1-877-900-9998 Call

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 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.

BizInsure LLC
4.2
Based on 35 reviews
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
Owner
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

Popular Searches