The Best Personal Trainer Certifications for Aspiring Trainers
Now, more than ever before, the country needs personal trainers.Dedicated professionals committed to helping people stay fit, lose weight and live their healthiest lives are
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Accidents are a fact of life. When they happen, you’ve got to make sure your business is protected. That’s where Insure Fitness Group comes in. We offer a one-stop shop with the best policy to cover you across the board. Just $179 per year gets you the protection you need plus extra perks you’ll love.
$1 Million Per Occurrence
$3 Million Per Year
$25,000 Per Year
$1 Million Per Occurrence
$3 Million Per Year
$2,000 Per Year ($250 Deductible)
$150K Per Year
$1 Million Per Year
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One policy fits all
Yes! There are thousands of fitness-related injuries that occur in gyms and health clubs every year. A recent study published by the National Institute of Health found that the vast majority are caused by overexertion. Injuries as a result of overexertion were found to occur most often during general free weight exercise and group fitness classes. According to the Mayo Clinic, overuse injuries are more likely in those who have certain medical conditions, such as muscle weakness in the knees or hip area. Overexertion means going too fast or too hard and using a poor form that overloads certain muscle groups. From slips and falls after an intense workout to muscle tears from overexertion, there is simply a high risk for injury in sports and fitness training.
Breaking down the statistics above, there are two really prevalent forms of liability for personal trainer insurance—general liability and professional liability insurance. Slips, trips, and falls would fall under general liability and a client overexerting themselves and being injured could constitute professional liability. Knowing the fitness industry and the associated risks for personal trainers, Insure Fitness Group tailored our liability insurance plan accordingly. Our all-inclusive policy provides the perfect blend of insurance coverage and additional protections so our members can train with absolute confidence.
It’s simple! It’s liability coverage that protects against claims related to the day-to-day operations of your personal training business. For example, if a student sustains an injury in your session, insurance could protect you from the financial burden of a claim.
Insure Fitness Group offers the best coverage in the industry. We cover thousands of fitness professionals with A-rated insurance designed specifically for personal trainers just like you.
We cover personal trainers working in solo careers, small gym environments, or as employees of national gym chains. We created a personal trainer insurance guide for a complete breakdown of everything you need to know before purchasing a policy.
Each policy from Insure Fitness Group also provides professional, general, and product liability coverage, stolen equipment coverage, identity theft protection, and rental damage insurance. All of these coverages are available for $179/year, with no hidden fees. Let Insure Fitness Group protect your career and your future, with the best coverage in the industry- for less than your yearly gym membership.
GENERAL LIABILITY INSURANCE
$1 Million Per Occurrence
$3 Million Per Year
There are inherent risks, with all exercise classes and personal training sessions. Liability insurance protects you, the personal trainer, from claims and potential lawsuits for a multitude of accidents that could happen during class or a session. This protects you from accidents that may arise, through no fault of your own, as the personal trainer.
For example, if a student slips and falls on some split water during a training session and breaks their arm, you may be liable. If a student pushes themselves too far, into a move they cannot do, and injures them self, you may be liable.
While you may work hard to stay current with the health needs of each client, sometimes they are not as forthright with their conditions as you need them to be. For example, you may have a female client who has recently become pregnant, but has chosen not to share that information with you. You might also have a male client who has a heart condition, or other serious health condition that could put him at risk during some of the moves he will perform in class. Liability insurance would protect you from claims arising due to conditions like these. You can still see why it is critical for the health and longevity of your business that you make sure to have personal trainer insurance coverage.
Unlike other insurance companies, we will cover a claim that happens within the policy period even if it is filed years later. With this type of support, we know that you will be able to rest easy and focus your full attention on your personal training clients. Teach confidently with comprehensive coverage from Insure Fitness Group.
PRODUCT LIABILITY INSURANCE
$1 Million Per Year
Despite the fact that you worked hard to earn your personal trainer certification, teach clearly, and check your equipment on a regular basis, accidents can still happen. The fact is that there are inherent risks with exercise itself, and this risk only increases when various pieces of equipment are added to the mix. Product liability insurance can provide the peace of mind you need so that you can focus on training your clients instead of worrying about potential lawsuits.
Product liability insurance is the type of insurance that offers a warranty or guarantee on a product. It is specifically created to cover you in the event that a product malfunctions and causes injury or damage to third parties. Depending on how the product was manufactured, designed, and assembled, you could be at risk of a lawsuit. Even if your client uses the equipment incorrectly, you could still be held liable for any damage that was caused or bodily harm.
While personal training doesn’t always include equipment, when it does, your client’s risk of injury also goes up. All it takes is a loose spring, a moment of unfocused attention, or an improperly secured safety chain for an injury to occur. Product liability insurance helps to protect you in this type of situation, so that you do not bear the brunt of the financial expenses associated with a lawsuit.
General Liability: Coverage for accidental injuries and/or damages to property. You get up to $1 million for each occurrence and $3 million in total per member, per year.
Professional Liability: Coverage for injuries and/or damages to property arising specifically as a result of the fitness instruction services you provide. You get up to $1 million for each occurrence and $3 million in total per member, per year.
Product Liability: Coverage if the equipment were to malfunction and cause an injury and/or property damage. This can also pertain to products you use on the equipment like cleaners that might induce a bad allergic reaction. For this important liability coverage, you get up to $1 million per year in total coverage.
Rental Damage Coverage: Covers the cost of repairs to facilities that are rented. You get up to $100,000.
Stolen Equipment Coverage: When important group fitness equipment is stolen by a robbery by force you are covered up to $1,000 less a $250 deductible.
Identity Protection Plan: Covers up to $25,000 in identity restoration services for our group fitness insurance members.
For an entire year of coverage, IFG’s liability insurance is just $179. We also offer an incredible rate of only $59 per year for personal trainer students. You won’t find flat rates everywhere. Personal trainer insurance cost varies tremendously and some companies will base your cost on past claims history.
A vital component of our trainer insurance program lies in the built-in portability provision. Portability is a term used in insurance which means that the policy is not tied to a single location or way of providing services. This means you can switch employers, go from renting space to offering in-home training sessions, or you can have online sessions clear across the country and your policy will follow you every step of your fitness journey.
We know the best personal trainer liability insurance needs to offer you a benefit above and beyond just great liability insurance. That’s why our program grants you access to hundreds of dollars worth of exclusive offers and discounts from the leading names in health and fitness. We’ve also developed libraries of content geared just towards setting up and maintaining a successful personal trainer business. Mastering topics like utilizing social media and building a personal trainer resume will help your services stand out from the crowd. Resources like how to create a personal training liability waiver and release form can help protect your business. By having clients sign a waiver and release form, you are asking them to acknowledge and accept the potential risks associated with physical activity and release you from any liability that may arise from injuries or damages sustained during the training sessions.
Personal trainer insurance is a vital risk management tool and an important decision for you and your career. As with any important decision, it’s always a good idea to see how your different liability options compare to one another. Liability insurance for trainers should be no different. But clicking from one website to another and back again gets old fast. That’s why we’ve published all of the pertinent information from our liability policy and put it right alongside the offerings of the leading insurance competitors. We give you a side-by-side comparison because we are confident that our program comes with the best coverage options at the best rates available.
Emphatically, yes. Even if a case is entirely frivolous, legal defense without insurance can be financially devastating. Personal training insurance from Insure Fitness takes away the anxiety surrounding the what-ifs of a future claim. You’ll be covered from the minute you engage with a client, within the 50 United States. Read more about why personal trainer insurance is a must.
The best personal trainer insurance will provide comprehensive coverage options, covers a variety of different programs/workouts, follows you around the country, is affordable, and ideally, should even provide some additional benefits to members as many may never file a claim. Insure Fitness provides robust coverage limits for a variety of different liabilities, covers more than 150 different workout programs, follows you everywhere you train with clients, and also offers tips, discounts, and exclusives from the leading names in fitness, all at the low rate of just $179 per year.
Insure Fitness has created a policy that takes the risks of fitness professionals into consideration and provides coverage from several angles from which claims can occur during your policy period. Here’s an outline of the coverage:
Take the guess work out of personal trainer insurance – get more information about the 3 types of liability insurance every personal trainer should have.
Yes! As virtual personal training classes continue to increase in popularity, we’ve added online personal trainer insurance coverage for any class conducted via a medium like Skype where live training is being provided. This only wouldn’t apply to any previously recorded fitness instruction such as with a Youtube channel.
Absolutely. Because we want to foster the next generation of personal trainers, we offer the same coverage options as with our professional personal trainer policies to students for the low-rate of just $59 for a full year of coverage. Select the student rate here.
Occurrence form coverage is based on the premise that, if a claim is filed after your policy expires, no matter when this occurs, as long as the incident occurs during the period when your policy is active, you’re covered. This comes about from the simple fact that some injuries take months or even years to manifest and some clients choose to wait for a time before seeking restitution. Whatever the reason, even if it’s years after your policy has expired, if that incident occurred while the policy was still active, you’ll have the peace of mind of full coverage. Many carriers provide claims-made coverage that only extends coverage beyond a policy’s expiration if additional measures specifically taken to do so. Otherwise, under a claims-made policy, any claim occurring after a policy’s expiration is generally not covered unless you pay extra for a “tail” that will allow you to do so.
A great value of our plans lies in the fact that none of our liability coverages have a deductible attached. This means, if you need to file a professional liability claim with us, you pay nothing out of pocket to do so. Only our stolen equipment coverage has a low $250 deductible.
General liability claims arise from third-party injuries or property damage that occurs from broadly accepting clients and providing your service. Generally referred to a “slip and fall”, an example could be a client slipping on the pile of chalk left on the floor after a split-jerk and breaking their hip. Their medical expenses would fall under your personal trainer general liability insurance provisions. Another example might be where a client is walking out of their appointment and misses a stair on their way causing them to fall and get injured that way.
Professional liability is also called “malpractice insurance” as it relates specifically to a claim against the professional service you provided during a session. For example, a student may assert that your spin class was too arduous and led to a torn quadricep or another may say that you pushed them too far down into a front-squat and they hurt their back as a result. With cases like these, Insure Fitness members have peace of mind through a comprehensive professional liability insurance coverage.
Insure Fitness’s personal training and group fitness insurance program covers a wide array of different workout/exercise programs. At present, we provide coverage for more than 40 different programs. Everything from Aquatic Exercise, to Pilates, JazzerciseⓇ, P-90XⓇ, and ZumbaⓇ are all covered under our personal trainer insurance policies. If you don’t see your specific program currently listed, call or click to get in contact with an insurance specialist who may be able to add yours to our growing list.
Yes and yes! We’ve partnered with some of the leading names in the world of fitness to bring our members killer benefits, exclusives, discounts, and early access to a wide variety of different products and services.
Online insurance options are by far the most convenient for today’s on-the-go professional. We offer the convenience of a 100% online membership portal where you can purchase a personal trainer liability insurance policy and access all of your documents from anywhere in the world (and theoretically beyond) where you have an internet connection.
At Insure Fitness, we believe in transparency. That’s why we present our plans side-by-side with our leading competitors so you can see how all of our different coverage options stack up. At just $179 per year, Insure Fitness Group offers some of the most affordable rates, with the best coverage options, of any other carrier out there.
Our streamlined personal trainer insurance provides instant proof of insurance as soon as you sign up. You’ll also get great coverage with liability protection tailored for the risks today’s personal trainers face. Added bonus, you can opt for flexible monthly payments that work with your budget and access to an entire suite of benefits from day one.
Still have questions about our program or personal trainer insurance in general? No worries! Insure Fitness Group is available Monday through Thursday from 8 AM to 7 PM ET. On Fridays, we’re open from 9 AM to 7 PM ET. Leave us a message after-hours and we’ll get back to you ASAP! Contact us via online chat, telephone, or email, and we’ll get you the answers you need.
Now, more than ever before, the country needs personal trainers.Dedicated professionals committed to helping people stay fit, lose weight and live their healthiest lives are
In the hustle and bustle of today’s society, your time is more valuable than ever. Taking a chunk out of your day to handle getting
Professional liability insurance aka PLI insurance aka malpractice insurance aka errors and omissions insurance (oh my!), is one of the most important safeguards personal trainers
Ah, general liability. A term that can cause many trainers to instantly gloss over and desire to be anywhere else but inside an in-depth insurance
For most of us, shopping around for something like personal trainer insurance means pulling out our smartphone and typing “best personal trainer insurance” into the
Becoming licensed and certified as a personal trainer is a crowning achievement in the world of professional fitness. When you do the work, pass the requisite classes and exams, and obtain your CPT, you will be able to showcase yourself as a trusted authority who flat out knows how to train effectively.
Stay ahead of the fitness game with our exclusive content and offers!
©2023 Insurance Fitness Group – Privacy Policy
The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, LLC is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, LLC, a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, LLC also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by Arch Specialty Insurance Company, which is rated A+(Superior) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer.
Stay ahead of the fitness game with our exclusive content and offers!
