ViPR Insurance

Our ViPR insurance starts from £56 per year for essential coverage, including £3 million in public liability, products liability, and malpractice liability, and £10,000 in financial loss cover. This base price applies to sole traders and includes Insurance Premium Tax but excludes our administration charge. The final premium may vary based on several factors, including:

• Your chosen level of liability coverage (options range from £3 million to £5 million)
• Additional optional covers selected, such as equipment insurance or personal accident protection
• Your business structure (sole trader, limited company, partnership)
• The number of additional activities or training modalities you offer beyond ViPR
• Your claims history and experience level

We offer flexible payment options, including monthly instalments, to help manage your insurance costs effectively. Multiple policy discounts are available for fitness professionals who require more than one type of insurance coverage with us.

Yes, our standard Fitness Gold policy can cover multiple training modalities alongside your ViPR instruction. When purchasing your policy, you’ll need to declare all the fitness activities you teach to ensure comprehensive protection.

Many common fitness disciplines are automatically included at no additional cost when you have ViPR insurance with us. These typically include conventional gym instruction, circuit training, kettlebells, and similar functional training methods that complement ViPR exercises.

Some specialised or higher-risk activities might require specific endorsement on your policy or an additional premium. These could include activities like Olympic weightlifting, high-intensity interval training (HIIT), or certain combat sports training.

Yes, your public liability and malpractice insurance covers claims arising from client injuries even when they’ve failed to follow your instructions correctly. This protection is crucial given the dynamic nature of ViPR training, where clients might alter techniques or exceed recommended intensity levels despite clear guidance.

To strengthen your position in the event of such claims, we recommend implementing extensive risk management practices, including:

• Documented pre-exercise screening for all clients
• Clear safety briefings before introducing new ViPR exercises
• Written records of all instruction provided
• Signed liability waivers (though these don’t replace insurance)
• Regular equipment maintenance checks
• Appropriate supervision ratios during group sessions

While these practices don’t prevent claims entirely, they demonstrate your professional diligence and can significantly strengthen your position if a claim occurs. Our policies provide legal defence costs even for unfounded claims, protecting you from the financial burden of establishing your innocence.

Your standard liability policy doesn’t automatically include coverage for your own equipment. However, you can add equipment insurance as an optional extension to your policy, which would cover your ViPR tubes and other fitness equipment against damage, theft, and in some cases, accidental loss.

Yes, having your own insurance remains essential even when teaching at facilities with their own coverage. Facility insurance primarily protects the venue’s interests rather than yours personally, and several scenarios could leave you exposed without your own policy:

1. The facility’s insurance might deny claims related to your specific instruction or programme design, arguing these fall under your professional responsibility.
2. If a claim exceeds the facility’s coverage limits, claimants may pursue you personally for the remainder, particularly if they believe your instruction contributed to their injury.
3. The facility’s insurer might pay a claim but then seek to recover costs from you through subrogation if they determine you were ultimately responsible.
4. When teaching at multiple venues, coverage gaps could exist between different facilities’ insurance policies.
5. Most facility insurance doesn’t cover you for private sessions conducted outside scheduled classes, even if they occur on the premises.

Your personal ViPR insurance travels with you regardless of location, ensuring consistent protection across all your professional activities. Many facilities now require instructors to carry their own insurance as a condition of teaching, recognising the importance of this dual protection approach.