An Affiliate of the National Trades Union Congress (NTUC)
Coaches and instructors face unique risks that can lead to serious financial losses, from lawsuits over negligence to client injuries. Signed waivers don’t fully protect against claims, and service buyers often don’t cover you. NICA’s Professional Indemnity and Public Liability Insurance offers essential protection for your reputation, finances, and career.
- Financial Protection: Coverage for claims related to professional errors, client injuries, or property damage.
- Enhanced Credibility: Assure clients that you’re protected, building trust in your services.
- Peace of Mind: Coverage ensures you’re protected if a claim is ever made.
Who Benefits from NICA’s Insurance?
This insurance is designed for freelance coaches and instructors, whether you’re teaching sports, arts, enrichment, or wellness.
When Does This Insurance Matter Most?
Accidents or disputes can arise unexpectedly, regardless of the type of session or client. This coverage provides peace of mind by stepping in to cover legal fees and any potential damages, so you can focus on your work without worry.
Who’s Eligible?
| Existing NICA Members | New NICA Members |
|---|---|
| Be a member for 3 months or pay off 3 months of membershipGet listed on the U FSE Freelancer Directory | Sign up as a member by 31 Dec 2024 through www.ntuc.co/nica2. Get listed on the U FSE Freelancer Directory |
How to Get Started
- Express Your Interest: Complete our registration form by 31 November 2024 to secure your interest (form link).
- Build Your Profile: Submit your profile to the U FSE Freelancers Directory (profile link). Need help? Join one of our free clinics!
What’s Covered?
Pricing Options
- Basic Coverage: $144 per year
- Upgraded Coverage: $190 per year
(Prices inclusive of admin fee and GST)
Frequently Asked Questions
How do I make an insurance claim?
Email NICA with the details, and we’ll forward your case to the broker, who will appoint a lawyer as needed. The investigation period depends on the case.
Can I pay monthly?
No, payment must be made in full for the year to secure this rate.
What if I stop coaching or end my NICA membership?
NICA is unable to issue refunds if you discontinue coaching or end your membership mid-policy.
Does the insurance cover both my legal costs and any awarded costs to the claimant?
Yes, it covers both.
Can I choose only Professional Indemnity or Public Liability?
No, this policy provides both for full protection.
Is a client-signed liability waiver enough?
No, waivers don’t fully protect against claims. Proper insurance is essential for comprehensive protection.
Do I need this if I’m a sole proprietor with no employees?
Yes, even as a sole proprietor, coverage is important for protecting yourself and your business. If you have more questions, please reach out to us at nica@ntuc.org.sg, and we’ll respond within 3-5 working days.