Insurance for Personal Trainers

A personal trainer works to help individuals achieve their physical goals. Maybe someone is recovering from fitness-related injuries or simply attempting to shed pounds. Your personal training enterprise is helping people transform themselves. You might not operate like a conventional business with a retail location and significant overhead—but risks exist in operating the business. That's the reason you require personal trainer insurance protection.

Personal training insurance

What is Personal Trainer Insurance?

Personal trainer coverage shields you in your daily business activities, from personal training to providing nutritional guidance. Personal training insurance protects you, your enterprise, and your clients. This protection is vital in the fitness sector due to numerous potential risks connected with exercise and physical activity.

Why Does a Personal Training Business Need Insurance Coverage?

You might not believe insurance protection is essential for your occupation. After all, you don't usually own a facility or sell merchandise. But you do encounter risks in your enterprise that insurance can shield you from. A personal trainer can suffer injury when moving workout equipment. A client can file a lawsuit if injured during the workout and believes it's the personal trainer's responsibility.

A woman who received personal training at a Planet Fitness facility was seriously hurt when launched into the air by equipment. She fractured her hip and sued Planet Fitness for $750,000—and prevailed. A client injury like this can easily threaten a small business and be financially ruinous. Fortunately, when you obtain the appropriate personal trainer insurance policy, your business can continue operating through various types of challenges.

Additionally, when you work for a gym as a certified personal trainer, most require you to secure basic liability insurance and provide proof of coverage along with personal trainer certification. Who needs fitness insurance protection?

• Personal trainers

• Fitness instructors

• Group fitness instructors

• Rehabilitative professional (sports medicine)

• Health coaches

• Yoga Teachers

Insurance Personal Trainers Need

Several personal trainer insurance policies deserve consideration to provide protection for your business.

Personal Trainer Liability Insurance

Businesses with physical locations risk clients visiting their premises and sustaining injuries. Gyms, especially, contain many hazards that clients might sue over when injured. General liability coverage, or 'slip and fall insurance,' protects against third-party bodily injury claims, third-party property damage, and advertising injury (libel, slander, copyright infringement).

This might include situations like clients slipping and falling on wet gym surfaces. It could involve trainers causing property damage in client homes, or class action lawsuits filed against you for deceptive advertising. General liability shields you in your daily operations.

General liability protection also pays defense costs and covers liability claims. Many general liability policies provide standard $1 million per occurrence coverage, but specific situations and coverage limits might vary by insurance carrier.

Professional Liability Insurance

Professional liability coverage—frequently called malpractice insurance or errors and omissions coverage—is crucial to fitness professionals because you deliver services. You teach clients proper use of heavy workout equipment and provide recommendations on specific diets to follow, foods to consume, or products to utilize. Dissatisfied clients can sue you over perceived negligence or errors.

Clients can claim you taught them incorrect weight machine usage and that your neglect caused their injury. They might also state you provided harmful nutritional advice. In both cases, professional liability protection will handle these claims. Most insurance carriers provide legal representation and cover related legal costs or settlements.

Business Owner's Policy

A Business Owner's Policy (BOP) might be an economical way to bundle protection. A typical BOP includes general liability coverage, commercial property protection, and business interruption insurance. Business interruption coverage can help you handle the financial burden of maintaining your gym operations when property damage claims prevent full operation.

Sometimes, it can be more economical than buying each individual protection separately. Some insurance carriers in the industry might include other policies unique to personal trainers.

Product Liability Insurance

Personal trainers might supply their own equipment when working with clients. Or maybe they train clients in home gyms. When defective equipment injures someone, you risk being sued. When you provide clients with products or supplements and they become sick or ill from them, they might hold you responsible. Product liability protection can help cover the cost of those claims (including legal expenses, medical bills, and settlements).

Workers' Compensation Insurance

When you own a gym with multiple personal trainers, you might be required to secure Workers' compensation coverage. Workers' comp pays medical expenses and lost income of employees injured while working. Many states legally mandate any business hiring employees to obtain worker's compensation coverage. Plus, you don't want to pay for expensive bodily injury costs.

Medical Insurance

A fitness instructor handles heavy equipment in crowded settings. Sometimes equipment is slippery or contains bacteria, and trainers can end up getting hurt or sick. The extended hours can also exhaust you, and most personal trainers want to stay healthy for their clients. When you're the sole person in your company, you'll want medical coverage to protect you when you become ill or injured.

How Much Does Personal Trainer Insurance Cost?

How much might a personal trainer policy cost you? Sometimes, insurance premiums can cost very little while providing significant protection. Your claims record, insurance requirements, and the policy deductibles and limits you select can affect costs. Here are some policy options in the industry:

• Insurance Canopy provides policies beginning at $12.50 monthly payments or $129 annually.

• The National Academy of Sports Medicine (NASM) provides professional and general liability coverage for $11 monthly.

• Insure Fitness provides protection for $179 yearly for professional and general liability, including stolen equipment protection.

• Next Insurance provides general liability at $11 monthly.

• NACAMS provides general liability, professional liability, product protection, and rental damage beginning at $169 yearly.

Other insurance carriers offer instant protection for fitness instructor coverage and flexible payment plans. Fitness coverage for personal trainers doesn't need to be complex or costly, but we suggest consulting with a licensed insurance agent to review the protection you might need and help select the best personal trainer coverage.

Get a Personal Trainer Insurance Quote Now

Harper understands your business's importance to you, how crucial proper insurance is to your business, and how important it is to provide you peace of mind. That's why we help you find all the quotes needed to decide on the best policies for your situation. Complete the form at the page top or call us at +1 (470) 410-0093 for a free quote.