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As a personal trainer, your goal is to help clients reach their fitness goals. Unfortunately, accidents and injuries are a high-risk factor for personal trainer businesses, and a client could blame the injury on the services and fitness instructions provided by you. Personal trainer insurance can help protect your business against claims of negligence, professional mistakes, and legal liability. We’ve evaluated the best business insurance providers based on coverage, financial stability, customer satisfaction, and overall quality.
Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.
Simply Business provides insurance policies for a range of professions and small businesses.
With a 100-year history of insuring businesses, Hiscox is well-known across America and globally. With more than 500,000 small business customers, Hiscox is fully aware and trained in the unique risks a business can face.
Thimble provides business insurance that can be tailored to your business by the year, month, day, or even the job. At Thimble, the process to getting the right business insurance is simple, scalable, and flexible.
Spott will ensure that your policy coverage is tailored to your business while complying with Amazon’s Terms and Conditions. They also track changes to Amazon’s Terms and Conditions to identify potential issues with listings before a suspension.
If someone gets hurt or injured during a training session, you could be held liable for the medical treatment needed to recover. Health and safety risks are high and a client could take legal action against you for injuries and not meeting deadlines for fitness goals.
Personal trainer insurance provides coverage for legal defense costs, third-party property damage, and the cost of medical treatment.
Professionals in the fitness industry should consider personal trainer insurance. Types of instructors can include personal trainers, yoga teachers, gym instructors, and fitness instructors.
When comparing personal trainer insurance policies, it’s a good idea to ensure that coverage includes the specific activities and classes that you will instruct.
When taking out personal trainer insurance, it’s important to consider different types of coverage and policies to adequately cover your business for legal liability and potential financial losses.
The most common types of coverage for personal trainers are:
A general liability insurance policy for your business can help cover common risk factors such as a client falling over during a training session, requiring medical treatment to recover, or damaging client property with equipment. Unexpected events can happen and become a financial burden for your business. General liability insurance can help you pay for medical expenses and legal expenses related to an accident.
Coverage for general liability insurance can help cover legal and settlement costs if a client takes legal action against you, third-party bodily injury, damage to property that doesn’t belong to you, and accusations of libel and slander.
Exclusions for general liability insurance can include employee injuries and illnesses, commercial auto accidents, commercial property that belongs to you, and professional errors and mistakes.
Often referred to as errors and omissions insurance, policies can cover professional mistakes and errors if a client accuses you of negligence or breaching a contract. A client could claim that you provided incorrect instructions during a training session which led to an injury or an athlete could take legal action against you for failing to meet their fitness goals, resulting in a loss of career opportunities.
Professional liability insurance provides coverage for negligence, breach of contract, professional mistakes, missed deadlines, legal judgments, and business errors.
Exclusions can include property damage, workplace accidents, and intentional acts of wrongdoing.
If a personal training business has employees, in many states it is a requirement to have workers’ compensation insurance in place to protect employees from lost wages and medical care in case of accidents and injuries. For instance, if one of your trainers gets injured while helping a client lift weights, time off, medical care, and compensation for lost wages may be required during recovery.
Workers’ compensation insurance coverage can protect a personal trainer business against medical expenses, lost wages, employer liability, permanent injury, and survivor benefits.
Common exclusions include pre-existing medical conditions, professional negligence and mistakes, executive officers, and owners of the business.
If a personal trainer business provides services where a commercial vehicle is required to carry out business activities, many states require you to have commercial auto insurance in place. If, for instance, personal trainers are required to meet clients for training sessions, commercial auto insurance can help pay for accidents and damage caused to other vehicles.
Coverage can include medical expenses, collision repairs, uninsured motorists, legal fees, theft, and property damage.
Many policies exclude drivers under the age of 18 years old, passenger transportation businesses, and non-business-related driving.
If your personal trainer business owns or rents a physical space to do business, you should consider commercial property insurance. Often combined with general liability insurance under a business owner’s policy, commercial property insurance can help protect damage to commercial property and business equipment.
Coverage for commercial property insurance can include damaged equipment and inventory, lost income, equipment breakdowns, repairs to the structure of your building, and operating expenses for your business if forced to temporarily shut down.
Exclusions can include repairs due to wear and tear, intentional damage to property by employees, flood damage, and earthquake damage.
Limits of personal trainer insurance depend on the type of policy you choose to take out, the location, and the size of your business. It’s important to consider limits to adequately cover yourself for risks because exceeding limits will result in out-of-pocket expenses for your business. In general, the more risk your business faces, the higher your limits will need to be.
Limits for general liability insurance can range between $1 million to $3 million per policy period depending on various risk factors of your business.
Several factors go into the calculation of personal trainer insurance, and policy premiums can vary from one personal trainer business to the next. Basic plans for general liability insurance can start from as little as $150 per year.
Here are some factors that insurers will consider when providing a quote:
When looking for the best personal trainer insurance policy, here are some key factors to consider before you make a purchase: