A Personal Trainer Insurance Policy Covers A Wide Range Of Risks
These days, as more people seek to be more physically fit, many choose to hire a personal trainer for the very reason that personal trainers existhighly personalized interaction. Due to the risks inherent in their jobs, these qualified individuals need personal trainer insurance to cover a wide range of risks that can occur while working with a client, or a group of clients in a personal training session.
A good personal trainer may be well-trained, have lots of experience, and even the education to back up his or her training. In these litigious times, however, any businessand personal training is a businesstrainers must manage the risk of damages that can result in claims being filed by their clients.
What does a personal trainer do?
A personal trainer is an individual educated and qualified to teach others who want to reach a certain level of fitness.
Personal trainers are different from instructors who show clients how to use the equipment in a gym.
A good personal trainer will help their clients redefine their workouts, analyze their eating habits, and optimize their weight loss or strength goals.
A personal trainer typically works with their clients by appointment and they may be independent contractors in a gym or they may be hired by a gym and work with clients outside their regular employmentsometimes at their clients homes.
What Protection Does a Good Personal Trainer Insurance Policy Offer?
Personal trainers who work independently are exposed to a variety of risks. Some of those risks may include being sued:
As a result of a recommending a workout that exacerbates a clients per-existing condition or injury
For encouraging a clients overexertion
For property damage that occurs on the clients premises.
Without a personal trainer insurance policy, the trainer could be held financially liable if a lawsuit arises from an injury or property damage occurs during a personal training session.
A personal trainer policy protects the individual personal trainer financially and minimizes risk in the event of an accident, injury, loss of work, property damage, and more. A good personal trainer insurance policy will have the coverage a trainer needs to protect against claims of libel, slander, and wrongful invasion of privacy, as well as:
General liability insurance with adequate per-incidence and policy limits
Sexual abuse coverage with adequate per-incidence and aggregate limits
Property coverage with adequate policy limits for property damage claims
If the personal trainer also recommends or has his or her own products, they must consider product liability insurance as well.
When choosing a personal trainer insurance plan, its important to work with a knowledgeable and experienced insurance company that understands your business. The insurance representatives should be 100% concerned about protecting you and your business assets.