Sports instructor insurance

Cover4Sport the new home of Cover4Dance, Cover4Pilates, Cover4Yoga, Cover4Zumba, Cover4Fitness & Cover4Cheerleading.

Request a quote online.

Available Cover

Public & Products Liability - Included

Public Liability: Accidental injury to members of the public or accidental damage to their property. Products Liability: Accidental injury or accidental damage to property resulting from products supplied.

Professional Indemnity - Included

Provides cover for your civil liability for damages in connection with the conduct of your Business. Cover applies to claims first made against you and notified to us during the period of insurance.

Employers Liability - Optional

Provides protection against your legal liability for damages and legal costs arising from injury to any person employed by you in the course of their employment in your business.

Shows/Performances - Included

Should you be arranging shows or performances throughout the year, our policy automatically provides cover for your potential liability for loss or injury to the audience for up to 20 shows/performances with a maximum audience size of 500 persons.

Do you have a studio? We can provide insurance products for most other types of cover.
Call us on 0330 123 5063

Our Reviews

Cover4Sport is trusted by over 1,500 sports instructors. Read what our customers say about us below.

" Been using this company for many years and have recommended to all my BTDA teacher friends as well.. "

" Fast and eady. "

" Fantastic service. I totally recommend it.. "

" Really simple to us and had all relevant information clearly listed. "

" Great service. "

" Nice easy to use online system with good telephone back up.. "

" Called up for some help on website and man on the phone talked me through every step and explained all I asked, stayed on phone through whole process to ensure I didn’t face any more difficulties, Thankyou. (Didn’t catch his name sorry). "

" Amazing. "

" All very easy. Online chat function works well and helpful. Thanks.. "

" quick, easy & affordable. Perfect. "

" Thank you. Easy to use renewal system. Good price. Happy so far.. "

" simple and easy to use. Professional and friendly at the same time.. "

Frequently Asked Questions

You can find answers to the most asked questions below. If this does not answer your question, please get in contact with the Cover4Sport team who will be happy to help.

You are required by law to have Employers' Liability insurance for people whom you employ under a contract of service or apprenticeship. Whether you need Employers' Liability insurance for someone who works for you depends on the terms of your contract with them. This contract can be spoken, written or implied. It does not matter whether you usually call someone an employee or self-employed or what their tax status is. Whether you choose to call your contract a contract of employment or a contract for services is largely irrelevant. What matters is the real nature of your relationship with the people who work for you and the nature and degree of control that you have over the work they do. The following paragraphs may help give you some indication of whether or not a person is an employee under the Employers' Liability (Compulsory Insurance) Act. However, it is for you to satisfy yourself of the status of the persons working for you and if you have any doubts, you should seek legal advice.
You may need Employers' Liability insurance for someone who works for you where:
  • you deduct national insurance and income tax from the money you pay them;
  • you have the right to control where and when they work and how they do it;
  • you supply their work materials and equipment;
  • you have a right to any profit your workers make although you may choose to share this with them through commission, performance pay or shares;
  • you require that person only to deliver the service and they cannot employ a substitute if they are unable to do the work; or
    they are treated in the same way as other employees, for example, they do the same work under the same conditions as someone else you employ

Yes, but keep in mind that the policy does not allow for a refund, in the event that it is cancelled or amended prior to the expiry date.

Subject to the terms of the policy, cover is provided for the legal costs incurred due to investigation by HMRC.

Yes. The policy provides cover for a company or Individual and their employees only; it cannot cover more than one entity.

Yes. You are still exposed to the same risks as a full time teacher.

We accept payment by debit or credit card and no charge is made for either of these card types. We are unfortunately unable to accept American Express cards. If you wish to pay by direct debit at renewal, there is an option to pay over 3 or 10 months. If you wish to discuss either of the above payment options, please call us as soon as possible on 0330 123 5063.

Yes you can increase it up to £10,000,000, just give us a call on 0330 123 5063.

Get In Touch !

Get in touch with the Cover4Sport team who can answer any questions you have.