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500+ Techniques Covered, Including Online Training. Affordable and Same-Day Coverage.
$189/YEAR
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.
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Read everything you need to know with our handy guide on personal trainer liability insurance.
Yes, personal trainers absolutely need to have their own insurance even if you work for a gym that provides you with coverage. According to a 2023 study published by the Bureau of Labor Statistics, 27% of weightlifters in the last six months experienced an injury to their shoulders, knees, or wrists.
Your clients trust you to keep them safe during a session. But, even the most experienced professionals have accidents. Getting insured by Insure Fitness Group means you're not just buying a safety net. You're boosting your clients' trust in your services. This trust builds loyalty with your clients. It also establishes your reputation as a responsible fitness pro. It helps you stand out from other trainers.
Personal trainers in Massachusetts often face claims related to:
Clients slip on wet floors. They trip over the gym equipment. This causes severe injuries, leading to high medical bills and lawsuits.
If a client injures themselves due to improper technique demonstrated by the trainer. If so, the trainer could be held liable.
Faulty equipment causing injuries results in significant claims against the trainer.
Pushing clients too hard leads to muscle strains or other injuries, for which trainers are sued.
Here are a few real cases involving personal trainers in Massachusetts:
In a notable case, a personal trainer at a gym was sued after a client suffered a severe back injury. The trainer instructed the client to do high-intensity exercises. But, they did so without proper rest or assessing the client's physical condition. The lack of a medical questionnaire and proper records of the client's workouts were the main points in the case. The trainer was negligent. The gym didn’t provide qualified supervision. This led to a large settlement
In another case, a client sued the personal trainer and the gym. They did this after getting hurt from an inappropriate exercise routine. The client complained of pain and pre-existing conditions. But, the trainer did not adjust the routine. This led to more injuries. This case showed how important it is to have proper certification. It also showed the need to follow fitness industry standards.
In Massachusetts, a personal trainer failed to collect important information. They did not do a thorough health assessment before starting a training program. The client, who had a history of knee problems, was instructed to perform exercises that were not suitable, resulting in a serious knee injury. The lawsuit claimed the gym was negligent in hiring and supervising the trainer. This negligence led to a substantial financial settlement. These examples show why trainers must keep current certifications. They must also do proper health assessments and adjust programs to suit clients. They also highlight the potential legal and financial consequences of failing to meet these standards. Personal trainers need comprehensive insurance. It is essential to protect against claims and make sure their professional practice is covered.
In Massachusetts, personal trainers are not legally required to have insurance, but it’s highly recommended. Many gyms and fitness centers may require trainers to have their own liability insurance to work on their premises.
Our Personal Trainer Insurance Coverage isn’t just another policy. It’s a cornerstone for your fitness career. It’s made to cover the complexities and challenges of the personal training industry. It fully prepares you to focus on your clients’ transformation journeys. While protecting your professional practice.
We champion the ongoing education and upskilling of our clients. Our policy includes access to discounted Continuing Education Units (CEUs). They keep you at the forefront of fitness trends, techniques, and industry standards. They also propel your professional development.
Our full policy meets the insurance needs of personal trainers in all 50 states. It offers protection no matter where you are. This coverage is nationwide. It allows you to comply with state rules as you expand.
You are an online or hybrid trainer. We're proud to cover fitness pros like you all across the U.S. Your policy covers all your live online training sessions at no extra cost. Any in-person sessions are also protected, so you enjoy comprehensive peace of mind no matter how you teach.
Slip and fall accidents are more common than you'd think in the fitness industry. Whether it's a wet floor or just an accidental trip over equipment when clients are hurt under your watch, you could be held liable.
Clients come to you to be pushed and motivated, but overdoing it causes muscle strains or other injuries. Our insurance covers claims for injuries during sessions. Let us take that burden so you focus on helping your clients meet their goals.
Even if you're not physically with your client, you could still be held liable for accidents that happen from your online training sessions either live-streamed or pre-recorded.
Exercise equipment can and will break down, posing an injury risk to your clients. Whether it's fault of the equipment or the client, a lawsuit could arise. With Insure Fitness Group, you'll always be financially protected.
Cyber crimes are real and they are on the rise. Protect yourself and your data with $25,000 of our ID Theft Protection that comes complimentary with every policy.
Still Have Questions About Insure Fitness Group 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.
The Bay State’s fitness industry is growing fast – perfect for personal trainers others looking to get into fitness as a career. According to the Bureau of Labor Statistics, Massachusetts ranks among the top 10 states for employment of fitness trainers and instructors.
While the state does not mandate licensing requirements for personal trainers or fitness instructors, there are many reasons why you should still become certified: many employers prefer to hire certified professionals, clients prefer hiring professionals with proper certifications, and being certified helps you avoid liabilities because you are properly trained and prepared.
Massachusetts doesn't require a specific license to become a trainer, but earning your certification from a trusted provider demonstrates your knowledge to potential clients and employers.
Insure Fitness Group recommends top certifying bodies like ASFA (American Sports and Fitness Association, NETA (National Exercise Trainers Association), and NASM (National Academy of Sports Medicine).
While earning your certification is important, you can't beat real-world experience. Practical knowledge helps you stand out from the rest and bring in new clients. We recommend job shadowing, internships, or even starting out as a part-time instructor.
Local gyms are a great way to get your foot in the door, providing valuable experience to kickstart your fitness career.
Once you're off the ground with a certification and experience, you'll need to think about what's next.
First, you'll want to find your training niche. Massachusetts is a large state with a diverse fitness-minded population. What's popular in your county? Do you prefer training one-on-one or group fitness?
From there, learn how to market yourself as a personal trainer. Even a basic website goes a long way to build your reputation. Social media is perfect for showing off your training services and client results.
According to the Bureau of Labor Statistics, Massachusetts exercise trainers and group fitness instructors earn an annual mean wage of $57,360.
There are a number of factors that affect your salary, including your experience, education level, or services offered. If you're an aspiring personal trainer in Massachusetts, it's important to plan ahead and research your local fitness scene - that way, you can stand out with your own brand.
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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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