First aid trainer insurance

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Professional indemnity insurance for first aid trainers UK
Professional indemnity insurance for first aid trainers UK
Professional indemnity insurance for first aid trainers UK
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What is first aid trainer insurance?

First aid trainer insurance encompasses various products tailored to address the unique requirements of your first aid training business. As a first aid trainer, you not only guide clients through physical activities but also provide crucial health and safety advice. Therefore, a comprehensive insurance package is necessary.

How much does first aid trainer insurance cost?

Professional indemnity insurance for first aid trainers starts at £7.67 per month, and the cost increases based on the required insurance limits, business size, and claims history.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £9.54 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £20.41 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £22.78 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Included
Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

Chezza
on Trustpilot
14 February
Great!

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

Mokolada
on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do first aid trainers need insurance?

Clients trust you to keep them safe during training sessions, but accidents and unforeseen incidents can occur. Here are some scenarios highlighting the importance of insurance for first aid trainers.

Claims of injury from your instruction

Although rare, a client may injure someone when providing first aid and they may claim that you’re responsible because your incorrect or unclear instructions led to the injury.

Unforeseen accidents during training sessions

People constantly move around during physical activity, and equipment is lying about. Accidents happen, and you could be required to pay compensation if the injury is serious.

Failing duty of care

You’re in the business of teachings other how to safe someone’s life. Everything that you do must be precise, on point and delivered to your best abilities. A client may accuse you of doing your job poorly and demand compensation.

Something you said is taken out of context

You often get up close and personal with your clients. Something you do or say to a participant could be easily misinterpreted.

Professional indemnity insurance for first aid trainers

Professional indemnity insurance for first aird trainers provides cover against issues such as an accusation of negligence, breach of duty of care or making a mistake.

First aid trainers provide critical advice and guidance. Professional indemnity insurance is an affordable safety net should the worst happen, and you need to defend a legal claim from one of your clients.

What does first aid trainer professional indemnity insurance cover?

Professional indemnity protects first aid trainers from claims or accusations of wrongdoing from their professional advice.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you may be facing financial demands from a client because:

  • One of your studen misinteprets your instructions and injures another participant. You may be blamed and hold responsible for the damages. Professional indemnity insurance would be needed in this situation because the injury resulted from your professional advice.
  • Being a first aid trainer means you spend a lot personal time with your clients. Something you say or do could be taken out of context and next thing you know your client is suing you for professional misconduct.

What professional indemnity limit do first aid trainers need?

The professional indemnity limit you need will reflect your particular first aid training activities. When choosing a limit, consider the contracts you sign (they often ask for a certain level of professional indemnity cover), how often you work, how many clients you train, and possible financial impacts if your training advice goes wrong.

Switching your professional indemnity insurance

You can no longer make claims against the previous policy when you cancel or switch your professional indemnity policy. If you change provider, ensure your past work is covered, called “retroactive cover”.

Should I keep professional indemnity insurance if I retire from being a first aid trainer?

It’s wise to keep your professional indemnity if you retire from first aid training. Claims against professional misconduct can surface months or years after you delivered the work, and if you have cancelled your policy, you won’t be covered.

How long you keep your cover in place is up to you; consider the type of work you did and the likelihood that a client might bring a claim against you. 

Public liability insurance for first aid trainers

Public liability insurance shields first aid trainers from claims of injuries or property damage.

Because first aid trainers have regular face-to-face contact with clients and the public during their day, public liability becomes an essential cover.

What does first aid trainer public liability insurance cover?

If someone makes a claim against you for causing an accidental injury or property damage or loss, public liability will provide legal defence and pay compensation if you become liable.

As a first aid trainer, you might conduct sessions in a rented location or a park, possibly at a client’s premises. When you’re hosting a session and students comes to you to train, you’ll be required to see the space is suitably safe.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A trainee suffers a sprained ankle during a class and pursues you for medical costs
  • The owner of the rented location says that you or your students caused damage to their property and demands that you pay for it.

Other insurance first aid trainers buy

Other insurance you will need as a personal trainer will depend on your circumstances: Could you afford a legal dispute? How would you deal with a tax issue? What would you do if a client doesn’t want to pay?

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect you against various tax and legal issues you may encounter due to your profession, which are not picked up by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist you in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect provides qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Contract disputes
  • Unpaid invoices (over £200)

For example:

  • HMRC investigates your tax affairs
  • You need legal help chasing a significant unpaid invoice
  • You wish to take a business partner or client to court over a breach of contract

Shopping for first aid training insurance

Whether or not you decide to use Suited first aid training insurance to protect your business, it’s worth keeping the following in mind:

Price isn’t everything

Some providers offer rock-bottom prices, but after-sales service could be lacklustre. Check how easy it is to get in contact with your insurance provider. At Suited, we offer several options and answer quickly.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
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FAQs

Common questions

Do I need qualifications as first aid trainer?

In order to buy insurance with Suited, you must be in training to become a first aid trainer or already qualified.

Do I have to have professional indemnity for first aid trainers?

First aid trainer insurance is not a legal requirement but it is a sensible investment into the protection of your business.

Do I need to submit my qualifications to get first aid trainer insurance?

No need tto submit any proof of qualifications to secure insurance with Suited. However, bear in mind that you might be asked for it in the event of a claim.

Do first aid trainers need public liability insurance?

Most first aid trainers will benefit from the protection of this cover as their work consists of physical contact with trainees and other members of the public.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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First aid trainer insurance
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Go retroactive

Include retroactive cover to insure previous work.

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If you call to cancel within the first 2 weeks we’ll give you a full refund.

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* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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