The moment you purchase your insurance from upcover you can send your proof of insurance to whoever requires it, at just a click of a button.

How can I make a claim?

You can make a claim by filling up this online form here.

Just answer a few simple questions and submit your claims form in minutes.
AUSactive has referred you to upcover Pty Ltd (ABN 17 628 197 437). AUSactive may earn a commission from upcover when you purchase a business insurance policy as a result of this referral.

upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”). upcover markets insurance products and services on behalf of Armada. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”). Armada, ProRisk and upcover and their employees act as agents of Swiss Re and not as your agent. Neither ProRisk, Armada or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.

Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available at upcover  and consider whether it's appropriate before making any decisions about whether to buy a product.
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Consider the Policy Wording For Allied Health Professionals Insurance Policy, General Terms & Conditions and the Financial Services Guide to decide if an insurance product offered by upcover is right for you.

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