Home Forums Starting your journey Insurance and legal advice for a personal trainer starting out :).

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  • #1000054
    DJLfitness
    Member
    • Total posts: 3

    Hey guys, just joined the forum and looking for some advice from you lovely people :).

    I have done all the qualifications to be a personal trainer, but I have yet to really pursue it until now.

    I have been into fitness for 15 years where I trained and competed in both bodybuilding and cross fit competition during different stages of those 15 years. To say I have an obsession for fitness is an understatement, and during those 15 years I was lucky to be trained and mentored by coaches considered to be at an elite level.

    My goal is to run a personal training business that offers the following services.

    1. Train people in person where I will charge an hourly rate, 1/2 hourly rate, or offer package deals.
    2. Sell one time training workout plans to people via my website or Facebook page to both Australian and overseas customers.

    My questions are regarding insurance and selling workout programs to people online and training people in person, so here we go :).

    1. For public liability and indemnity insurance I understand I don’t need to join a fitness organisation to attain insurance. Do you recommend I just contact an insurance broker to help me out in this regard?

    2. when I’m designing and selling workout programs to people online, will public liability and professional indemnity insurance cover me here? Or do I need different insurance for designing and selling workout programs to Australian and overseas customers. I looked online and couldn’t really find any information on this, so I am confused. I know that you can state under the terms and conditions of your website that there are risks of undertaking an exercise program that you provide, and you will not be held liable for any loss or injury sustained from undertaking the program. However, I am not sure if this will really cover me.

    3. Has anyone heard of Legal123. On there website they offer the Personal trainer legal package which helps you design a personal trainer contract/ release and waiver of liability form and templates for designing a privacy policy, terms and condition policy and a diclaimer for your website. But its worth $350 bucks, I wonder if there is a cheaper way to go about this.

    Thanx for taking the time to read my thread :).

    Looking forward to getting any tips and advice on these questions.
    Thanx guys.

    #1222513
    bb1
    Participant
    • Total posts: 4,485
    DJLfitness, post: 268858, member: 117267 wrote:
    3. Has anyone heard of Legal123. On there website they offer the Personal trainer legal package which helps you design a personal trainer contract/ release and waiver of liability form and templates for designing a privacy policy, terms and condition policy and a diclaimer for your website. But its worth $350 bucks, I wonder if there is a cheaper way to go about this.

    Thanx for taking the time to read my thread :).

    Looking forward to getting any tips and advice on these questions.
    Thanx guys.

    Please don’t use a template for something as important as this, seek professional legal advise even if it costs you $1000 bucks. If something goes wrong you want to make sure every I is dotted and T is crossed, when using a template all you need to do is make one wrong assumption and your goose will be cooked in 5 years when you need that error. $350 may sound a lot, but being sued sounds a lot more

    #1222514
    DJLfitness
    Member
    • Total posts: 3
    bb1, post: 268859, member: 53375 wrote:
    Please don’t use a template for something as important as this, seek professional legal advise even if it costs you $1000 bucks. If something goes wrong you want to make sure every I is dotted and T is crossed, when using a template all you need to do is make one wrong assumption and your goose will be cooked in 5 years when you need that error. $350 may sound a lot, but being sued sounds a lot more

    That makes sense :). Is there a specific lawyer for this that I should consult?

    #1222515
    JacquiPryor
    Member
    • Total posts: 2,344

    Vanessa from Legal123 is a member here – https://www.flyingsolo.com.au/profile/legal123-pty-ltd – and often writes for Flying Solo. I would say if she has a $350 package that’s an amazing price and you’d struggle to find something cheaper – however, I do agree with Bert that templates can be hazardous and whilst it may cost more, it would be worth paying for tailored advice/contracts/policies for you and your needs.

    You mention having the qualifications – have you registered with your industry body? I understand it might not be compulsory, but, there could be reasons to still do so? https://www.aipt.edu.au/ directs to a few places, including be https://fitness.org.au/registration? They seem to have information about insurance and the like at their website that may help.

    You may require different insurances for different countries depending on how you are structured and how you sell your products online. I’d have a chat to an insurance broker.

    Other things to consider is making sure you have an ABN in Australia either as a sole trader (and registering your business name if you won’t trade by your own name), or set up a company that has an ABN (accountant can help figure out the right structure for you), you may need to do these things, if not already done, before obtaining insurance to make sure the insurance links up to your business and is a business cost you can account for – again the accountant and/or insurance broker will be able to help sort this ‘order’ out for you (and make sure that name does not infringe trade mark rights in Australia or other countries you intend to promote!)

    All the best with it :)

    #1222516
    DJLfitness
    Member
    • Total posts: 3

    Thank you so much for taking the time to give me great advice, I really appreciate it. I will continue to do more research on the matter and evaluate my options based on the advice I have been given. Thanx again guys.

    #1222517
    Paul – FS Concierge
    Moderator
    • Total posts: 3,141

    Hi and welcome to the forums.

    These are exciting times for you!

    Good luck with your endeavors.

    Cheers

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