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Tracy Said:

my 14yr old daughter wants to walk dogs for people for pocket money but has no public liability insurance.?

We Answered:

If she accidentally injures an animal, she(actually you, since she's a minor) should pay for it. If the dog somehow injures her, the owner should pay for it. Put that in the contract.

Theresa Said:

How much do Australian insurance firms charge for public liability insurance?

We Answered:

Best way to find out is call few insurance companies like Allianz. Comm Insurance. You may try their website to get initial quote. It will also depend on what kind of business you are in and how much insurance you need too.

Max Said:

Public liability insurance & professional qualifications?

We Answered:

Contact an independent agent in your area. An independent agent represents more than one company so they can contact insurance companies that specialize in providing insurance for fitness professionals.

There are several companies that will readily write this type of insurance so it should not be a problem securing the coverage.

Wallace Said:

I am 17, and want to run a dance class, is there anyway I can get public liability insurance ?

We Answered:

You certainly can, as previously stated a good broker will be able to help you get the cover you need.

However I’d also suggest you contact the International Dance Teachers Association as they have a deal with insurance Company ‘Shepherds’ and quite often this kind of specially arranged cover can be better and cheaper as it is ‘needs specific’ than a ‘general’ policy that covers all sorts of things. I’ve attached the link to the IDTA insurance page.

I’m not recommending the company or product itself as I’ve never used them, and I’d still suggest talking to a broker to see if there are better deals around, but I’d say it’s good place to start.

As you obviously realise your age may make cover more expensive, but there are things you can do to offset this.

If you don’t already have any, recognised qualifications in things like first aid may help. I also recall my sister (ex dance teacher) taking a City & Guilds exam in exercise & fitness so that she could be covered by the local authority’s insurance when teaching aerobics. Not quite the same I appreciate, but you get my drift.

I highly recommend you talk to the insurance company and/or broker to see if there are qualifications that would reduce the cost, obviously there would be other bonuses from having these qualifications too.

Best wishes