The majority of business owners will require public liability insurance to operate legally and to offer some protection to both them and their customers. Cover will vary between policies and providers, so you should always check your policy documents carefully and direct any queries to your insurer. In general, public liability insurance policies will cover the following:
Third Party Personal Injury
Accidents can happen regardless of how careful you are or what health and safety practices you put in place for your business.
If you've always been a fitness fanatic and enjoy helping others, you may have decided to open up an independent personal training business. Some people in your situation offer to do this on a mobile basis by travelling to the client's home or workplace. Others may come to an agreement with their local gym so they can practice within this space, while yet others will open their own facility. Clearly, insurance is important with this type of venture, but you will likely need a special category of insurance to protect you from all eventualities.