How to Teach Fitness to Seniors
September 25, 2024
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Protecting You and Your Business
If you’re a personal trainer, you must have comprehensive insurance. It’s necessary to safeguard your business. Insure Fitness Group offers top-notch insurance options, making sure you’re protected from potential risks.
500+ Techniques Covered Including Online Training
With Insure Fitness Group, personal trainers can get comprehensive coverage for only $189 per year, which breaks down to a cost of only $0.52 per day.
Here at Insure Fitness Group, we understand the unique challenges personal trainers face. That’s why we have created a policy that offers comprehensive protection. Whether it’s a client injuring their foot by dropping a weight or falling off equipment during your class, our policy supports you in such scenarios.
While we hope you’ll never need to make a claim, you can rest assured that we’re here to support you if you do.
Insure Fitness Group stands out from other insurance providers because we offer not only one of the most affordable options, but also provide occurrence form coverage. This is a type of coverage that covers claims related to incidents that happened during your policy period, even if your policy has expired.
Wouldn’t knowing that you’re protected—even if you no longer have an active policy with us—provide you with the ultimate peace of mind?
There are two primary types of liability insurance: professional and general liability insurance. They are both necessary for every fitness professional.
General liability insurance: Commonly known as a "slip and fall" insurance policy, general liability insurance covers injuries that occur on your premises that are not directly related to your professional services. For instance, if a client trips and breaks their ankle on an uneven surface in your gym, this type of insurance would protect you from the resulting claims.
Professional liability insurance: Also known as malpractice insurance, professional liability insurance protects you against claims arising from actual or alleged professional negligence. For example, if a client drops a barbell and injures themselves during a workout under your supervision, this coverage would protect you.
These coverages protect professionals 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. This is an additional coverage type that is included in an IFG policy.
Identity theft is an increasing threat. Identity Theft Protection assists in covering the expenses related to recovering your identity should it be compromised, ensuring your personal and professional identities are secure. This is an additional coverage type that is included in an IFG policy.
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Personal trainer insurance is a policy that shields trainers from the liabilities and risks of their profession. This insurance typically includes both general and professional liability coverage.
Provides security against claims of negligence or harm resulting from your training services. It is also sometimes referred to as Malpractice Insurance. This is important if a client claims they were harmed due to improper training techniques. It also covers legal expenses and settlements. This is if a client sues you for professional errors.
This insurance covers bodily injury claims and incidents not related directly to your professional services, but to issues that naturally occurred during your business operations. For example, if a client were to trip over a dumbbell or a loose rug on you property and hurt themself.
Having a strong digital footprint and effective marketing strategies are essential for the success of your business. Our General Liability Insurance covers personal and Advertising Injuries. It protects you from claims of defamation, slander, or infringement of someone’s rights in your advertising. With this coverage, you can confidently promote your services. Improving your marketing efforts.
Protect yourself from identity theft with $25,000 in Identity Protection that is included in an IFG policy. This extra layer of defense can help cover the costs of fixing your identity if it’s stolen. It keeps your personal and professional information safe.
Personal trainers must have their own insurance, regardless of whether they are employed by a gym that offers coverage. According to a 2023 study from the National Library of Medicine, 27% of weightlifters injured their shoulders, knees, and wrists in the past six months. The safety of your clients is a top priority. Accidents can happen, even with skilled pros in a controlled setting.
When you choose Insure Fitness Group for insurance, you’re not just protecting your business. You’re also building the trust your clients have in you. This trust is essential to building lasting client loyalty. It establishes you as a trustworthy fitness expert and sets you apart from other trainers.
Embrace the peace of mind that comes with knowing you’re protected. Our professional liability insurance lets you focus on what you do best, without the worry. Let’s ensure you have a successful personal training career that is secure and trusted.
Rest easy knowing that our Personal Trainer Liability Insurance is there to support you every step of the way. It’s not just about reducing risks; it’s about giving you the peace of mind to offer top-notch training sessions. Having this coverage protects you. It also gives clients confidence and shows your dedication to their safety.
Discover the liberty to take your fitness expertise beyond borders with assurance. Our professional liability coverage protects more than 500 training techniques, beyond fitness techniques all the way to yoga instruction, massage therapy and more, guaranteeing protection across your diverse skill set. It also comes with nationwide flexibility.
Understanding the necessary insurance for personal trainers is key. Professional Liability and General Liability insurance are fundamental, covering claims from professional errors, accidents at your training location, and product-related incidents. This coverage ensures financial and reputational protection.
Liability insurance, while not mandated federally, is strongly advised for all personal trainers. Certain states also necessitate it for licensure, and many gyms and fitness centers require it for employment. Beyond legal requirements, it affords significant financial security and enhances professional standing.
Yes, Personal Trainer Liability Insurance policies offer flexible coverage for various service locations, including client homes, gyms, outdoor venues, and more. This adaptability ensures trainers are protected across all work environments.
Professional Liability Insurance for personal trainers specifically guards against claims arising from professional advice or training guidance. This includes injuries or damages clients claim due to perceived errors or negligence in your professional services.
Indemnity Insurance for fitness instructors, often part of Professional Liability Insurance, protects against claims for damages due to professional misconduct or negligence. It’s important to defend against legal actions and legal fees and cover potential compensation costs.
Instructor Indemnity Insurance benefits personal trainers by protecting against legal claims and financial losses from professional services. This insurance supports the fitness professionals’ credibility, ensuring they can focus on delivering quality training without the worry of potential litigation.
To file a claim, please contact our Operations Team at sarasota.bsd.operations@ajg.com to start the claim process. The Operations Team will verify your coverage and have you complete a Claim Summary Form, there may also be requests for additional supporting documentation depending on your situation. Our team will handle the rest from there and contact you with the next steps.
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.
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. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. 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 an A rated (Excellent) insurance company, per 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. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.
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