Protect Your Business with NICA’s Professional Indemnity and Public Liability Insurance

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?

• NICA members who are freelancing, self-employed as a coach/instructor, or operating as a sole proprietor trainer; and
• An active and certified coach or instructor in their respective fields; and
• Have paid 3 months of NICA Membership*

*If you are not a NICA member yet, please sign up via www.ntuc.co/coach.

How do I purchase?

To begin, please complete the application form and the required documents by 13 March 2025, Thursday via this link.  

Please scroll down for a recap of the details and the key timeline.

Key Date	Steps	Action Needed
6 April-13 April	Submit Application Form + Required Documents (by 13 March 2025)	Fill out the form to begin your application process. Once you have completed the form, email the following documents to nicainsurance@ntuc.org.sg: Sports & Outdoor Adventure and Education Coaches: National Registry of Coaches (NROC) Certificate Fitness & Wellness Professionals: National Registry of Exercise Professionals (NREP) Certificate Visual & Performing Arts Instructor: Proof of being an MOE or PA Instructor Enrichment: Proof of being an MOE or PA Instructor Note: If you’re unable to provide the required documents, please email us any other supporting documents that demonstrate your status as an active, accredited, or certified coach/instructor in your field AND Standard First Aid Certificate (if applicable). We will review your submission on a case-by-case basis. Please save the documents in a zip folder and protect the folder with a password. Use a fresh email to send us the password. This step is important because your documents contain personal data.
Week 1-2 March	Eligibility Review & Document Submission	NICA will review your submission to ensure you meet the eligibility criteria. If any documents are missing, we will email you, and you will have three (3) working days to submit them.
Week 3 of March	Payment	Once your eligibility is confirmed, we will send you a follow-up email requesting payment. You must make payment within three (3) working days to proceed.
Week 4 of March – Week 3 of April	Confirmation & Certificate Issuance	After payment is received, you will receive a confirmation email. Your Certificate of Insurance will be issued by the 3rd week of April

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.