All You Need to Know about Personal Training Liability Insurance Guide

Coverage for the costs of claims plus the cost of legal defense fees when necessary is what personal trainer insurance does best. For one low, annual price, you get great coverage for general and professional liability claims, as well as product liability, rental damage coverage, stolen equipment coverage, and even an identity protection plan. 

Knowing all the different coverage types included with IFG’s tailored insurance plan just for fitness professionals is the best way to know you’re getting a great value for your unique career path. 

• Product Liability – any trainer knows the equipment in the gym are your tools for the trade. No matter what kind of fitness you’re into – group fitness classes, high-intensity interval training, or just about anything in between, you rely on your equipment to help deliver a great session. When a piece of equipment fails, an injury can occur. Product liability protection helps cover the costs to you that stem from someone being injured on a piece of equipment you have them use.
• Rental Damage Coverage – a lot of professional personal trainers need to rent space from a gym, studio, or even warehouse in order to provide their classes to clients. The landlord for this property can hold you responsible for paying the costs of repairs when any damage happens to the space you’re occupying. It could be a dropped Rogue Fitness® bumper weight that crashes into the wall or a backed-up toilet that ruins the flooring—accidents happen in a variety of formats. That’s why our coverage made for the real world provides all the way up to $100,000 to help cover the cost of any necessary repairs to a rented space. 
• Stolen Equipment Coverage – having your equipment stolen in a robbery-by-force can be both emotionally-rattling as well as a huge hit to your cash flow. Having to replace equipment in the midst of such an unsettling event is hard to imagine, so we include all the way up to $1,000 with a low $250 deductible to help you as you get back to normal.
• Identity Protection Plan – in the digital age we live in, cyber incidents happen 24 hours a day and 7 days a week. When your identity is compromised, it can take a lot of time and effort to help restore all the different areas of your personal finances. That’s where our identity protection plan really packs a bunch. You’ll get all the way up to $25,000 worth of identity restoration services from a dedicated expert so you don’t have to worry about all the details.

Covering yourself from all sides with affordable and effective insurance means your career is protected through every rep and every personal best. This allows you to focus everything on the client, rather than having to wonder about the “what-ifs”.