Personal Trainer Insurance
Engaging in personal training without personal trainer insurance is a huge risk. Today most gyms and fitness centers will not hire personal trainers unless they can present proof of business liability insurance. This is because the physical demands of personal training put clients at risk for various injuries.
Why Personal Trainer Insurance is Important
With personal trainer insurance, a personal trainer and other individuals included in the policy stay protected in case a client gets injured during training or as a result of training. Bear in mind that injuries include those sustained even in the absence of the trainer.
For instance, a trainer develops an exercise regimen that requires the client to do 30 sit-ups every day. The client breaks his neck or suffers a stroke while performing the exercise, then decides to sue. Personal trainer insurance will take over and try to save the trainer.
Without personal trainer liability insurance, a personal trainer will have to prepare his or her defense in court. Personal injury lawsuits are known for being extremely expensive and complicated, and a loss would mean payment of thousands of dollars in damages. Personal trainers can in no way afford such a huge setback in their career.
With personal training insurance, however, trainers can rest assured that the insurance company will defend them against such lawsuits. The insurer shoulders all legal costs and pays damages depending on policy limit. A business liability insurance policy with a limit of at least $250,000 is highly recommended. The American Council on Exercise encourages its members to get business insurance coverage amounting to no less than $500,000.
Also remember that personal training liability insurance policies of most gyms do not cover independent contractors. Employees, on the other hand, are usually covered. Hence, personal trainers must take the time to check their employers’ policy details and find out if they are protected. Those who serve clients independently, at home or in various locations outside the gym, should also protect themselves with personal trainer insurance.
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