What exactly does liability insurance cover for personal trainers? This blog breaks it down, from protecting you against accidents and injuries to safeguarding your business from legal claims. Whether you train in a gym, at home, or online, we’ll help you understand how liability insurance keeps you covered. Let’s explore what’s included in this essential protection!
Personal trainer insurance is important for protecting trainers from financial losses due to accidents or injuries that can happen during sessions, like a client slipping or equipment breaking causing injury. This insurance includes several types of coverage: general liability for incidents not directly related to exercises and professional liability for injuries from the training itself.
Just the Warm Up: What is Insurance for Personal Trainers?
Before we get too pumped up with the particulars of what personal trainer insurance covers, let us take a brief look at what personal trainer insurance is. Personal trainer insurance, or liability insurance for personal trainers, helps protect you financially in the case of a lawsuit or liability claim against you from a client. These liabilities could include accidents, injuries, or negligence claims.
As a personal trainer, there is a natural risk to your clients of injury from the exercises. Additionally, there is also the risk of accidents like a slip or fall. Personal trainer insurance would help cover the cost of these types of liabilities. The coverage for personal training provides financial security in the event of an unfortunate incident.
Types of Liabilities Personal Trainer Insurance Covers
Just as each client is unique, there are different types of liabilities that personal training insurance would cover. Insure Fitness Group offers three main types of liability coverage for personal trainers. We provide personal trainer liability insurance for professional liability and general liability.
We will explore the particulars of each type of liability covered by our personal trainer insurance policy.
General Liability Insurance for Personal Trainers
Let’s begin with some of the most common liability claims, general liability claims. General liability insurance covers incidents that are not explicitly related to your profession as a personal trainer. Often referred to as “slip and fall” insurance, general liabilities are accidents that occur during a training session or class.
For example, a client is coming in for a workout and trips on a weight that was not put away after the previous client. Your client takes a hard fall and breaks their wrist when they try to catch themselves. This injury requires immediate medical attention and causes them to miss work for a couple of weeks to recover. Your client decides to contact a lawyer and holds you responsible for the medical expenses, lawyer fees, and the loss of income during their recovery.
In the above situation, general liability would help protect you from having to pay for their expenses out of your personal resources.
Professional Liability Insurance for Personal Trainers
Professional liability insurance helps protect against claims that are directly related to personal training. This coverage would include injuries due to an exercise or activity in training. As you work with your clients to achieve their fitness goals, there is always the risk of injury during a training session or fitness class. Professional liability insurance for personal trainers would help protect you financially from a devastating cost of a lawsuit or claim against you.
For example, you are working with a client on weight training, and they attempt to squat a heavier weight than they are used to. They end up dropping the weight on their foot. This injury requires them to go to the emergency room, and they are put in a cast for several weeks to heal their foot. They file a claim against you for their medical bills, their attorney fees, and income loss during the recovery period.
In the unfortunate circumstance above, you could be held responsible for covering the cost associated with your client’s injuries. Having professional liability coverage through personal trainer insurance would protect you from having to pay these fees out of your personal pocket. The cost of a lawsuit or claim against you could be devastating to your finances and your career as a personal trainer. Keep yourself protected with personal trainer insurance from Insure Fitness Group.
Workouts Covered Under Personal Trainer Insurance
When working with your clients on their fitness goals, you likely utilize several exercises during a training session. While you may specialize in an area like aerobics or CrossFit training, it is important to have coverage for your specific area of fitness. Our personal trainer insurance covers more than 100 forms of personal training workouts and fitness modalities. Whether you primarily teach classes online, in-person, with groups, or one-on-one, our total coverage offers protection for the most popular exercises.
We offer coverage from the most popular training avenues like Barre and Zumba to more niche workouts like Orange Theory and Tabatas. Check out the complete list of activities we cover through our personal trainer insurance policy. With the specific coverage of professional liability insurance for personal trainers, IFG provides the peace of mind that comes from knowing that you are financially covered if the worst happens.
GET PERSONAL TRAINER INSURANCE IN MINUTES
Offering coverage for over 100 workouts, IFG protects you financially in the event of a lawsuit or claim against you. Our instant quote will have your coverage start the moment you sign up. Whether you are personal training over the internet, in-person, or still honing your personal training skills, having the protection of personal trainer insurance is a must. Get insured today.
