Types of Insurance Policies Every Personal Trainer Needs to Have

posted by Chris Valentine

The life of a personal trainer can be a difficult one most of the time; with the long hours, hectic training sessions, and the minimal or no breaks you get each week. So, it’s a good idea to be insured when it comes to injuries or other liabilities in this line of work. To pick out an insurance plan that works for you, research the different options and see which one suits you best.   

Easily Obtained Online

When you’re having trouble finding the right insurance plan that can benefit you, having a decent online platform that can simplify the process for you can be extremely handy. The insurance providers at Netsurance have different insurance packages that can cover most things for personal trainers; you can rest easy knowing that you are covered in health, life, liability, and many more insurances. Filling out an application online at your selected platform is just easy. You just need to provide some information regarding your fitness program, then you can get a quote easily and fast. This way you can focus on training people without worrying about liability.

General Liability Insurance

This is one of the most common types of insurance that every personal trainer should have; it is sometimes known as personal trainer liability insurance. This type covers third-party claims for property damage, advertising injury, reputational harm, and bodily injury. It’s very important to have this one because the third-party claims that it covers have the greatest risks for most independent trainers for gym owners. So, if anyone gets injured from tripping over gym equipment, a mirror gets shattered or you get sued for playing the music that you don’t pay royalties for, then you can be covered accordingly with this type of insurance.

Professional Liability Insurance

It’s also known as errors and omissions insurance; it states that you’d get payments for your legal defense if a client sues you for being the cause of their injuries or accusing you of professional negligence. It could happen when there’s an error in your training plan, making clients lift more weights than they should, too early, selling different packages and lessons, but failing to teach them, which constitutes a failure to deliver and someone might sue you for that. And finally, omissions that mean you offered weight loss advice and tips, but without mentioning one or two key components. Whichever reason it may be, you are covered for every one of them. 

Commercial Property Insurance

This one covers all of the business-owned assets, so if a gym, you work at has equipment, inventory, or furniture that gets damaged then you’re covered. Also, it covers disasters and extreme weather conditions like hail storms, fire, windstorms, theft, and vandalism. You would get somewhat close to full reimbursement if anything was stolen or damaged during these events. This plan will be responsible for repairing or replacing your damaged items, allowing you to continue your work and train people normally. 

Business Owner Policy Insurance

This type is only for personal trainers who own the actual gym or fitness center; it’s a mix between commercial property and general liability insurance in one affordable package. Even if you rent out the place, you can still get property policies to cover the building, equipment, and weight machines. So, it would be a nice deal to get instead of having two plans and paying for both. Remember to check with the provider to find the perfect price for this plan, you need something that’s affordable, but still covers the basics that you need.

Sexual Misconduct Liability Insurance

This can be a smart investment for you as a personal trainer because it’s in the nature of the job to get close and physical with your clients, even though you are strictly professional, some people might take it the wrong way or give false accusations against you. The policy covers standalone abuse, molestation, and sexual assault. It’s best to keep your bases covered, protecting yourself from any allegations of sexual misconduct. When the court order, the ruling is in your favor, any legal fees, you paid will be reimbursed in full, but you need the proper paperwork to handle this type of plan because each policy is different. 

Having the proper insurance can be a huge contributing factor to the success of all personal trainers in the fitness world. The industry needs assurances against different things that could cause huge problems and risks if not planned for properly. So be sure to look over the useful insurances that you can get as a personal trainer; it would be worth every penny spent on them if it means your safety and overall protection.

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