There are three kinds of insurance a personal trainer needs
General Liability Insurance
Professional Liability Insurance
Personal Trainers offer a valuable service to their clients.
As a personal trainer or fitness instructor, 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 wellbeing. It is a personal connection that you make with each client, as they trust you to guide them with your expertise.
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.
As a personal trainer or fitness instructor, your clients depend on your expertise. You’re not just a professional — you’re a business owner, and insurance is a key component to operating a small business. Clients come to you with their goals, injuries, or other concerns, seeking your professional guidance to help them improve themselves. They are sometimes literally putting themselves into your hands. Being a professional also means you are held to a high standard, expected to reflect the years of knowledge you’ve collected and specialized training you’ve completed. You are legally required to perform your duties with a certain level of care fitting of someone with your level of expertise.
Any technique, procedure or piece of equipment used incorrectly could result in serious injury to your clients. Some exercises can also be risky. Even something as innocuous as a deep squat could lead to injuries for people with prior knee problems you might not have been aware of.
You’ve built up a good reputation and your clients trust you, but it only takes one incident to put everything in jeopardy. If one of them feels that you were negligent or failed to properly render professional services, they can sue you.
Even if you’ve taken all the right steps to make sure everything is done correctly and as safely as possible, the cost of legal fees alone could impair your ability to continue doing business. And don’t forget that the allegations don’t have to be true. Frivolous lawsuits are expensive too. To protect against this risk, make sure you have professional liability insurance in place.
Is insurance different for individual personal trainers vs. personal trainers with a premise?
The principles are the same, but some of the coverages differ slightly.
There is a higher general liability risk with a premise. If you are operating a gym, for example, and are leasing space, you are liable for all activities that happen on the premises, including any slips and falls, or claims of harassment, which will trigger a General Liability insurance policy to cover. Commercial landlords require tenants to have at minimum a general liability insurance policy to operate in their leased space. Individual personal trainers or fitness instructors will also want to get a General Liability insurance policy — but it is included with their Professional Liability insurance package from APOLLO.
If you are operating as a gym or studio you will also want to ensure that any improvements you make as a tenant are covered by the right insurance policy. That’s why tenants improvements insurance applies only to fitness premises, and not to individual personal trainers or fitness instructors.
Whether you are a fitness instructor with a premise, or you are an individual trainer, you will need Professional Liability insurance to defend against claims of professional negligence.
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