Everything You Need To Know About Personal Trainer Insurance

Pursuing a career as a personal trainer is certainly rewarding. Not only does it ensure you’re always in your best shape, but you also get to share your passion through guiding others to theirs. After all, you’ve been in the game long enough to know all of the ins and outs of fitness and how to lead a healthy, productive, and energized life. 

Despite all of its glory, sometimes bad things happen. A simple mistake can result in one of your clients becoming injured, and a careless act can damage equipment in the space you’re renting. Scenarios like these can only result in bad news for you; you can risk the possibility of being sued and held liable for the injury, and you can be charged with paying for the damage you’ve caused while operating your business.  

There’s a second scenario where not all roads end in a disaster. This scenario involves you being protected against all of these risks in advance. In other words, you can acquire a Personal Trainer Insurance to secure both your professional and personal lives. 

What’s a Personal Trainer Insurance?

A Personal Trainer Insurance comes to your aid in the most unfavorable situation. As explained by an insurance broker at Netsurance on www.netsurance.ca/insurance/business-insurance/personal-trainer-insurance/, fitness trainers in all fields rely heavily on their insurance to protect themselves against the risk of something going wrong, and Personal Trainers are at the top of the list. That comes as a result of the fact that, during their work, there are many things that could go wrong.

A client can slip on a gym floor and sprain their ankle. A healthy trainee can get injured as a result of pushing themselves beyond their limits while lifting weights or doing Crossfit. You can even find yourself paying for damaged equipment in the space you’ve rented as a result of clients misusing them. In any of these scenarios, you’d be liable for their injury, either forced to pay compensation or risk being sued. Both options can affect your financial dearly, and they’ll definitely affect your reputation.

Instead of taking this risk, a Personal Trainer Insurance will cover the expenses of the damage, compensation, or legal claim against you. 

Different Types of Insurance for Personal Trainers

1. Professional Liability Insurance

Professional liability insurance is the best thing you could have to protect you against all possible errors and mistakes. Sometimes also referred to as Errors (something you did that you shouldn’t have done) and Omissions (something you left out when you should have mentioned or done) Insurance, this protects you against claims resulting from your work as a personal trainer and instructor. For instance, an error can occur if you’ve given nutritional advice to a client who happens to be allergic to something you’ve instructed them to eat, or if a client falls ill following a training regimen you’ve prescribed. 

2. Commercial General Liability Insurance

Besides having a Professional Liability Insurance, it’s always a great idea to have a General Liability Insurance as well. This protects you against physical injury (and its resulting medical costs) and property damage. General Liability Insurance will come in handy if a client is injured on your premises while training, such as slip and fall injuries, or if their property gets damaged accidentally and somehow you were responsible for it. 

3. Personal Accident Insurance

Another kind of insurance that most personal trainers neglect to have is about protecting their own safety. For instance, what would you do if you were the one who is injured on the job? Not only will this result in a period of recovery and lost income, but it will also place a big financial strain on you when it comes to your medical expenses. 

4. Employers’ Liability Insurance

Finally, this kind of insurance is a must if you have other personal trainers working for you. Employers’ Liability Insurance will protect them and your business if anything goes wrong in the course of their work for you.

Choosing Your Insurance

With all of the options out there, it is common to feel overwhelmed in your search for the perfect insurer. To help you, there are some factors to take into consideration before making your choice. Here are some questions to ask yourself:

1. What are your risks?

No one knows your business better than you do, which means you’re the best person to assess the risks associated with your job. If there are any possible bad outcomes that come with your equipment, rented space, or instructions, you should list them all down.

2. Which kind of insurance suits you the most?

After assessing your risks, and now that you know the different kinds of insurances you can get, you’ll be able to decide which suits you the most. You’ll be able to find insurers offering you comprehensive packages to cover more than one kind of insurance, which can prove to be a much better option for you. 

3. Are there any exclusions that will affect you significantly in worst-case scenarios?

Even though it might seem daunting, make sure to check the details of the contract you’re about to sign – before signing. Some packages might exclude key activities from their insurance, such as nutrition-based advice. 

4. Can you provide any safeguards to get a better deal?

Packages vary in cost depending on many factors, but you might find an even better one if you were to provide safeguards. Those will provide the insurance company with proof of your certification, expertise, and accountability, which might assure them of your status of responsibility. 

Having chosen your path as a personal trainer, your work is full of passion and the need to help others reach their goals. The last thing you want is to be held responsible for someone getting injured during the course of your work – but sometimes bad things happen. So when they do, it’s best to be well-prepared to handle them with the least losses on your behalf. That’s why securing your career with a Personal Trainer Insurance can protect you in worst-case scenarios. Before choosing an insurer, make sure you know all of the risks associated with your work, and make sure that their packages cover all your needs.