Personal Trainer Insurance Policy Information
Personal Trainer Insurance. Sure, general liability is something every professional and business owner purchases; even personal trainers will have it. In the event a client slips and falls, is injured while working out with you, or if they are hurt using equipment in your facilities this will shield you.
From those doctor bills, medical care, and other costs which are tied to a lawsuit, personal trainer insurance will pay for those claims/costs. But, what additional policy coverage should you include with your policy and insurer you go through? These are some policy additions to consider.
Personal trainer insurance protects your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked personal training insurance questions:
- What Is Personal Trainer Insurance?
- How Much Does Personal Trainer Insurance Cost?
- Why Do Personal Trainers Need Insurance?
- What Type Of Insurance Do Personal Trainers Need?
- What Does Personal Trainer Insurance Cover & Pay For?
What Is Personal Trainer Insurance?
Personal trainer insurance is a type of liability insurance that provides coverage for personal trainers and fitness professionals. This insurance protects personal trainers against the financial consequences of lawsuits arising from claims of negligence, personal injury, or property damage.
The coverage may include expenses such as legal fees, settlements, and judgments, as well as any other damages that may result from a claim. It is important for personal trainers to have insurance to cover the potential risks of their profession, including those that may arise from providing one-on-one training sessions, leading group fitness classes, or using fitness equipment.
It's important to note that personal trainer insurance is not required by law, but many fitness facilities and gyms require personal trainers to have liability insurance coverage as a condition of doing business with them. Additionally, having personal trainer insurance can help protect your personal assets and give you peace of mind in the event of a lawsuit.
How Much Does Personal Trainer Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small personal trainer businesses ranges from $27 to $39 per month based on location, type of training offered, payroll, sales and experience.
Why Do Personal Trainers Need Insurance?
As a personal trainer, you are responsible for the physical well-being of your clients and must ensure their safety while they exercise. However, accidents can happen, and a client could suffer an injury while under your supervision. Personal trainer insurance provides financial protection in case you are sued for negligence or if a client is injured while working with you.
Additionally, personal trainers may also be required to carry insurance by the gym or fitness center they work for, and some clients may only work with trainers who have insurance coverage.
Personal trainer insurance covers legal fees, court costs, and settlements in case of a lawsuit, as well as any medical expenses incurred by a client as a result of an injury sustained while under your care. This type of insurance also protects against liability for theft or damage to equipment, or if a client sustains an injury from equipment that you provide.
In summary, personal trainers need insurance to protect themselves against financial loss and legal consequences in case of an accident, injury, or lawsuit.
What Type Of Insurance Do Personal Trainers Need?
Here are some of the major types of personal trainer insurance available:
Professional Liability - Also called errors and omissions insurance (E&O), in the event a client doesn't achieve the results, or isn't working as hard as they should, and claims you didn't do your job as a trainer, this form of coverage added to your personal trainer insurance policy will shield you from such claims and accusations. It protects you from claims of negligence.
Due to the fact that some people simply have distorted perceptions of reality, and believe they can achieve far more than is possible, this type of claim arises frequently.
As a trainer, this will basically cover your business, and protect your good name in the industry, as a licensed and certified trainer, to move forward and make a living working with clients in the future.
General Liability - Bodily injury and property damage claims are covered under this personal trainer insurance coverage. This will cover you against claims which stem from libel, slander, and wrongful invasion of privacy. As a trainer, miscellaneous coverage will protect you and pay for costs, legal fees, and other monies which stem from such claims.
Sexual Abuse - Because you will be working with clients of a different gender (most trainers), this might be another form of insurance you choose to purchase when investing in a personal trainer insurance policy. If a single client claims you harassed them, or otherwise tried to do so, this can ruin your good name as a trainer.
And, even when these claims aren't true, many people will try to say they are, simply to try and make money in certain situations. Your insurance can protect you in these instances, and against these false claims as well.
Accidental Injuries - If the gym you work at has equipment which is damaged and injures a client, you shouldn't be liable for this. Or, if a client slips, trips, or falls over equipment during a session, such claims can cost a great deal in terms of medical costs, and other fees to hire a lawyer.
With this form of coverage added to your personal trainer insurance policy, you can protect yourself from having to pay these costs out of pocket if an accident or an injury occurs while working out with a client.
Commercial Umbrella - This form of personal trainer insurance is always wise to invest in (or at least get a quote for). If your liability limit on your policy isn't high enough for the claim and doesn't pay for all medical expenses, your umbrella coverage can. Umbrella is excess liability above your base liability policies.
Basically umbrella is going to protect personal trainers, so that they will not have to pay incidental costs out of pocket, if their basic or general policies do not have a sufficient limit in place to cover all costs which are tied to a lawsuit or a claim which has been filed by a current or former client.
What Does Personal Trainer Insurance Cover & Pay For?
Here are some reasons personal trainers may be sued and how insurance can protect them.
Injury or Accidents: Personal trainers may be sued if a client sustains an injury or has an accident during a training session. For example, if a client trips and falls, or strains a muscle while performing an exercise under the guidance of a personal trainer, they may hold the trainer responsible for their injuries.
How insurance can help: General Liability Insurance can provide coverage for injuries or accidents that occur during training sessions. It can help pay for medical expenses, legal fees, and damages awarded in a lawsuit, up to the policy's limits.
Negligence or Professional Misconduct: Personal trainers may be sued if they are accused of negligence or professional misconduct, such as providing improper training instructions, failing to assess a client's fitness level properly, or prescribing exercises that are beyond a client's abilities.
How insurance can help: Professional Liability Insurance, also known as Errors and Omissions (E&O) Insurance, can provide coverage for claims related to negligence or professional misconduct. It can help pay for legal defense costs, settlements, or judgments resulting from a lawsuit.
Breach of Contract: Personal trainers may be sued for breach of contract if they fail to deliver services as promised, such as not providing agreed-upon training sessions, not following a specified training plan, or not meeting other contractual obligations.
How insurance can help: Business Liability Insurance, which includes coverage for breach of contract, can help protect personal trainers in case of such claims. It can help pay for legal defense costs, settlements, or judgments resulting from a lawsuit related to breach of contract.
Property Damage: Personal trainers may be sued for damaging a client's property during training sessions, such as accidentally dropping weights and causing damage to gym equipment or damaging a client's personal belongings.
How insurance can help: General Liability Insurance can provide coverage for property damage claims. It can help pay for the cost of repairing or replacing the damaged property, as well as legal defense costs, settlements, or judgments resulting from a lawsuit.
Employee-related Claims: Personal trainers who employ other trainers or staff may face lawsuits related to employment practices, such as wrongful termination, discrimination, or harassment claims from employees or former employees.
How insurance can help: Employment Practices Liability Insurance (EPLI) can provide coverage for employment-related claims. It can help pay for legal defense costs, settlements, or judgments resulting from a lawsuit related to employment practices.
It's important to note that insurance policies and coverage limits can vary, and it's crucial for personal trainers to carefully review their insurance policies to understand what is covered and what is not. Working with an experienced insurance professional can also help personal trainers select appropriate insurance coverage that meets their specific needs and provides adequate protection in case of lawsuits.
Commercial Insurance And Business Industry Classification
- SIC CODE: 7991 Physical Fitness Facilities
- NAICS CODE: 713940 Fitness and Recreational Sports Centers
- Suggested Workers Compensation Code(s): 9063 Health or Exercise Institute & Clerical
Description for 7991: Physical Fitness Facilitiesd
Division I: Services | Major Group 79: Amusement And Recreation Services | Industry Group 799: Miscellaneous Amusement And Recreation
7991 Physical Fitness Facilities: Establishments primarily engaged in operating reducing and other health clubs, spas, and similar facilities featuring exercise and other active physical fitness conditioning, whether or not on a membership basis. Also included in this industry are establishments providing aerobic dance and exercise classes.
Personal Trainer Insurance - The Bottom Line
As a personal trainer, you should compare several insurers, and choose one which specializes in this industry (fitness and health industry). Not only will they custom tailor personal trainer insurance policies for you, but will also offer varying policy coverage options, and limits, so that you can tailor a policy which specifically fits your needs, your budget, and the type of client you serve.
Before investing in a policy, or simply choosing the cheapest insurer, consider some of these additional policy options to add to your personal trainer insurance policy, when the time comes to protect yourself and your good name, from different claims which might arise in the normal course of business.
Additional Resources For Health & Beauty Insurance
Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.
- Barber Hair Dresser
- Beauty Salon
- Day Spa
- Diet Nutrition Services
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Weight Loss Center
The health and beauty industry is a highly regulated sector, with strict rules and guidelines in place to ensure the safety and effectiveness of the products and services being provided. In addition to meeting these regulatory requirements, businesses in this industry also face a number of other risks and potential liabilities. For example, customers may suffer adverse reactions to products, or employees may suffer injuries while providing services. In these cases, the business could be held liable for any resulting damages or losses.
Business insurance can help protect a health and beauty business from these types of risks by providing financial coverage in the event of a claim or lawsuit. For example, a commercial insurance policy may provide coverage for medical expenses or damages that result from a product liability claim. It may also cover legal fees and other costs associated with defending the business against a claim.
In addition to protecting against financial losses, insurance can also help protect the reputation of a health and beauty business. If a business is sued or faces a costly claim, it can damage the business's reputation and negatively impact its bottom line. By having insurance in place, a business can show its customers and clients that it is prepared for any potential risks and is committed to protecting their safety and well-being.
Overall, commercial insurance is an important consideration for any business, but it is especially important in the health and beauty industry due to the unique risks and liabilities that businesses in this sector face. By having the right insurance coverage in place, businesses can protect themselves, their customers, and their employees, and ensure that they are able to operate with confidence and security.
Minimum recommended small business insurance coverage: Business Personal Property, Business Income with Extra Expense, Employee Dishonesty, Valuable Papers and Records, General Liability, Professional Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.
Other commercial insurance policies to consider: Building, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivables, Bailees Customers, Fine Arts, Cyber Liability, Employment-related Practices, Environmental Impairment, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers and Stop Gap Liability.