What insurance for an independent trainer?

What insurance for an independent trainer?


Are you an independent trainer wondering about the insurance essential to your activity? What are your specific needs related to your training activity? What are the main risks in your business? When do you become responsible? All our advice to practice peacefully and the list of the best insurances for independent trainers.

Summary

    What is the price of the RC Pro Trainer?
    How does professional civil liability training insurance work?
    What are the guarantees of an independent trainer insurance?
    Trainer, what are the other compulsory insurances?

What is the price of the RC Pro Trainer?

There are many professional liability insurance contracts available to insure you as a trainer. Here we present the four main ones:
Hiscox
Guarantees
RC Pro Legal Protection optional / RC Operation optional / Cyber ​​Guarantee optional
Opinion
The cheapest contract on the market. It is recommended to add the operating liability guarantee. No deductible.
Rate
175.50 € / with the broker Coover
Solly Azar
Guarantees
RC Pro
RC Operation
Opinion
Best value for money for independent trainers. Ceiling of 250,000 euros
Rate
176,22 € / with the broker Coover
AIG
Guarantees
RC Pro
RC Exploitation Defense and recourse
Opinion
Monthly payment without additional premium. Ceiling of 50,000 euros
Rate
199 € / with the broker Coover
AXA
Guarantees
RC Operation
RC Pro Defense and Remedies
Opinion
Free monthly payment and electronic signature. Ceiling of 100,000 euros
Rate
270 € / year with the broker Coover
(180 € / year for self-employed people)
RC Pro Trainer insurance price

The prices presented correspond to the basic professional civil insurance contracts for the activity of trainer. The price may be higher depending on the options subscribed, the declared turnover and the status (self-employed or not).
How does professional civil liability training insurance work?

The profession of trainer is not a regulated activity, therefore professional civil insurance is not compulsory although it is strongly recommended.

The CPR trainer protects you in the event of material, immaterial and bodily damage caused to a third party during your professional activity. This damage can be caused by you, your service providers and also your equipment.

The activity of adult trainer / company trainer exposes you to many risks. Here is an anthology of the most frequent cases of questioning:

    a client invokes a contractual breach because he considers that the training did not respect the specifications;
    you are accused of intellectual property infringement;
    you are criticized for disclosing confidential information.

Thanks to this coverage, in the event of a claim, it is the insurer (and we you) who will compensate the victim of the claim.

The trainer's insurance covers you regardless of the location of the accident: at home, in a company, in a public place, etc.

This contract covers you for all training-related activities: vocational training for adults, personal development trainer, distance training, marketing training, first aid training, etc.
What are the guarantees of an independent trainer insurance?

RCP trainer insurance contracts contain various guarantees which are either included in the basic base or as an option.
Trainer professional civil liability
Main risks
The training you do causes your client to make bad decisions and cause them financial losses.
Probability
High
Comments
Special offers exist for self-employed trainers
RC Operation
Main risks
You break equipment at a customer's premises by accident
Probability
High
Comments
The operating liability is a more general guarantee that covers general damage related to the life of the company
Defense and appeals
Main risks
You are ordered to pay legal costs
Probability
Weak
Comments
Rarely used but very useful because of the amounts involved in the event of a procedure
Juridic protection
Main risks
Dispute with a client or with a service provider that you involve
Probability
Medium
Comments
Warranty often available as an option but rarely in the base base

Whatever type of training you provide, these guarantees will be essential to carry out your activity with peace of mind.

If you are attached to a training organization, training CPR insurance may be required.
Trainer, what are the other compulsory insurances?
Mutual health insurance Unemployed worker
Status
Optional
Remark
L