Professional insurance for sports coaches

Professional insurance for sports coaches


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coach insurance


Exercising as a sports coach means exercising a job exposed to risks. In fact, there are risks of bodily injury, material and immaterial damage. If you are a fitness instructor, it is to your advantage to be covered by suitable insurance when practicing your activity. You will be covered during your sports lessons whether in a gym or at home. But what professional insurance to take out? What are the useful guarantees for the sports coach? Is RC Pro compulsory? We take stock.
What does the job of a sports coach consist of?

First of all, let's see what the job of a sports coach consists of. Also known as a sports coach, sports educator and sports teacher, the coach's mission is to develop sports programs for his students. It must accompany them through every step to enable them to achieve their goals whether it is to build muscle, lose weight, relax, or eliminate muscle or joint pain.

The sports coach is responsible for advising and encouraging practitioners. He must also frame and correct them. Fitness sessions can take place at home, in a club or in a gym. The lessons can be individual or group. In any case, to be successful, one must possess technical physical and athletic skills, as well as a good knowledge of human anatomy. You have to be patient, organized, dynamic and an educator.
Sports coach: do you need to take out professional insurance?

Among professional insurance, there is professional liability insurance. Also called RC Pro, this insurance is compulsory for all regulated trades. As your activity as a sports coach is not subject to this legal obligation, you are not required to subscribe to it. However, it is in your best interest to do so, as your trade comes with significant risks.

Professional liability insurance will be useful to you, because it intervenes to cover your liability in the event of damage caused to third parties in the course of the activity. It can be bodily, material or immaterial damage. If one of your customers is injured during physical activity, for example, the financial consequences of the damage will be covered by your Liability Pro insurance.
What the RC Pro sports coach insurance covers

Taking out professional liability insurance is strongly recommended, as the risk of injury is very real when playing sports. It can therefore happen that your clients are injured during your lessons, between fractures and head trauma from falls.

If the damage is caused by error, fault, negligence or recklessness on your part, the third party concerned may engage your civil liability and ask you to indemnify it. If this is the case, your RC pro insurance will cover you and compensate the victim for you. Here are some examples of situations in which your insurance can intervene:

    Personal Injury: One of your clients is injured during training and sustains personal injury. This damage can also be non-material damage, if the customer is unable to work because of the injuries.
    Material damage: during one of your home coaching sessions, you break an item of value and your client asks you for compensation. Your RC Pro may be activated to cover your liability.
    Immaterial damage: Sharing a video in the course of your professional activity transmits a virus to your client's computer. This immaterial damage can be covered by insurance.

Some insurance contracts for sports teachers or fitness teachers include legal protection coverage. Check with your insurer if this warranty is included. It can be useful in the event of a dispute with a customer or a supplier. You will receive legal assistance and assistance, and your appearance and defense costs will be covered by the insurance (if the dispute cannot be settled amicably).
What other insurances to take out to be well protected?

    Legal protection insurance: if this insurance is not included in your RC Pro insurance contract, you can