How Much Does Personal Trainer Liability Insurance Cost

/ BLOG

How Much Does Personal Trainer Liability Insurance Cost

There is hardly a person in the US that has never stepped foot in a fitness club. The fitness industry has always been a big deal, but it has grown exponentially in recent years. According to statista.com[1], 54% of all respondents to the survey go to a gym at least a few times a week, demonstrating the demand for health and fitness facilities is at all-time high. This is evidenced by the constant opening of new locations of chain fitness gyms and boutique health clubs.

Investing in their health and fitness is clearly a high priority for many Americans which is why a career as a personal trainer is becoming more and more sought after.

A personal trainer career requires entrepreneurial spirit, physical fitness and the desire to help people become the best, healthiest and fittest version of themselves

As any customer service profession requires (and let’s admit it, this job is as much about customer service as it is about fitness), you work with many customers in a day. Amongst other activities, you instruct your clients on proper form during exercises and create rigid routines for them to follow.

Unfortunately, mistakes happen. And in this business, a mistake can lead to devastating consequences such as chronic conditions, injuries and sometimes even death.

A customer getting hurt is a nightmare scenario for every personal trainer. Sometimes this is due to an error made by the trainer. Sometimes, it is partially the fault of the client who failed to disclose medical circumstances that make them particularly susceptible to injury.

In any case, the result is often the same – you, the personal trainer, getting sued for causing or contributing to your client’s injuries.

Let’s briefly review some of your main exposures as a personal trainer:

–          Failure to correct form during exercise leading to injury

–          Designing an exercise routine that is too strenuous for the customer leading to injuries

–          Fitness equipment malfunctioning injuring the client

Any of these instances can cause a costly lawsuit against you, the personal trainer. So how do you protect yourself?

There is an insurance product designed just for that. It protects you from the financial consequences of a lawsuit. In the section below, we explain in detail what is a professional liability policy.

 

Professional liability personal trainer insurance

 

What is professional liability personal trainer’s insurance?

As the name implies, personal trainer professional liability insurance is designed to cover your actions and advice given out in your professional capacity.

This policy can provide legal coverage in the event of a claim. The policy will cover the cost to defend your case whether or not you are found guilty.

It is also important to note that the policy will cover you up to a specified limit, for example, $1,000,000.

Difference between general liability and professional liability insurance

Many people think that a general liability insurance policy also covers them for any kind of professional incidents. This is not the case.

A general liability insurance policy focuses on claims such as a slip and fall. it also covers any negligent act that causes bodily injury or property damage to another person that can be caused by anyone not just the professional in question.

A General Liability policy will exclude any professional activity and that exposure is picked up and covered by the errors and omissions insurance (which is another name for professional liability policy).

Why a professional liability policy through the gym might not be a good idea

If you are working for a fitness club, you might be thinking – wouldn’t the gym’s policy cover me since I work for them? There is a chance that their policy might fully cover you, but it warrants a serious discussion with your employer. Below are a few issues we often find as it relates to the gym’s master professional liability policy.

Training clients outside of the club – The master policy of the gym you work for will always exclude any activity done, not on behalf of the gym or not authorized by the gym. That means that if you pick up a client and train them in your spare time, you are not covered if that client ever brings a lawsuit against you. Since getting as many clients as you can is your primary goal, especially if you are just starting out, it’s important to be prepared. If there is any chance that you will agree to train anyone not on behalf of the gym, you will likely need your own policy.

Individual coverage – The professional insurance policy that the gym has in place will likely not provide coverage for all of the personal trainers individually. What that means, is if your customer sues you, their lawyer is likely to advise them to not only name the gym as a defendant but also name you personally as a co-defendant.

If the gym’s policy only covers the business itself, then you will be responsible for the cost of the attorney, legal fees and a share of the settlement. This can get very expensive very quickly. Double check with your employer to understand who exactly the insurance covers and if there are doubts, a separate policy might be in order.

When discussing insurance with your employer, it’s important to mention these two issues.

Adding another expense in a form of yet another insurance policy may seem daunting, yet it could save you thousands of dollars in legal fees.

If you have any questions regarding what coverages you may or may not need, we are happy to chat. Contact us here to discuss your business and its unique insurance needs.

Get Instant Quote for Your Personal Trainer Business

Claims-made policy

Professional liability policy is written on what is known in the industry as a “claims made policy”.

It’s important to understand how this type of policy works to avoid finding yourself with no coverage.

In a traditional policy like your auto or your home policy, the most important part of the claim is for it to happen while the policy is in force.

In a claims-made policy, what matters the most is when the claim was made to the insurance company. For example, if you cancel your policy and then a former customer sues for something that happened while the policy was still active – you will have no coverage. Why? Because when you report it to the company, the insurance policy was already canceled. This is why it is important to keep your policy active. Once you retire or decide you are done with your personal training business, you can purchase a special coverage to cover you in that case.

Claim Example

As you can see from below example, lawsuits can be quite costly.

Chetan Vaid v. Equinox Fitness and Joseph Dominguez

[2]Chetan Vaid, a former member of Equinox Gym, was awarded a judgment of over $10M in a personal trainer negligence case. Mr. Vaid suffered a stroke after following his trainer’s rigorous exercise routine. While performing the exercises Mr. Vaid experienced blurry vision and felt dizzy. The Personal trainer had pushed him to continue exercising at the same pace after a short water break.  Later that night, Mr. Vaid went to the emergency room after his symptoms persisted and a CT scan discovered a that he suffered a carotid artery dissection, which caused a stroke. The lawsuit alleged that Mr. Dominguez’s carelessness and pushing his client to complete the exercises despite distinctly alarming symptoms, caused the stroke.

What is not covered?

There isn’t a blanket policy that covers everything. Some situations such as illegal acts are included under any insurance policy, some exposures will be excluded under the professional liability policy but covered under a different policy. This is designed so the insured cannot double dip into coverage by collecting multiple times for the same claim.

Below are the scenarios that are not covered under a professional liability policy:

– Intentional wrongdoing

– Illegal act

– General liabilities

– Employee injuries

– Employment disputes.

– False advertising

– Property damage

Most of these exposures can be covered through other insurance policies such as Workers Compensation (employee injuries); Employment Practices Liability (employment disputes); General Liability (false advertising).

 

How much does personal trainer liability insurance cost?

The cost of the professional liability policy depends on a few factors. These factors include your age, location, experience and any advance certifications. Other factors that may affect the premium are the type of personal training that you do, policy limits and any deductibles.

A standard liability limit on the professional liability policy is $1,000,000. However, you can bump it up to $2,000,000. Higher limits of liability make sense if you have a lot of clients or provide services such as medical exercise coaching or working with special needs clients (pregnancy, special health conditions, post-stroke rehab etc). In these cases, your risk is higher.

Higher limits will mean a higher premium although it will often not make a dramatic difference.

Personal trainer liability insurance cost typically starts from $400 a month.

 

Get Instant Quote for Your Personal Trainer Business

 

Conclusion

A career as a personal trainer can be very rewarding both psychologically (who doesn’t love helping others!) and financially.

However, working with multiple customers a day on something as sensitive as their health is inherently risky.

Whether you are found guilty or not, a lawsuit forces you to put your career on hold and drains you mentally and financially. Being prepared to fight the lawsuit and defend your case is essential to protecting your livelihood.

A professional liability policy is a key strategy to help you fight nuisance lawsuits and help offset the financial fallout if you did make a mistake.

BizInsure can provide you with instant quotes as well as human support on the other side of the screen (or the phone!). Click here to complete a short online form to receive your quotes instantly.


[1] Statista. Statistics & Facts on Health & Fitness Industry [online] Available at: https://www.statista.com/topics/1141/health-and-fitness-clubs/ [Accessed 05 08. 2018r]

[2] Stromgren, E (2016). Connecticut Jury Finds Equinox, Personal Trainer Negligent in $10.875 Million Injury Case. [online] Club Industry. Available at: https://www.clubindustry.com/equinox/connecticut-jury-finds-equinox-personal-trainer-negligent-10875-million-injury-case [Accessed 05.08.2018].

Sheree Williams
Sheree Williams
19:39 27 Jul 21
Eugene was Awesome!!!!
Lakesha G
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
Lane
Lane
18:22 22 Jun 21
Jugrid Ombisi
Jugrid Ombisi
16:26 15 Jun 21
Done in less than an hour!
William Opperman
William Opperman
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
Brenda Jones
Brenda Jones
20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
Arik Solberg
Arik Solberg
16:34 10 May 21
Adj Ako
Adj Ako
16:47 05 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba Perez
Elba Perez
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper Martinez
Casper Martinez
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic Films
Poetic Films
21:00 07 Apr 21
Sandra Darjean-Murphy
Sandra Darjean-Murphy
17:48 31 Mar 21
Jusephine Ghong
Jusephine Ghong
17:58 23 Mar 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin Behm
Franklin Behm
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V Lapierre
Cassiopée V Lapierre
23:13 09 Mar 21
S & S Professional care llc Home Health Agengy
S & S Professional care llc Home Health Agengy
04:15 24 Feb 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie Woodruff
Stephanie Woodruff
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined Perez
Esined Perez
23:32 17 Feb 21
DIVINE FIJIANS HOME CARE SERVICES
DIVINE FIJIANS HOME CARE SERVICES
22:49 05 Jan 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe Wajdula
Joe Wajdula
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa Word
Lisa Word
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda hale
rhonda hale
23:26 12 Nov 20
Owner (LPN)
Owner (LPN)
23:19 06 Nov 20
Cincere Browdy
Cincere Browdy
15:16 29 Oct 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran Sutton
Fran Sutton
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
Aileen Day
Aileen Day
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
Michele Harris
Michele Harris
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina Rose
Christina Rose
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy Sloan
Nancy Sloan
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope jones
hope jones
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela Curry
Pamela Curry
16:45 24 Aug 20
Cameron Peek
Cameron Peek
19:25 24 Jul 20
Great and fast service!!!! The representative was very professional!!!!
Tanya Sweet
Tanya Sweet
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy Smith
Jimmy Smith
19:01 14 Jul 20
Great service, but they're also extremely patient. I called over a month ago for specialized E & O coverage, and Bizinsure was able to put me in touch with an extremely reasonable quote. Absolutely invaluable time and monetary savings to be had by going through these folks. If you can-- ask for Anthony. Absolute gem of a human.
James Lang
James Lang
18:19 02 Jul 20
Ken M
Ken M
23:21 28 Jun 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda Gray
Rhonda Gray
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul Rising
Paul Rising
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene Smith
Kristene Smith
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre Hall
Fre Hall
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn Torres-Gale
Dawn Torres-Gale
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
Nekeisha B.
01:30 05 May 20
Amazing
Jasmine Q
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. Atallah
Dr. Youssef C. Atallah
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
Josh Mariscal
Josh Mariscal
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Young
Allison Young
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark Wallace
Mark Wallace
23:42 13 Nov 17
Daniel Scott
Daniel Scott
15:15 27 Jun 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham Blair
Graham Blair
22:12 23 Jun 17