
Top Requirements for Solid Personal Trainer Insurance
For most of us, shopping around for something like personal trainer insurance means pulling out our smartphone and typing “best personal trainer insurance” into the
Get covered with comprehensive liability insurance made just for today’s digital fitness pros offering live training sessions to online clientele.
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Insure Fitness Group knows that today’s fitness environment requires personal trainers to be both flexible and also accessible to clients. We’ve developed an online fitness instructor insurance program that provides the coverage you need to confidently offer training sessions online.
Whether your virtual personal training career is performed as an employee within a national chain gym, as a sole proprietor, or as a freelance personal trainer working as needed, this coverage will follow you through every exercise, every session, and every client dream realized.
New to fitness insurance? Check out the personal trainer insurance liability guide we developed for help understanding what to look for in a quality insurance program.
To create the best insurance program for online personal trainers, we included generous coverage limits and made sure the plan stayed affordable. Highlights of our tailored virtual fitness instructor insurance plan includes:
With the rise in popularity of online personal training sessions, so too increases the risk of an unfortunate event resulting in a claim being brought against the online trainer. Encompassing online personal trainer insurance acts as a safety net for your finances and your career, letting the trainer focus on providing great online fitness rather than what might happen if an accident were to result in a claim..
Being able to offer personal training sessions online has never been more crucial. Whether this is a side hustle for a personal trainer or you make your living as an online fitness professional, online sessions offer trainers and clients greater flexibility than ever before.
As an online personal trainer, you should still employ the same routine as a regular in-person session. This starts with the very first client conversations where you help clients get honest with their health histories, expound on illnesses or injuries, and set realistic goals based on their baseline data. Online sessions should never skip this important step and require trainers to be all the more vigilant during the session to keep a watchful eye over their client.
With a solid program and steady participation, you can achieve great fitness results for clients and never even have a face to face interaction. This drastically improves your ability to target specific segments – wherever they may be across the nation or even around the world. For example, you may cater to student-athletes or perhaps you prefer geriatric fitness, but in any case, you can tailor your services and your marketing to match these demographics.
There are hundreds of thousands of accidents that occur each year that are fitness related but for the most part statistics on accidents with personal trainers usually focus on traditional, in-person training sessions. However, even as an online personal trainer, you will still face many of the same liabilities as your in-person counterparts.
Insurance is your protection against liabilities and other forms of loss that can befall you at some point during a career. The areas with the highest risk are given the highest limits. For online personal trainer insurance, this pertains to general and professional liability. These two forms of insurance cover claims related to the services you provide, as well as the general act of you conducting business.
Let’s look over why our virtual trainer liability insurance coverages offer the greatest level of protection for professionals offering live online personal training:
If you are considering getting your online personal training services covered by insurance, chances are good you are probably shopping around a little to see what your options are. Well, we hope we’ve saved you a little legwork by putting up a comparison of all our program has to offer right alongside the other leading names in online fitness insurance. Check out this side-by-side comparison and see how IFG stacks the weights when it comes to online personal trainer insurance.
Receive instant coverage and proof of insurance certificate via email immediately upon checkout, which takes less than 5 minutes.
Professional + General Liability: $1 million per occurrence, $3 million per year Product Liability: $1 million per occurrence
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You get identity protection, $1,000 of stolen equipment coverage, and fitness-related product discounts.
From popular programs and routines like Bodybeast®, cross training, HIIT, and Silver Sneakers®, our online personal trainers have the greatest flexibility when it comes to choosing a program and knowing it’s covered. However, if you don’t see your preferred online fitness program listed, you can talk to our licensed agents about seeing if it can be added to our growing list of covered services.
Just a few of our many covered fitness programs include:
Still have questions about our program 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.
For most of us, shopping around for something like personal trainer insurance means pulling out our smartphone and typing “best personal trainer insurance” into the
Hybrid personal training is a lot like having a great fitness career and a great fitness side hustle simultaneously. With a hybrid model, trainers offer both in-person training, as well as online training. We recognize this may be a new way of providing training for many, so we’ll cover everything you need to know about how the hybrid model works and what to look for in a hybrid personal trainer insurance policy.
In recent years there has been a meteoric rise in personal training that is conducted with clients completely online. Since these sessions aren’t in person, many trainers may decide to forego purchasing personal trainer liability insurance.
Becoming licensed and certified as a personal trainer is a crowning achievement in the world of professional fitness. When you do the work, pass the requisite classes and exams, and obtain your CPT, you will be able to showcase yourself as a trusted authority who flat out knows how to train effectively.
The year was 1999, and at the time I owned a small, but elegant personal training studio in NY called “BodyFX.” From Monday to Friday I would arrive at 5 am to open up and meet my first client, often not leaving to head home till somewhere around 9 at night.
Professional liability insurance aka PLI insurance aka malpractice insurance aka errors and omissions insurance (oh my!), is one of the most important safeguards personal trainers
For the vast majority of 2020, personal trainers and gyms have been some of the worst hit due to restrictions and limitations surrounding COVID-19. As the industry adjusts to the “new normal” personal trainers are having to adapt to new health and safety concerns with innovative means.
Occurrence form coverage is something we’ve touched on a lot in our ongoing blog series but if you’re new to Insure Fitness (welcome!) or just exploring your personal trainer insurance options, you may have never come across this term. So why is occurrence form so vital for today’s trainers? We’ll deep dive into this crucial policy provision that can mean the difference between full and complete coverage versus zero coverage for the exact same claim event.
Obtaining your personal trainer certification at home or generally wherever you have a connection to the internet is an extremely convenient, affordable, and efficient means of getting this important distinction. Whether it’s time to boost your current level of fitness acumen or you’re launching a new career, personal trainer certification is a benchmark to set yourself apart as a knowledgeable professional in the field.
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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. Arthur J. Gallagher Risk Management Services, LLC is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, LLC, a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, LLC 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 Arch Specialty Insurance Company, which is rated A+(Superior) by 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.
Stay ahead of the fitness game with our exclusive content and offers!