There are many moving parts to your fitness business
not all of them need to be cover by a policy!

What is an Incident?

An incident is any matter where injury or damage is a result and may give rise to a claim on the policy. When the instructor becomes aware of an incident it should be recorded to assist in the preparation of the claim. The ideal situation is that before an after each class the instructor asks the students if any of them have an existing injury / don’t feel well / are feeling very tired / taking medication that might effect their balance or breathing or their ability to perform certain moves / exercises. Any incident or concern raised should be written in the incident book / dated and signed.

What should you do for the injured person?

At all time you should render assistance to the best of your ability, including providing first aid by a qualified first aid provider as there should be one available anytime during training. Offer the injured person a drink, make them comfortable, render the appropriate duty of care and even follow up with a telephone call.  Contact your insurance broker to report the incident in case it evolves into a claim.

What you should advise the injured player?
Before you mention anything about insurance and claiming you must first contact you broker for direction. In most cases the first response to any injury cost is Medicare, then private hospital cover should the injured person have private health insurance, and then subject to the policy terms and conditions, the injured person maybe eligible to claim on personal / player accident policy if they operator has purchased it..

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