Fitness instructors and personal trainers go through extreme preparation to succeed in their field. Apart from expertise, you also need to learn new routines and come up with ways to motivate your clients – the more time you spend honing your craft, the more significant your gains.
But in addition to professional preparation, personal trainers also need to consider their health and safety, as well as the safety of their clients. In line with this, personal trainer liability insurance is indeed a necessity. Since buying liability insurance is not a simple matter, the following five questions should guide you in deciding which policy and coverage to get.
What type of insurance is required for personal trainers?
General liability insurance offers protection when accidents happen at work that results in injuries or property damage. There is no doubt that in the field of health and fitness, accidents are bound to happen. Common examples include clients slipping and falling over exercise equipment or poorly maintained equipment that may cause injuries. In most of these instances, the personal trainer may be held accountable by the client. General liability insurance should provide coverage for expenses incurred for hospitalization as well as other legal fees.
Does general liability insurance coverage anywhere you work?
The work of a personal trainer may take him from place to place. As such, general liability covers you as long as you are officially working. If you conduct sessions at the home of your clients, in a park, or in an exercise boot camp, general liability should be able to protect you. It is also good to have your own general liability insurance coverage, primarily if you work as a freelance trainer. Although some fitness clubs have insurance, the policy may be limited only to their employees.
What occurrences should be covered by your policy?
Once you have decided to get general liability coverage, the next step is to understand the inclusions thoroughly. For example, if you also provide advice on nutrition, you need to make sure that the policy covers incidents related to this aspect of your profession. If you are not sure about the inclusions, you can ask the provider for a sample so that you can go over the details.
What coverage duration do you need?
A generic policy may not be a suitable option for a personal trainer who works freelance. If your schedule varies, you may want to consider getting a short-term policy. This way, you only pay for the coverage you need when you are actively working as a personal trainer. Nowadays, there is general liability insurance you can pay for daily, weekly, and monthly.
Are you required to provide proof of insurance?
Another reason to consider getting general liability insurance for personal trainers is that some fitness centers require trainers to provide proof that they are insured. As much as possible, look for a provider that allows you to conveniently modify your policy and share evidence of insurance with your employer. Not only is it easier to gain the trust of the owner, but you do not have to bother with too much paperwork in getting the proof you need.
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