Insure Fitness Group

General and professional liability coverage are some of the most essential coverages for any personal trainer insurance policy. A liability is a risk that a client may encounter while under your instruction or in your facility. General liability and professional liability coverage are both necessary for every fitness professional.

• General liability: Commonly known as a "slip and fall" insurance policy, General Liability Insurance forms the bedrock of your protective measures. It addresses claims of bodily harm or property damage within your business setting. So, if a client trips over a dumbbell or their smartphone breaks during a session, this general liability coverage is your financial safeguard against these frequent operational hazards.

• Professional liability: In the hands-on and personalized world of personal training, risks are part and parcel of the job. Professional Liability Insurance, often called malpractice insurance, is your safety net if a client alleges bodily injury from exercise equipment or harm due to your training services. This coverage is crucial for defending your practice against the economic fallout of such accusations.

These coverages protect teachers from liability for non-physical injuries or damages resulting from actions like defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing.

Identity theft is an increasing threat. Including Identity Protection in your insurance portfolio adds a critical defense layer. It assists in covering the expenses related to recovering your identity should it be compromised, ensuring your personal and professional identities are secure.