New To Insurance?

Pprofessional liability insurance is a form of risk management in which the insured fitness professional can be protected from the financial responsibility of a potential loss.

It is designed to protect fitness professionals from claims that could threaten your business. This includes claims resulting from injuries suffered by clients during supervised training, as well as any injuries suffered by a person on your property.

According to the U.S. Consumer Product Safety Commission, there are approximately 460,000 reported fitness injuries per year. The average claim is approximately $5,500 – which would come out of your own pocket if you were uninsured.

In any industry, accidents are inevitable and unpredictable. This risk factor is amplified for fitness professionals, considering the physical nature of their work.

By carrying professional liability insurance, any risk of monetary loss is deferred to your insurance provider instead of you. One policy protects you across the board – no stressing over how you’ll pay off claims or having to defend yourself. Unfortunately, without coverage, it only takes a single lawsuit or claim to seriously threaten your business and livelihood. Even baseless claims can be costly if you’re uninsured.

Generally speaking, there are two types of liabilities when it comes to claims you may face: professional and general.

General liability claims arise from third-party injuries or property damage that occurs from broadly accepting clients and providing your service. Often referred to a “slip and fall,” an example could include a situation where a client is walking out of their appointment and misses a stair on their way out, causing them to fall and get injured. Their medical expenses would fall under your personal trainer general liability insurance provisions.

Professional liability, also commonly referred to as malpractice insurance, relates specifically to a claim against the professional service you provided during a session. This could include a claim that your training was too intense and led them to overly exert and injure themselves. Just like with general liability, your insurance policy would cover this case, providing you with peace of mind.

When shopping for insurance, there are a multitude of factors to consider. It’s important to find the right balance of coverage you need within your budget. Here are a few major things to look out for:

• Coverage: Make a list of potential risks and coverages you need specific to your business, then confirm the policy matches. 
• Limits: Any fitness professional insurance policy will have limits – choose a number you’re comfortable with and shop for policies with similar numbers. 
• Premiums: It doesn’t matter how great a policy is if it’s not within your budget.
• Reputation: Research the potential insurer and learn about its history. Take third-party impressions into account, including TrustPilot, Google reviews, social media reviews, and more.
• Customer Service: Connect with the insurer and ask questions! How easy is it to file a claim? Does the company have helpful customer service?
• Exclusions: Be aware of any exclusions or limitations in the policy, as these may impact your ability to make a claim

Unfortunately, it doesn’t. Your policy is purpose-built to protect you – the policyholder listed on the insurance certificate.

It’s easy! Just call us Insure Fitness Group at 800-379-7799. A representative can start your claim process over the phone or email you a form to complete.

You can apply right now through our easy-to-use insurance application. Your policy takes effect immediately, no hoops to jump through or long wait times!

Call Insure Fitness Group at 800-379-7799. A representative can start your claim process over the phone or email you a form to complete.