subject: Fitness Liability Insurance [print this page] Litigation in some countries is rising along with the rise in popularty of fitness and industry growth.You need to protect yourself aginst the risk of legal action and damage clims by getting liability insurance.Liability insurance can cover the costs of damages claimed against you, so that your client is sure that theircosts are covered abd you do not have to pay them. The insurance company pays the damages.There are myny types ofcoverage and you need to be familiar with them before going out to buy any.
General Liability
This covers basic "trip and fall" injuries that occur in a non-business environment. These do not cover any injuries occurring at work.
Professional Liability
This is designed to protect you against a broad spectrum of claims including allegations claiming injury to clients as a results of improper supervision, failure to adequately intruct, improper use of recommendation of equipment and exposure to injury from substandard facilities, It should covef acts of omission and acts of commission.
Disability
This provides imcome protection should you become injuried abd it may ar may not be suppliesd by your employer, if not, may want to consider purchasing some uyourself as it will cover lost income even if your injury did not happn at work
Medical Insurance
This may also be provided by your employer - coverage varies, but it can cover individual medical insurance, hospitalization, major medical costs, eye care, dental care. Independent contractors are rarely covered.
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