Personal trainer insurance is general liability insurance covering third-party bodily injury, legal costs and property damage. You may need additional coverage with personal trainer insurance, but it depends on your business size and the number of employees. Most personal trainers and fitness instructors work independently and require a Certificate of Insurance (COI).
Personal trainer insurance is not a separate kind of insurance policy on its own, instead; it’s a collection of different insurance covers designed to protect personal trainers from specific risks elements they are exposed to in the course of their profession. However, general commercial liability is the primary insurance for personal trainers. Although most of them require other coverage types, the general liability insurance covers explicitly claims resulting from bodily injury, property damage, medical bills and other associated legal costs. However, most personal trainers opt for an all-inclusive bundle called Business Owner Policy (BOP), which has the main coverage they need basically. Below are the most common types of personal insurance cover.
COMMERCIAL GENERAL LIABILITY (CGL)
This has to do with third party claims arising from property damage, bodily injury, medical bills, and legal costs from incidents that occurred in your fitness premises. This is the primary coverage every personal trainer needs irrespective of your business size or location. Third party claims arising from injury is the most significant risk that much small business faces continuously. It’s essential when dealing with the general public. For instance, when a client flips over your dumbbell in your gym and sustains some injury, the medical costs will be covered by CGL. But when any equipment falls on the client purse and crushes her smartphone in the process, CGL will cover the property damage.
PROFESSIONAL LIABILITY INSURANCE
Professional liability insurance is those claims arising from any bodily injury or property damage to your client, during training sessions. This could arise from your negligence, mistakes and failure to fulfil your part of the contractual age.
PROFESSIONAL LIABILITY INSURANCE
Professional liability insurance is those claims arising from any bodily injury or property damage to your client, during training sessions. This could arise from your negligence, mistakes and failure to fulfil your part of the contractual agreement. For instance, when a client gets injured during a workout and claims that it is because of your advice, whether he is correct or not, professional liability insurance is meant to cover all the legal costs involved in defending yourself and settlement for medical bills to a client that got injured during a training session.
PRODUCT LIABILITY INSURANCE
This covers any injury that arises from the use of your equipment or product when training clients. Even if you are not the manufacturer of the equipment, you can still be sued for advising a client to use the equipment that might be faulty.
SEXUAL MISCONDUCT LIABILITY
This covers the cost of legal defence when a client files a lawsuit against you for sexual misconduct. A typical personal trainer session has an intimate nature that makes the client vulnerable to sexual harassment. This cannot be covered by your general liability insurance, especially when you have employees. For instance, if you accidentally brush your client bra strap during training and she sues you for it, your sexual misconduct liability insurance will cover the associated legal costs.