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500+ Techniques Covered, Including Online Training. Affordable and Same-Day Coverage.
$189/YEAR
With Insure Fitness Group, personal trainers and fitness instructors in Ohio can get comprehensive coverage for only $189 per year — a cost that breaks down to only $0.52 per day. Our policy saves professionals up to 40% and can be purchased simply online in less than three minutes.
Our policy is for the unique challenges fitness pros face. For example, a client might drop a heavy weight on their foot that causes an injury, fall off a Pilates reformer, or trip over equipment. These situations could all potentially lead to needing medical care.
While we hope you’ll never need to make a claim, you’ll rest assured that we’ll be there 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.
*MM = Million
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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 focus on your clients' safety just as much as you do. We understand that accidents do happen, even to the most seasoned trainers. That's why having our insurance coverage is important. By choosing us, you protect yourself and your clients. This is important in a state known for its sports excellence, like Ohio. Whether you train athletes near Ohio State or help local fitness fans, this reassurance builds client loyalty. It boosts your reputation as a trusted pro and gives you a competitive edge.
Personal trainers in Ohio often face claims related to:
Slip and Fall Accidents: Wet floors and gym equipment are dangerous for clients, leading to injuries and expensive medical bills. Keeping the area safe is important.
Improper Technique: Trainers would be held responsible if a client gets hurt because of bad instruction or incorrect form.
Equipment Malfunction: If broken gym equipment causes an injury, trainers might face big legal claims.
Overexertion Injuries: Pushing clients too hard causes injuries like muscle strains, which could lead to lawsuits against the trainer.
Negligent Training Resulting in Injury: In a case known as Vaid v. Equinox Greenwich Old Track Road, Inc. (2016), a jury awarded $14.5 million to the plaintiff. The client claimed that their personal trainer was negligent by allowing them to use a rowing machine set to a resistance level that was too high. After the plaintiff reported dizziness, blurred vision, and fatigue, the trainer insisted on more exercise. The plaintiff suffered a carotid artery dissection and eventually a stroke. The court found the plaintiff to be 25% at fault. They still received nearly $11 million.
Failure to Adjust Exercise Routine: A client took legal action against both their personal trainer and the gym after suffering a severe hip injury because of an inappropriate workout. Despite the client’s history of chronic hip pain and previous joint problems, the trainer did not modify the exercise routine. This oversight led to a serious deterioration of the client’s condition. The case showed the important role of certified trainers. They follow industry standards and tailor fitness programs to individual needs.
Trainers need to keep their certifications up to date. They should also conduct health evaluations and create workouts that fit each client’s needs. Ignoring these standards can cause serious legal and financial problems. Having the right insurance is important for personal trainers. It protects them from claims and helps secure their business.
While it is not legally required for personal trainers in Ohio to have liability insurance, it is highly recommended. Many gyms in Ohio require trainers to get their own liability insurance before they can train clients in their facilities.
Our Personal Trainer Insurance Coverage isn’t just another policy; it’s a cornerstone for your fitness career, crafted to navigate the complexities and challenges of the personal training industry. It ensures you’re fully equipped to focus on your clients’ transformation journeys while safeguarding your professional practice.
Our main goal is to empower our clients. We will do this through ongoing education and skills training. Enroll in our discounted discounted 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 designed to follow state guidelines. This lets you expand your business easily.
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.
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, clients can be hurt under your watch and you could be held liable.
Clients come to you to be pushed and motivated, but overdoing it can cause muscle strains or other injuries. Our insurance covers claims related to injuries caused during sessions, so let us take that burden so you can 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 Buckeye 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, Ohio 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.
Ohio 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. Ohio 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, Ohio's exercise trainers and group fitness instructors earn an annual mean wage of $37,550 .
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 Ohio, it's important to plan ahead and research your local fitness scene - that way, you can stand out with your own brand.
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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