Personal Trainer Insurance
You will need the most comprehensive personal trainer insurance, to ensure that you, your class or any equipment you may use are covered for any possible accidents. This is because, as a personal trainer, you need to provide training advice and care for each member of your class, or individual session, helping them to get fit but also giving them advice on doing so in a safe manner.
Personal trainers have a duty of care to their clients and for this reason all personal trainers should consider taking out a dedicated specialist insurance policy.
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Why do you need Fitness Instructor/ Personal Trainer insurance?
- Places that you rent/hire for use will usually require that you have Public Liability insurance.
- If the surface or equipment injures a client; a member of your team or yourself.
- Your valuable sports equipment is lost or stolen.
- If a client suffers an injury resulting from your fitness advice being out-dated.
- An employee suffers an injury at work and makes a claim against you.
There are annual policies starting as low as £49.99, booking online saves you an additional 5% and there’s no excess to pay on sports liability claims.
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Over the past few years, clients have been suing their trainers because of negligence. Several lawsuits have been settled and clients were awarded with a substantial sum of money by the plaintiff. Consequently, liability insurance for personal trainers is very important.
Liability Insurance for Personal Trainers
Public liability insurance plan protects the against being personally liable for other people’s personal injuries, property damage, and commercial damage. The insurance company covers the costs involved including compensation for pain, suffering and general damage. However, compensation awarded to the successful litigant has to stem from the business itself since insurance organizations will not cover for punitive damage.
Personal Liability Insurance policy
Fitness professionals and personal trainers can be covered by their employer’s liability insurance plan. However, personal trainers who are functioning as self-sufficient contractors must have personal insurance to protect their clients and themselves from personal damage and property loss. In other cases, an instructor who is sued may be forced to fund for losses from his or her own pocket.
Professional Liability Insurance
Any client that relies on the expertise of a personal instructor for the efficiency and safety of the workout routines may sue the trainer for alleged errors, omissions, negligence, breaches in duty and verbal abuse. This kind of insurance policy covers the insured against damage or injury due to negligence by the trainer or professional.
Professional liability insurance is a supplement to general liability insurance for personal trainers, given that the general insurance policy does not guard professionals from claims pertaining to errors and omissions.
While your desire to become physically fit is very important, your safety comes first and it is plausible to opt for these insurance policies while on training. You can be a trainer or a student but you will need these insurance policies in your endeavors.
Personal Trainer Insurance - What’s Covered?
It’s a given that you need the right insurance policy to meet your needs, and at the cheapest price, too.
A great insurance plan can provide cover for almost any fitness related work:
- Personal Trainers
- Group Fitness
- Martial Arts
- Pole Dancing
- Circuit training