Caravan Insurance Online :: News
SHARE

Share this news item!

Proposed Civil Liability Reforms: Implications for Fitness Professionals

Understanding the ICA's Call for Legal Changes Amid Rising Insurance Costs

Proposed Civil Liability Reforms: Implications for Fitness Professionals?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

The Insurance Council of Australia (ICA) has recently released a white paper advocating for comprehensive reforms to state and territory civil liability laws.
This initiative aims to address the escalating public liability insurance premiums that have been impacting various sectors, including the fitness industry.

According to the ICA, the average cost of public liability cover has risen by up to 60% since 2019, outpacing inflation and placing significant financial strain on small businesses and not-for-profit organizations. The council attributes this surge to outdated civil liability frameworks that have not been reviewed in nearly 25 years.

Key areas identified for reform include:

  • **Psychological Injury Thresholds:** Establishing clear criteria for psychological injury claims to prevent frivolous lawsuits and manage claim costs.
  • **Limitation Periods:** Implementing reasonable timeframes within which claims must be filed to ensure timely resolution and reduce prolonged legal disputes.
  • **Legal Cost Caps:** Setting limits on legal fees to prevent excessive litigation costs that contribute to higher insurance premiums.
  • **Combating Claim Farming:** Addressing the practice of soliciting personal injury claims through aggressive marketing tactics, which can inflate claim numbers and costs.

For fitness professionals, these proposed reforms could have several implications:

  • **Potential Stabilization of Premiums:** If implemented, the reforms may help curb the rapid increase in public liability insurance costs, making coverage more affordable for fitness businesses.
  • **Enhanced Legal Clarity:** Clearer laws and thresholds can provide better guidance on liability issues, reducing uncertainty and the risk of litigation.
  • **Improved Access to Insurance:** A more sustainable insurance market could lead to increased availability of coverage options tailored to the specific needs of fitness professionals.

In light of these developments, fitness professionals are encouraged to stay informed about potential legal changes and consider the following actions:

  • **Engage with Industry Associations:** Participate in discussions and advocacy efforts led by industry bodies to ensure that the interests of fitness professionals are represented in the reform process.
  • **Review Risk Management Practices:** Continuously assess and improve safety protocols to minimize liability risks and demonstrate proactive management to insurers.
  • **Consult with Insurance Advisors:** Seek expert advice to understand how potential legal changes may affect your insurance coverage and explore options to optimize your policies.

By proactively addressing these issues, fitness professionals can better navigate the evolving legal and insurance landscape, ensuring the continued protection and success of their businesses.

Published:Friday, 6th Feb 2026
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

Share this news item:

Insurance News

Survey Highlights Alarming Number of Australians Travelling Uninsured
Survey Highlights Alarming Number of Australians Travelling Uninsured
16 Feb 2026: Paige Estritori
Recent research conducted by the Insurance Council of Australia (ICA) and the Department of Foreign Affairs and Trade (DFAT) has unveiled a concerning trend: approximately 14% of Australian travelers embark on international journeys without any form of travel insurance. This statistic has prompted industry leaders to urge Australians to reconsider the importance of securing adequate coverage before traveling abroad. - read more
IAG's Impressive FY25 Performance and Strategic Outlook for FY26
IAG's Impressive FY25 Performance and Strategic Outlook for FY26
16 Feb 2026: Paige Estritori
Insurance Australia Group (IAG) has reported a notable 4.3% increase in gross written premium (GWP), reaching $17.1 billion for the fiscal year 2025. This growth is accompanied by a net profit after tax of $1.36 billion, marking a significant rise from the previous year's $898 million. The company's reported insurance profit stands at $1.74 billion, with a margin of 17.5%, and a return on equity improving to 19.4%. Shareholders are set to benefit from a full-year dividend of 31. - read more
Potential Decrease in Australian Insurance Premiums Amid Global Market Downturn
Potential Decrease in Australian Insurance Premiums Amid Global Market Downturn
16 Feb 2026: Paige Estritori
Recent developments in the global financial markets have sparked discussions about potential benefits for Australian insurance policyholders. A significant sell-off in the insurance sector on Wall Street has led analysts to speculate that Australian insurance premiums could see a reduction in the near future. - read more
NSW Court Decision Escalates Liability Risks for Construction Industry
NSW Court Decision Escalates Liability Risks for Construction Industry
16 Feb 2026: Paige Estritori
A recent landmark ruling in New South Wales has significantly altered the liability landscape for the construction industry. The court's decision removes the ability for developers and builders to rely on proportionate liability defences under the Design and Building Practitioners Act 2020 (DBP Act), thereby increasing their exposure to claims related to building defects. - read more
Rising Public Liability Insurance Premiums Challenge Australian Businesses
Rising Public Liability Insurance Premiums Challenge Australian Businesses
16 Feb 2026: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has released its latest National Claims and Policies Database (NCPD) statistics, revealing a substantial increase in public liability insurance premiums over recent years. According to the data, premiums have risen by 40% since 2015, a rate that surpasses general inflation and places additional financial strain on businesses across the country. - read more


Caravan Insurance Articles

Practical Security Measures Every Caravan Owner Should Implement Now
Practical Security Measures Every Caravan Owner Should Implement Now
In recent years, we've seen a troubling rise in caravan thefts nationwide, which has undoubtedly caused concern within our vibrant community. It's clear that the adage 'better safe than sorry' has never been more applicable to caravan ownership. - read more
The Hidden Factors That Influence Your Caravan Insurance Costs
The Hidden Factors That Influence Your Caravan Insurance Costs
Caravan insurance is a vital safeguard that protects your valuable investment from unforeseen incidents, whether at home or on the road. Understanding the dynamics of caravan insurance pricing is crucial for any caravan owner in Australia looking to get the most value from their policy while ensuring adequate coverage. - read more
Essential Tips for Choosing the Right Caravan Insurance in Australia
Essential Tips for Choosing the Right Caravan Insurance in Australia
Embarking on a journey with your caravan is an incomparable experience, offering a unique blend of adventure, freedom, and the comfort of a home on wheels. However, it’s essential to recognize that just like any significant investment, your caravan needs to be protected. That's where choosing the right caravan insurance becomes not just a consideration, but a necessity. - read more
The Importance of Reviewing Your Caravan Insurance Policy Annually
The Importance of Reviewing Your Caravan Insurance Policy Annually
A caravan insurance policy is essential for protecting your investment against various risks, such as theft, damage, and accidents. However, your insurance needs may change with time, and your current policy might not offer adequate coverage anymore. That's why it's essential to review your policy at least once a year and make the necessary changes to ensure it still meets your requirements. - read more
The Ultimate Guide to Comparing Caravan Insurance Quotes
The Ultimate Guide to Comparing Caravan Insurance Quotes
Caravan insurance is designed to protect your financial interests when you own a caravan. Just like any vehicle or property insurance, it provides coverage for damage, theft, or accidents. Given the unpredictable nature of travel and the investment involved in a caravan, having the right insurance is crucial for peace of mind. - read more


Your free Caravan insurance quote comparison starts here!
First Name:
Postcode:

All quotes are provided free and without obligation by a Specialist from our National Broker referral panel. See our Privacy Statement for more details.


Knowledgebase
Insurance Premium:
The periodic amount paid for the purchase of insurance.