AITT Insurance

For AITT individuals

The UKs Leading Provider of Insurance to the Training Industry

Here you can apply for membership to AITT.

As a democratic organisation, every member has the opportunity to be elected to the AITT council. However AITT list to all members and actively promote positive change to our industry.

Members benefit from the expertise of industry leaders in the AITT, and have access to the members only section of the website. The AITT represents members on a number of forums, and regularly gets involved with initiatives relating to material handling usage. 

AITT will consider membership applications from companies, instructors of lift trucks and construction equipment, and others who have an interest in improving the standards of safety training for operators. 

As a non-profit organisation with a transparent structure and finances, you can see exactly where your money goes and have your say on how it is spent. 

AITT do not provide any insurance advice or products. All insurance advice, guidance and products are provided purely by Trainsure a trading style of Sydney Packett & Sons Limited. Salts Wharf, Ashley Lane, Shipley, West Yorkshire BD17 7DB. Registered in England & Wales No. 371448 Authorised and regulated by the Financial Conduct Authority. A Brokerbility Company

Discount for AITT Members

When requesting a quote or getting insurance through or Trainsure Insurance Partner, use the following code to claim a 10% discount.

AITT2020BLUE

How to Apply

Exceptional Insurance specifically for AITT Members.

If you have any questions or queries or this facility does not fulfil your business requirements, please contact Trainsure on 01274 206500

GET A FREE QUOTE

Trainsure is a registered trademark of Sydney Packett & Sons Ltd. Sydney Packett & Sons Ltd is authorised and regulated by the Financial Conduct Authority.
AITT do not provide any insurance advice or products. All insurance advice, guidance and products are provided purely by Trainsure a trading style of Sydney Packett & Sons Limited. Salts Wharf, Ashley Lane, Shipley, West Yorkshire BD17 7DB. Registered in England & Wales No. 371448 Authorised and regulated by the Financial Conduct Authority. A Brokerbility Company

FAQs

Commonly Asked Questions

Professional Indemnity is a commercial policy designed to protect your training company in the event that a client deems work produced or professional advice provided as inadequate. Indemnity cover, or professional liability insurance, will prevent you from suffering a financial loss when defending or settling the claim. Professional indemnity insurance covers for claims made by a client for professional negligence or mistakes made in the training you have done for them. These may include poor advice, professional errors, defamation or libel, and sub-standard work / training. Professional indemnity insurance can cover the cost of legal defence, compensation payments, any additional costs for rectifying an issue and loss of income as a result of the claim. PI cover should be seen as an essential consideration for your business insurance package. It’s important that you feel confident in the quality of your work, but even with the best intentions, accidental errors and disputes over quality can happen.
Public liability insurance covers claims of injury, illness or property damage by a learner or member of the general public against you or your company. This could include trainees, customers, clients, suppliers or the general public. Examples of a public liability claim include not providing a safe environment to train in which causes an accident, injury or damage to property or simply you spilling a drink on a client’s laptop during a meeting and cause water damage. Public liability insurance can also cover the cost of your legal defence, compensation payments and medical costs as a result of the claim.
The right level of cover for your business depends on the company size, the type of training you are doing and the contractual obligations you may have from customers or funding providers. (See Contractual Requirements) For example, a start up with a relatively low turnover and no contractual obligations may only require a low level of cover to start off with (possibly a Professional Indemnity limit of £250,000 and Public Liability of £1,000,000), while a larger organisation may find security in a higher level of cover (Professional Indemnity limit of £1,000,000 and Public Liability of £5,000,000). An important factor to think about (if it is not a contractual requirement) is the size of the contract you have with your client. If your client is not happy with your work, the least they may try is bring a claim against you to recover money they have paid you. You should ensure you have a limit of indemnity to cover this. If there is a problem with your delivery of training and the learner does not achieve the qualification or standard they anticipate, that could have an effect on your client. You could be liable for losses your clients suffer as a result of your mistake or alleged poor training and that cost will often exceed the amount your client paid you to deliver the training. You may be asked for compensation to cover the cost of the training course, as well as the cost of rectifying any mistakes you have made or retraining. There may also be legal costs to pay for the investigation and defence. Don’t underestimate how much this could potentially cost.

The first thing to check is whether your clients, accreditation bodies or funding providers require you to hold a specific or minimum amount of Professional Indemnity and Public Liability Insurance. It is common for businesses to require their suppliers to hold certain types and amounts of insurance so that if a mistake arises all parties are protected by an insurer. You should review your contracts carefully to check if you need to hold a specific amount of Professional Indemnity and Public Liability Insurance. If you are a member of a professional body, such as the AITT, or hold Government funding contracts for example with the ESFA, they will require you to hold a certain amount of Professional Indemnity and Public Liability Insurance as a condition of your contract / accreditation. Failure to hold adequate insurance may leave you exposed, not only to any claims made against you but also in respect of a breach of contract and claw-back of funds. This may be the whole contract value.

Professional Indemnity and Public Liability are types of business insurance that cover compensation claims, though the nature of these claims differ. The difference between Professional Indemnity and Public Liability insurance is that Public Liability caters for claims by members of the public / learners / third parties for injury, illness or damage while Professional Indemnity covers claims by clients and learners for professional mistakes, poor training or negligence. The key difference between Professional Indemnity and Public Liability insurance is that while Public Liability covers for risks of injury or damage, whilst Professional Indemnity is focused on the training and advice side of things, covering for professional errors and negligence.
Professional Indemnity and Public Liability insurance are both regarded as valuable for different reasons. While neither is a legal obligation, they may be a contractual requirement for funding, accreditation or generally with your customers. Having this insurance can offer the peace of mind that you and your business is covered if you do face a claim. No matter how careful and professional you are in delivering your training, this does not prevent someone alleging that you have made a mistake, caused an injury or damage to property. Without adequate cover, you could personally be faced with the cost of legal proceedings and compensation payments.