Insurance for Personal Trainers
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Coverage Plans for All Your Needs
Essential coverages for you as a personal trainer
General Liability (GL)Instant quote »
- Coverage against claims from bodily injury, property damage and personal injury
- Coverage for products/completed operations
When you also have equipment or operate from a studio
General Liability + Property (bundle them with a BOP)Instant quote »
All Basic plan benefits and:
- Bodily injury
- Damage to third party property
- Business personal property
- Personal injury
- Lost business income
- Equipment breakdown
Get protected against employment-related issues
Business Owners Policy (BOP) + Workers Compensation*Instant quote »
All Standard plan benefits and:
- Coverage for work-related accidents and disease and subsequent:
- Ongoing medical care (such as rehab)
- Missed wages during recovery
- Ongoing medical care (such as rehab)
*plus Workers Compensation
We've Got You Covered with Coverage You Need
Personal trainers have a certain amount of coverage provided by their employers, but it will often cover their needs first before you receive any benefits in a claim by a client. When injured on faulty equipment, or they slip and fall during a workout, you could be held as responsible, whether you are self-employed or work at a gym. So, it is safe to cover all risks.
Even if a product appears safe, something can go wrong. That is why you need Product Liability insurance. It is a type of insurance that protects your business against claims of personal or property damage caused by the products you sold or supplied through your business. This personal trainer insurance is designed to help protect you so you don't have to pay for the legal or court fees.
General Liability is one of the most important personal trainer insurances for your business. This type of insurance will cover the costs of property damage, personal injury and advertising damage claims made against your business. Without General Liability, you will have to pay for the costs of these claims from your own business assets.
Mandatory in most states, Workers' Compensation is a "no-fault" fitness trainer insurance that provides medical and rehabilitation compensation for employees who become sick or injured from work. The insurance will also pay for the employee's lost wages until they are able to work again.
Without this insurance, you would have to pay to rebuild your business when it has been through casualties like fires or natural disasters. Commercial Property pays for business property that has been damaged, destroyed or stolen. It includes your building and all contents of your building like office equipment, supplies and customer property left in your care or control.
As personal trainers, you provide expert advice and offer services to improve your customer's health. When your advice causes them to suffer in any manner and you are sued, Professional Liability is your safety net. This insurance will cover your business from different unwanted outcomes that can happen from offering professional advice or services to your customers.
Health Insurance is designed to ensure that when personal trainers need medical treatment, they won't need to worry about paying for the treatment. With Health Insurance, personal trainers will get to be diagnosed and treated quickly. It covers the cost of medical and surgical expenses.
Frequently Asked Questions
What are the risks associated with being a personal trainer?
There are various reasons why personal trainers must be certified to work legally in their field. For example, without proper knowledge of human anatomy, a personal trainer may give advice to clients which results in bodily injury. In this case, a client may seek out compensation to cover any costs associated with medical or surgical treatment. This is why it is important for personal trainers to invest in insurance to ensure that they have adequate coverage if anything goes wrong.
It is incredibly important for personal trainers to demonstrate to clients that they are equipped with the proper training to ensure that clients are safe. Without adequate training and knowledge, personal trainers can prescribe programs for clients that have not taken into account the variety of unique characteristics individual to a single person. If a person has a pre-existing medical condition, this is something that the personal trainer will want to know. With this information in hand, a personal trainer can provide safe services to clients.
Even if a personal trainer is certified, is equipped with training and knowledge and is well-versed in the unique characteristics of an individual, situations may still arise in which one needs insurance. Sometimes, even with significant foresight, a personal trainer may prescribe a personalized program which results in bodily injury. In such an event, professional liability insurance protects personal trainers by providing coverage for any advice given to clients which results in bodily injury.
When working with clients to achieve their personal health and fitness goals, there is the potential that they may not be pleased with their results. Everybody functions differently and as a result, some may get the results they are looking for quicker than others. If an individual is displeased with the services one has provided, they may file a malpractice claim. If a malpractice claim is submitted, there may be significant financial consequences, such as hiring a defense attorney. An investment into malpractice insurance would be beneficial under these circumstances.
In addition to the financial consequences associated with a client submitting a malpractice claim, one may suffer damages to their reputation. As a personal trainer, it is important to build up a strong reputation so that clients hear of your success through other clients that have used your services. If someone hears that you have not provided adequate services, they may think twice about hiring you. In this scenario, malpractice insurance would also be beneficial.
How can one mitigate risk as a personal trainer?
Working closely with others to achieve their health and fitness goals can be a very intimate experience. In many instances, personal trainers will find their careers rewarding as they positively impact the lives of others. However, this may not always be the case, as some may struggle to reach their goals or blame the personal trainer for not seeing the results they want quickly enough. Personal training in a high-stress environment can impact one’s mental health. Therefore, investing in insurance that protects not only a client from bodily injury or your own personal finances and reputation, but also your own mental health and wellbeing is important.
There are many different circumstances in which investing in insurance is beneficial for personal trainers given the risks described above. Protecting yourself and your clients is an important decision for any personal trainer to make.
Can a personal trainer be covered by insurance?
Yes. There are insurances made specifically for personal trainers. The insurance will protect you, as a personal trainer in the event that your client suffers injury while training.
How can I add my gym as an additional insured?
Your liability insurance policy usually offers you to add your gym to additional insured. In fact, you can add as many gyms as you like in your insurance policy, but this still depends on your insurance carrier. To add your gym, simply fill in the details of the gym you want to add, like the name and the address and the additional insured documents will be delivered to you as a confirmation. Make sure to have this copied and sent to the gym you added.
Do I need to get a personal training certificate to get insurance?
Yes. You need to be certified as a personal trainer or have at least a four-year degree in a health and fitness related field to get a personal trainer insurance.
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