Personal trainer liability insurance can be very important to protect you from accidents that may happen while you are in the job. It covers accidents to others that caused injuries, as well as property damages. Unfortunately, accidents happen all the time in this industry. Continue reading to learn tips on selecting this insurance.
1. Determine the Type of Insurance that You Need
Personal liability insurance in a general sense protects you against injuries that may occur on the job or property damage that may occur. If someone trips over exercise equipment and breaks an arm, for example, this would be covered. If equipment caused the injury, the property damage and injury will be covered.
It is important to determine how much liability you want covered. You as the personal trainer are responsible for any damages that occur while on the job. For this reason, make sure you have coverage that will fully cover the costs of common damages at least.
2. Choose an Insurance that Travels with You if Necessary
If you provide your personal training services in multiple locations, be sure to choose a product that will go with you. Make sure your insurance does not only cover you when you are at a certain business. Injuries and damages can happen anywhere.
The gym you utilize will probably already have liability insurance for its employees. If you are not an employee, however, this will not cover you. If you train at more places than just the gym, it will also not cover you at the other locations.
3. Understand Exactly What is Covered
It is important, before signing any contract, to go over exactly what is included in your coverage. Make sure that all things you deem as necessary to be covered will be covered. Anything that is not covered means that you need to add on to the coverage or find a different coverage.
Personal trainer liability insurance can cover many areas including exercise and nutrition. Some companies offer a sample of the coverage options for you to review. Be sure to review everything before you are stuck with a commitment.
4. Determine the Duration Your Coverage Should Last
Most insurance coverages are annual policies. This means that they renew on a yearly basis. Unfortunately, this does not work for all personal trainers. It is important to consider the timeline that best works for your needs.
There are also short-term policies available. Some of these policies are extremely short-term as they only cover an hour while others can cover up to several months at a time. The options best fit what your needs are as a personal trainer with a certain client.
5. Make a List of Who Needs Proof of Insurance
If you borrow space in another gym that you are not employed for, the owner will need proof that you are insured. For this reason, you will need to share the contract or your insurance certification with the owner. Some clients also ask to see proof that you are insured.
You can choose an insurance coverage that will allow you to share the proof of insurance in easy steps. You can add additional individuals to the policy or easily share the certification electronically. The timeliness will assist you in looking more credentialed as well.
When you are a personal trainer, it is important to choose a personal liability insurance that meets all of your needs. Compare personal trainer insurance here at Insure Fitness. Choose the policy that best fits your coverage, technological and timeline needs.