Insurance for Personal Trainers

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Why do personal trainers need insurance?

As a personal or athletic trainer, your client’s wellbeing and fitness is in your hands. Whether it is preparing to look good for a big event or just to get in shape, you are there to provide direction and support to help them reach their physical goals and feel their best.

But offering such advice in fitness and health services also brings risks for potential claims. If your program and activities end up causing harm to a client, you could be held liable resulting in a hefty malpractice suit.

Did you know?

Many fitness clubs won’t permit independent contractors on site without evidence of professional liability insurance. Sometimes the personal trainers need to cover their own training equipment as well.

Insurance For Personal Trainers

Professional Liability Insurance

Professional Liability insurance (aka E&O insurance) is essential to safeguarding your business and to ensure it stays fighting fit, especially in the event of an unwanted accident occurring. When you’re in the business of giving advice, providing recommendations and creating solutions for clients you are unfortunately exposed to the risk of a potential claim for misleading information and malpractice, justified or not.

A claim can result in not only astronomical litigation expenses but can have an irreparable result upon your personal training business’ assets, profitability and professional reputation. Could your business afford to be without coverage?

Some of the things Professional Liability insurance will protect you from include the financial losses arising from a claim arising from events like:

  • A personal injury claim from a client which resulted from your negligence as a personal trainer, g. Asking the client to do too many reps and weights where the weights are too heavy causing the client to injure themselves
  • A client may be dissatisfied with the results of your advice and training plans. They may sue you for not providing enough direction in reaching their fitness goals as their personal trainer
  • Clients could sue you for touching them inappropriately during a session, even you didn’t. Professional Liability could cover the legal costs incurred to defend yourself.

*Abuse and Molestation need to be covered through endorsement

There is also a chance that it will be a requirement for you provide your own insurance if you are contracted to work within a gym or fitness studio.

General Liability Insurance

Is one of the most common and essential types of business insurances when it comes to protecting your personal training business against bodily injury or property damage lawsuits from third-parties. It is also known as Commercial General Liability and Business Liability.

No matter how careful as a personal trainer you may be, accidents can happen and accusations can fly, regardless if you are at fault or not. General Liability coverage may help protect your business against covered claims by paying defense costs and any damages up to your chosen limit.

An example when you could be held liable for a General Liability claim will be:

If a third-party were to have an accident during a training session, such as weights are left out and a different gym member trips and falls, you could liable for the costs of replacing the damaged property or even the compensation to the injured person.

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