Allied Health: Combined Professional Indemnity & Public Liability


Personal Trainer

Industry Segment

Allied Health

Claim Description

The Insured operates small personal training business. The Insured conducted a fitness training class and one of the participants was significantly overweight and passed away during the class suffering from cardiac arrest. The Insured had not completed any pre-exercise screening process. The Claimant in this case was the deceased wife.


The Insured faced claims for psychiatric injuries suffered by the Claimant, a claim by the estate for funeral expenses and a claim by the dependents of the deceased for the loss of financial benefit from the deceased had he continued living. The Insurer has paid in excess of $400,000.

The provision of the claims examples are for illustrative purposes only and should not be seen as an indication as to how any potential claim will be assessed or accepted. Cover for a claim will depend on the specific circumstances around the loss and would be subject to the terms and conditions of the policy concerned.

As with any insurance, cover will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained in this email is general only.  Coverage for claims on the policy will be determined by the insurer, not BizCover for Brokers, and will depend on the specific facts and circumstances involved.

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