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- PERSONAL INSURANCE
- I’M A BROKER
There are three kinds of insurance an personal trainer needs
General Liability Insurance
Professional Liability Insurance
Regardless of their certifications, personal trainers remain vulnerable to risks.
As a personal trainer, you are a professional in the health and fitness industry. You work hard to promote a healthy lifestyle and work closely with individual clients to improve their well-being. The personal connection you make with each client allows them to trust that you’ll guide them with your expertise. However, over time, if a client ever felt unsatisfied with their results, they may feel obligated to sue. Without insurance, the financial consequences could be detrimental to your career.
There are inherent and sometimes uncontrollable risks associated with the fitness industry. A gym is an area that is especially susceptible to threats that could easily jeopardize someone’s well-being. As a result, you must take necessary precautions to protect yourself and your clients from potential threats. Any technique, procedure or piece of equipment used incorrectly could result in serious injury to your clients. In this situation, possessing a strong insurance policy would save you from having to pay for any legal or medical fees that may arise from an injury.
Whether you work out of your own studio or gym, go to your clients’ homes, or use video conferencing, there are different types of insurance coverage you will need to protect yourself and your clients. By obtaining a solid insurance plan, you automatically set yourself up with lasting financial security. So, act now and ensure you won’t have to face monetary consequences later.
Why do personal trainers need insurance?
To work as a personal trainer in an established gym or studio, they typically require trainers to possess a form of professional liability insurance before allowing them to see clients. Though mandatory, it’s still crucial that they obtain a solid insurance policy that would permit them to work and provide their workplace with adequate protection if a client ever were to claim their services were unsatisfactory, negligent, or falsified in any way.
If a personal trainer were to own or rent their fitness studio, then legally, they would be required to possess both professional liability insurance and general liability insurance. Though this obligation depends on their residence, it is typically needed almost everywhere to be permitted to work legally. Additionally, the trainer may also purchase these forms of insurance to ensure they will not be financially liable if they or an employee were to cause a mistake or accident to occur.
A part of a personal trainer’s job is providing their clients with professional advice regarding nutrition, exercise, and treatments to reach their fitness goals. However, if a client felt their recommendations were inaccurate, harmful, or costly to them in any way, then the personal trainer will be vulnerable to a lawsuit. In this case, possessing a form of professional liability insurance would protect them from the legal fees needed to defend themselves against these claims, regardless of their accuracy.
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What types of risks do I face as a personal trainer?
As a personal trainer, you’ve taken the time to build a good reputation, and your clients trust you, but it only takes one incident to jeopardize everything. If a client ever felt that you were negligent or failed to render professional services properly, they may feel obligated to seek legal action. Unfortunately, without coverage, a lawsuit of this nature can be costly to defend.
While working in a fitness studio, there are several hazards to be aware of. From working with heavyweights to using specialized equipment, you put yourself at risk every day providing your service. Though you may be cautious, there is still no way to prevent accidents from happening. Regardless of who’s at fault in a situation, you will be held liable if anything were to happen at your business location, and without insurance, you will have to pay out of pocket.
Though unlikely, there is still a chance that an unexpected event like theft or a fire can occur at your business location. The extreme damages and losses that can occur because of these incidents are costly, and if not paid promptly, you could potentially risk losing your business entirely. To prevent this from happening to you, seek out the support of a trusted insurance company, like APOLLO, that is willing to offer you safe, reliable, and affordable coverage.