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500+ Techniques Covered, Including Online Training. Affordable and Same-Day Coverage.
$189/YEAR
Are you a personal trainer or fitness instructor in North Carolina? Insure Fitness Group offers complete coverage for just $189 annually. At only 52 cents per day, it’s a bargain! Save up to 40% and easily buy online in less than three minutes. Don’t miss out on this fantastic chance to protect yourself and your career!
Our policy was created with personal trainers in mind, aiming to tackle the unique challenges they encounter. Unfortunately, clients sometimes injure themselves. People often get injured by dropping weights, falling from equipment, or tripping over gear. We hope you never have to file a claim, but if you do, know that we’re here to help you every step of the way.
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.
Personal trainers need to have their own insurance, even if their gym gives them coverage. A study conducted in 2023 found that 27% of weightlifters had experienced shoulder, knee, or wrist injuries in the last six months.
At Insure Fitness Group, we value the safety of your clients. Whether you’re coaching in the bustling city of Raleigh or along the stunning Blue Ridge Mountain trails. Even with your expertise, we understand that accidents happen at any moment. That's why our insurance is so important. By choosing us, you protect yourself and build trust with your clients. That trust reflects North Carolina's strong community spirit. This trust boosts your reputation as a fitness pro. It gives you an edge, like the success of North Carolina's top sports teams.
Personal trainers in North Carolina often face claims related to:
Negligent Training Resulting in Injury: A major case in New York resulted in a $2.25 million settlement for a 28-year-old woman who experienced severe lumbar spine injuries during a personal training session. She was instructed to use a stair climber with a 50-pound weight vest despite voicing her pain. The trainer pressured her to continue, which led to injuries that required several surgeries. The lawsuit claimed the trainer and gym were negligent and failed to provide a safe workout, emphasizing the need for proper supervision during exercise.
Failure to Adjust Exercise Routine: In Charlotte, a 35-year-old client fractured their spine during a workout under a personal trainer’s supervision. The client argued that the trainer was negligent in failing to design a safe exercise program and provide proper assistance during the workout. This led to a $700,000 settlement, highlighting the importance of proper training and supervision.
Mismanagement of Client’s Health Information: A personal trainer in Massachusetts failed to gather crucial health information before starting a training program. The client, with a history of knee issues, was directed to perform unsuitable exercises, resulting in a serious knee injury. The lawsuit claimed the gym was negligent in hiring and supervising the trainer. This led to a large financial settlement.
Trainers must keep their certifications current. They must do detailed health evaluations and tailor workouts to fit each client’s needs. Failing to follow these guidelines could lead to serious legal and financial consequences. Personal trainers need proper insurance. It protects them from claims and keeps their practice safe.
In North Carolina, while it is not legally required for personal trainers to have liability insurance, it is highly recommended. Many gyms and fitness centers in the state often require trainers to get their own liability insurance before they start working. This insurance helps protect both the trainer and the gym from potential claims that may come from accidents or injuries during training sessions.
Our Personal Trainer Insurance Coverage is more than just a standard policy. It provides a strong base for your career in fitness. It’s tailored to the demands of personal training. This coverage lets you focus on helping your clients. It protects your practice.
Our main goal is to empower our clients. We will do this through ongoing education and skills training. Enroll in our discounteddiscounted Continuing Education Units (CEUs), program to keep you ahead in the fitness industry. Stay updated on trends, techniques, and standards to help develop and move on your professional journey.
Personal trainers in any state can rely on our thorough policy to meet their insurance needs. Wherever you're located, this coverage will safeguard you. It's crafted to meet state guidelines. So, you can easily grow your business.
As an online or hybrid trainer, we are excited to provide support to fitness professionals like you nationwide. Our policy guarantees that all your live online live training sessions sessions are included without any extra fees. Additionally, your in-person sessions are protected. They give you peace of mind no matter how you teach.
In North Carolina, slipping on wet floors or tripping over equipment happens more often than you think. If a client gets injured during their training with you, you could be held liable for that.
From the beautiful beaches of Wilmington to the stunning mountains of Boone, clients throughout North Carolina count on you for guidance. Remember to be gentle and avoid pushing them too hard to keep injuries at bay. Our insurance covers any accidents that occur during sessions, allowing you to focus on helping your clients succeed.
No matter if you're coaching clients online in Raleigh or Durham, unexpected incidents do occur. Whether your session is happening in real time or is pre-recorded, you might find yourself responsible if anything goes wrong.
Whether you’re in a high-tech gym in Research Triangle Park or a small studio in Chapel Hill, protect yourself financially.
North Carolina is rapidly becoming a tech hotspot, particularly in cities like Raleigh and Charlotte, leading to a rise in cyber crimes. To keep you secure, we include $25,000 in ID Theft Protection with every policy.
The Tar Heel 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, North Carolina 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.
North Carolina 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. North Carolina 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, North Carolina's exercise trainers and group fitness instructors earn an annual mean wage of $48,750 .
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 North Carolina, it's important to plan ahead and research your local fitness scene - that way, you can stand out with your own brand.
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.
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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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