Building a Hybrid Fitness Model

Hybrid Personal Training Guide: In-Person Training + How to Transition Online (& Insurance that Covers You for Both)

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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.

What is Hybrid Personal Training?

Hybrid personal training requires both in-person training as well as virtual training sessions in order to produce a highly-efficient means of providing services. Clients are still seen on a prescribed schedule with all the normal activities of in-person training take place. At in-person sessions, personal trainers provide physical assessments, run through new programs, and provide guidance.

Most importantly, in-person training tends to allow for a greater degree of trust to be built. Clients that trust a personal trainer to help them accomplish their goals are simply more likely to stick with it. Repeat business is good for any trainer and helps to build a solid client base.

Transitioning into online training simply means that as the client progresses into a program, trainers can begin to substitute more in-person sessions for online ones. Customized fitness plans can be managed online, where everyone can have access and see the progress being made. Exactly how many sessions and the level of services provided depends on the experience of the trainer and the needs of the client. With the hybrid training model in place, trainers have the potential for greater earnings and can provide a more diversified service offering.

Benefits of the Hybrid Personal Training Model

Hybrid personal training seems like it takes away from the “human” aspect of training with less in-person training sessions. However, this model actually makes a trainer even more accessible to their clients. The benefits to the client are that they have their trainer’s advice and guidance with them at all times and generally pay less overall. They can access the fitness plan, review their progress, watch pre-recorded workouts—all without leaving their home and on their own schedule.

In an age where everyone’s schedule is unpredictable, being able to access training online means personal trainers gain back what may have otherwise been no-shows. For the trainer, this creates a slough of benefits that can really add up including:

  • More time to focus on providing personalized holistic health plans to clients.
  • Better service creates a better client experience.
  • Clients are more likely to stick with a trainer they like.
  • Great results create brand evangelists for your services.
  • Less physical travel needed to and from a gym.
  • Can reach a broader audience outside a limited geographic area.
  • Less space and/or less frequency needed to provide services.
  • Can use online content to expand digital presence and market services.

Hybrid personal training allows trainers to meet clients where they are. Especially for clients new to fitness, this approach can be less intimidating and more flexible. By offering online sessions at reduced rates, you can create a situation where you have greater volume and increased profits. As well, diversification in how you’re offering service helps your business better weather economic downturns.

However, all of the benefits derived from offering hybrid personal training insurance can prove meaningless if you don’t have the appropriate insurance coverage in place.

Do Hybrid Personal Trainers Need Insurance?

Now that you know how the hybrid personal training model works, it’s time to think about insurance. Transitioning to a hybrid training model is an exciting time that can open up a world of additional possibilities. But a budding career as a hybrid personal trainer can be sidelined when an accident or injury occurs and your insurance coverage is not adequate to cover the event.

So, the first question to ask about hybrid training insurance is easy, does the policy cover you for both in-person training and online training? Hybrid training requires blending these training styles which means you need coverage that will provide for both at the same time. With IFG, you get some of the best insurance for personal trainers plan available today that covers you for both in-person and online personal training.

The next question we always field is, “do I really need insurance if most of my training is done online?”. The answer is an emphatic, “yes!”. For generally less than what you pay in gym dues each month, you get millions of dollars worth of liability coverage and a whole suite of protections designed exclusively for modern personal trainers.

Planning for Long-Term Success in Hybrid Training

In fitness, trainers are working hard to prevent injuries and accidents but the very nature of fitness means there’s physical effort required. Weights, complex machines, fast-paced movements, and clients from every level of physicality imaginable simply translates to a greater amount of risk being present for a personal trainer. When an unfortunate event happens is not the time to suddenly contemplate insurance coverage. For the most effective long-term risk mitigation strategy, personal trainer insurance provides the protection required.

What Hybrid Personal Training Insurance Covers

With so many different ways that an unexpected event could affect one’s career as a hybrid trainer, insurance becomes a vital way to help secure a long-term future in the industry.

A hybrid personal trainer insurance policy from IFG covers personal trainers from:

  • General liability – this is coverage from liability from an accident or injury to someone, on, or around your place of business.You may have also heard it called “slip and fall insurance” since this is an unfortunately all-too-common source of general liability lawsuits.
  • Professional liability – this is coverage against liability from an accident or injury to someone because of the personal training you provided. When a client gets hurt following your regimen, they may decide to file a professional liability claim against you. This coverage is also referred to as “malpractice insurance”.
  • Product liability – when equipment malfunctions or breaks and causes an injury or property damage, a claim against the trainer would fall under product liability coverage.
  • Rental damages – this protection covers accidental property damage that occurs within a rented space.
  • Stolen equipment – when equipment is stolen during a robbery-by-force, stolen equipment coverage kicks in with $1,000 worth of coverage and a $250 deductible.
  • Identity theft – especially for hybrid personal trainers relying on the internet to provide sessions to clients, identity theft is more of a threat. With IFG, our hybrid personal trainer insurance includes all the way up to $25,000 in identity restoration services.

These protections come together to create a stout, all-around insurance coverage for trainers considering switching to a hybrid training model. The policy also includes tons of great member benefits that really enhance the overall value received.

How to Save on a Hybrid Training Insurance Policy

At Insure Fitness Group, we are in the business of providing solid protection and great support for today’s fitness professionals. Knowing that today’s trainers need greater flexibility than ever out of a hybrid personal training insurance, we provide several options for securing coverage and saving money in the process.

Discounts for Paying In Full

If you want to pay for hybrid personal training insurance in installments it can be as low as $16.41 per month when financed through PayPal credit financing. But you can save as much as 10% off of this rate by paying for the year up front. At just $189, this annual rate is probably less than what you pay each month for a gym membership.

Discounts for Students

For students still in a personal training education program, you can get all of the coverage provisions of the professional policy for just $65 for an entire year of coverage. A great move is to wait until you’re almost graduating to get coverage. That way, your first year on the job as a hybrid personal trainer is covered with professional-caliber insurance for less then $5 a month!

Member Benefits Increase the Value Received

Whenever you’re comparing personal training insurance plans, make sure to pay attention to the member benefits information. IFG’s member benefits plan was designed to provide members with rich benefits that pay dividends from day one. Curated fitness plans, playlists, a free website, exclusive discounts, and more all help drive up the value of our hybrid personal trainer insurance plan.

Easy to Add Additional Insureds

Adding additional businesses is easy. Oftentimes landlords or gym owners will require being added as an additional insured to your policy. Either add a single additional insured for $10 each or save on bulk additions by purchasing an unlimited additional businesses package for $30.

Find Out More About Hybrid Personal Training Insurance

Ready to move forward with transitioning into a hybrid model? Then insurance should be your first stop. Contact our team today with any questions you may have and see why so many personal trainers trust IFG to cover every session and every rep.

Meet The Author:

Parker Franklin

Parker, IFG’s Brand Manager since 2022, began his wellness journey in 2020, leading to a significant personal transformation. He holds a journalism degree from Murray State University and started his career as an award-winning journalist in western Kentucky before transitioning into marketing and PR. At IFG, Parker is responsible for writing content, managing The Fit newsletter, and overseeing promotions and collaborations with affiliate fitness organizations.