Personal Trainer Insurance: The Ultimate Guide
Personal trainers and other fitness instructors work with a lot of people who want to change their bodies. That’s why they need a special type of coverage that will protect them from client claims of bodily injuries, professional mistakes, and property damages.
But to find the right policy, you need to gather accurate information first.
Here’s everything you need to know about personal trainer insurance and how to find the right coverage.
What is Personal Trainer Insurance?
Personal trainer insurance, also known as personal trainer liability insurance, refers to several types of policies that cover personal trainers and protect them from financial losses and other damages that happen as a result of their work.
It doesn’t matter if you train in a gym or you’re a freelance trainer, the right personal trainer insurance will help you avoid the common risks that instructors are facing.
How Does Business Insurance Protect Personal Trainers?
Personal trainer insurance is definitely worth having as it protects you from many unwanted situations that could happen to any fitness professional, including:
- Property damages and client injuries
- Professional mistakes that happened during your training
- Defective work equipment that inures a client
- Theft or damage to the equipment you own
Is Personal Trainer Insurance Required?
Personal training insurance requirements vary from state to state.
However, as a licensed personal trainer or fitness instructor, you may be required to purchase insurance to maintain your license.
Remember that these requirements are in place to protect your personal training business, which means that having this policy is definitely worth it.
How Much Does Personal Trainer Insurance Cost?
Fitness instructors and personal trainers who only need general liability insurance usually pay between $400 to $2,100 per year.
Trainers who also need to cover their property could end up paying between $150 to $700 annually.
That said, personal trainer business insurance cost depends on the number of policies and the amount of coverage you need, but also:
- Coverage limits
- Professional certifications you have
- Number of employees you have
- History of claims
Types of Personal Trainer Insurance Coverage
General Liability Insurance for Personal Trainers
General liability insurance covers legal costs that come as a result of claims of third-party property damages, bodily injuries, and personal and advertising injuries.
For example, if your client trips over your workout equipment during a training session and breaks their arm, the general liability policy would cover the medical bills that result from the accident.
Professional Liability Insurance for Personal Trainers
Also known as errors and omissions insurance, professional liability insurance protects trainers from claims of professional negligence, errors, and breach of contract.
For example, if one of your clients claims that your class was too intense and they’ve torn a muscle as a result, the professional liability policy could cover you in case of a lawsuit.
Additional Types of Coverage for Personal Trainers
You might need additional coverage depending on the specific needs of your personal training business. Here are some policies that you may need:
Business Property Insurance
If you rent a space for training sessions, your landlord may require you to have business property insurance.
Workers’ Compensation Insurance
Workers’ compensation insurance covers the medical expenses in case one of your trainers injures themselves while working.
Commercial Auto Insurance
If you are using a vehicle for business purposes, you need commercial auto insurance that will cover all the necessary repairs on your car.
Personal trainers who teach online classes might need this policy as it covers legal fees and settlement costs in case hackers release the credit card numbers of all your clients.
How Can I Get a Certificate of Insurance?
The first step to getting personal trainer insurance is to determine what type of policy you need. The best way to do it is to evaluate the risks and decide how much coverage you need. Once you have this figured out, contact an experienced insurance agent to get a quote on your insurance policy. It’s recommended to get quotes from multiple insurance companies before making the final decision.
Do You Cover Online Training?
Yes, personal trainer insurance covers online training as well. Online trainers also face many liabilities as their in-person counterparts, especially when it comes to cyber crimes such as hacking personal accounts and sharing the credit card numbers of your clients.
How Can I Add My Gym as an Additional Insured?
Additional insured is a party added to your liability policy. This entity has a business relation with the insured, and extending coverage to them is a way to protect their interest in case a covered claim or lawsuit is brought against them for injury or damage caused during your work.
To add your gym to the existing policy, it is recommended to contact your insurance company. An experienced insurance company such as East Insurance Group will provide you with all the necessary information to complete this action.
Is the Policy Good if I Teach at Multiple Gyms?
Yes, your personal trainer insurance will cover you whether you’re a freelance trainer or you teach at multiple gyms.
Are you still confused about personal trainer insurance, or do you need some help getting a quote for your business? Contact us today and get all the information you need fast and for free!
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