Fitness Professionals Ltd Insurance Schemes

Fitness Professionals Ltd Insurance SchemesPublic & Teacher LiabilityFitPro is conscious that fitness professionals in today’s industry have a high risk of a claimbeing made against them. This is particularly the case since the growth of the “*no win, nofee” climate where people are encouraged to take legal action when any injury occurs –especially those sustained during leisure time. With this in mind we offer members exclusiverights to our Fitness Professionals insurance policy to ensure they are protected against anyliability claim that may be made against them by a member of the public including theirclients.This insurance scheme has been specifically designed for us by CMC Insurance Consultants,to cater for the needs of our members who require a flexible insurance. In other words, aslong as you are a resident of the UK or Ireland, this cover is available to all fitness instructorswith an accepted qualification and students on recognised courses whether operating locallyor worldwide, in a gym, studio, leisure facility, client’s home or outdoors. It provides forvariable work patterns, for those who are employed, self-employed, on contract or whochange between these options.Policy Cover1. The standard indemnity limit is £5 million for both Public Liability and ProfessionalIndemnity.2. It provides cover for the instructor working within his/her accepted qualifications.3. Includes advice the instructor gives on exercise and nutrition.4. Written on a worldwide basis for members resident in the UK and Ireland.5. There is no limit to the number of participants within a class, providing health andsafety requirements are observed.6. “*Indemnity to Principal” is automatically included to protect the interest ofemployer/contractor/hired or rented premises.7. The policy is on a “*Claims Occurrence” basis.8. No excess payable by the instructor in the event of a claim and no exclusions as longas working within accepted qualifications.9. Legal Expenses included.10. Deals with allegations made against you for injury, damage, libel and slander.11. “*Member to Member” claims included.12. There is no cancellation clause beyond the statutory limitation.Claims1. As the policy is on a “Claims Occurrence” basis, as long as the contract was in forceat the time of the incident, any claim will be dealt with by the insurers even if thepolicy is no longer in force.2. All claims occurring within the period of insurance are dealt with by the insurer.3. The instructor is required to provide information on the incident resulting in a claimbeing made.4. The qualification certificate is required for the activity taking place when incidentoccurred.Additional Information1. Increased indemnity limits of £10m and £20m are available if required.2. Evidence of acceptable qualification required when effecting policy.

3. Once insurance is in force any additional accepted qualification is automaticallyincluded without the need to submit the certificate.4. Children’s exercise is automatically included as long as accepted children’squalification is held and legal requirements adhered to.5. It is available to group trainers, gym instructors, personal trainers and level 4 fitnessinstructors and students on accepted courses.6. Policy extendable for some activities not directly fitness related.Terminology Explained*1. *No win no fee1. System used by solicitors where charge only made if case is won.2. *Indemnity to Principal3. Claim made against a principal (i.e. owner of hired premises, employer, contractor)which is the liability of the instructor will be dealt with under the instructor’s insurance.4. *Claims Occurrence5. As long as the policy is in force at the time of the incident that results in a claim theclaim will be dealt with by the insurer even though the policy is no longer in force.5. *Member to Member6. Incidents between class members that result in claim being made.PremiumUnited Kingdom - £60.00Republic of Ireland - €210 to include membershipCrèche ExtensionCoverOnly available as an extension to Public & Teacher Liability Policy.Crèche run in conjunction with class – maximum time 90 minutes.No age limit for children.Local Authority Guidelines to be adhered to.Instructor’s liability to carers.Carers and instructors liability to children.PremiumUnited Kingdom - £25.00Republic of Ireland - £34.00Instructor Equipment InsuranceCover1. Accidental loss or damage including theft of equipment.2. Maximum single article limit £500 unless specified.3. Money stolen directly from you maximum £500.Conditions1. Standard £50 excess applies, which increases to £100 for theft claims from vehicles.2. Property left in unattended vehicles limited to theft following forcible and violent entry.3. Property left in unattended venues limited to theft following forcible and violent entry.4. Property left in occupied venues in locked cupboards or lockers limited to theft byforcible and violent entry.5. Losses from unattended vehicles exclude all sound equipment, including CDs tapes,headsets and associated equipment and clothing other than when loading andunloading.

6. Theft of money excluded for theft from unattended vehicles.PremiumUnited Kingdom - £95.00Republic of Ireland - £130.00Personal Accident InsuranceIndividual quotations available on request contactCMC Insurance Consultants+44 (0)1794 516740The FitPro Insurance Scheme has been designed with you in mind to provide the necessarylegal protection and above all peace of mindIn conjunction with CMC Insurance Consultants Registered and authorised by the FinancialServices Authority Registered No 310684.Complaints Procedure:CMC Insurance Consultants and Aviva are members of the Financial Ombudsman Service forcomplaints from private policyholders, certain small businesses, charities and trusts. Shouldyou have a complaint, please initially notify your insurance advisor. Full details of ourcomplaints procedure are available from your usual insurance advisor. This complaintsprocedure does not affect your rights to take legal action.Choice of LawThe appropriate law as set out below will apply unless you and the insurer agree otherwise:1. The law applying in that part of the UK, Channel Islands or Isle of Man in which younormally live or (if applicable) the first named policyholder lives; or2. In the case of a business, the law applying in that part of the UK, Channel Islands orIsle of Man where it has its principal place or business; or3. Should neither of the above be applicable, the law of England and Wales will apply.Data Protection – Information UsesFor the purpose of the Data Protection Act 1998, the Data Controller in relation to anypersonal data you supply is CGU Insurance plc.Insurance AdministrationInformation you supply may be used for the purposes of insurance administration by theinsurer, its associated companies and agents, by insurers and your intermediary. It may bedisclosed to regulatory bodies for the purposes of monitoring and/or enforcing the insurer’scompliance with any regulatory rules/codes. Your information may also be used for offeringrenewal, research and statistical purposes and crime prevention. It may be transferred to anycountry, including countries outside the European Economic Area for any of these purposesand for systems administration. In assessing any claim made, the insurer or its agents mayundertake checks against publicly available information (such as electoral roll, county courtjudgements, bankruptcy or repossessions). Information may also be shared with otherinsurers either directly or via those acting for the insurer (such as loss adjusters orinvestigators).In order to assess the terms of the insurance contract or administer claims which arise, theinsurer may need to collect data which the Data Protection Act defines as sensitive (such asmedical history or criminal convictions). By proceeding with this application you will signifyyour consent to such information being processed by the insurer or its agents.