Personal Trainer Insurance: Why You Need to Be Covered!

Shoe and banana peel

Getting in the field of personal training is easy, but building a name in the industry is definitely a challenge. Unlike regular employees who handle office works and the likes, your job as a personal trainer is very physically demanding, and often times, you will find yourself gasping for air and longing for a 30-minute break.

But aside from the challenges that come along becoming a physical trainer, one of the most important aspects that you should prioritize is your need for safety and security. Since your job involves physical training, your chance of getting injured heightens. Plus, if you don’t go to work, then you won’t get paid, especially if you are self-employed. Nonetheless, there is still one thing you can do to make sure you and your finances won’t suffer if anything unexpected happens, and that’s getting a personal trainer insurance.

Personal Trainer Disability Insurance

A disability insurance is among the best types of insurance you can get since it guarantees you that you won’t be penniless in the event that you cannot go to work because of physical injuries.

A disability insurance can provide you financial assistance for an extended period of time. While some employers pay for this insurance, others don’t, so you should ask your employer.

On the other hand, if you are self-employed, applying for this insurance is definitely a must. No matter how physically fit and healthy you are, your chances of getting injured is always just around the corner, so it is best that you prepare for these extenuating circumstances as early as now. After all, it’s always better to be safe than sorry.

Personal Trainer Liability Insurance

Okay, here’s the deal. Being a personal trainer is a challenging role because not only are you in charge of your client’s welfare, but you can also be liable for any injury that your client may acquire under your training. No matter how perfect your program is or how understanding your clients are, the worst things can always happen, and you need to make sure that you are ready for anything that comes along your way.

As a response to this, you need to check on your employers about your personal trainers’ liability insurance. This way, you always have something to back you up in case your clients turn against you. Since the number of lawsuits against personal trainers has been escalating for the past few years, you should never take a chance. You have to be vigilant in knowing the coverage of your liability insurance. Basically, there are two types of personal trainer insurance, and each responds to a specific need.

  1. General Liability Insurance: A general liability insurance protects you from any injury that your client may attain from a 3rd party. For example, if your client suddenly trips over a pair of shoes and it happened in your training room, you can be sued. Even though it was not your fault at all, your client still has the right to file a case against you unless the incident happened within the vicinity of your client. This is the most basic type of insurance for personal trainers, and even though it can get you out of trouble, you may need extra coverage.
  2. Malpractice Insurance/Professional Liability: Unlike a general liability insurance, a malpractice insurance can cover you even if the injury was sustained because of your daily routine or your fitness plan. For example, if you asked your client to complete 50 push-ups and this resulted to an injury, you can still expect your malpractice insurance to help you get away with it. This type of insurance may be a bit pricier, but it is absolutely a necessity especially if you are running your own fitness club or you have other personal trainers who are working under you. Remember, you and your clients can never be too safe, so you have to invest in an insurance that can cover all of your needs.
Splayed ankles

As a personal trainer you need to be covered by insurance for different kinds of situations and injuries

What do I Need to Know about Personal Trainer Insurance?

If you would like to apply for a liability insurance, you need to get certified as a personal trainer first. The bill usually starts at the same day that you purchased the insurance, and it usually covers the following:

  • Client’s hospital bill
  • Client’s medical bill
  • Lawyer’s fee

Having a lawsuit can be a financial burden except if you have a personal trainer insurance that can cover all costs. Normally, companies will explain the different types of insurance you can avail, and they will advise you on the best insurance that can fit your needs depending on your company and your income. If a lawsuit is filed against you, you can expect your insurance to back you up by providing you a defense team. At times, they can also provide you with a lawyer. Please consult a professional before opting for a personal trainer insurance plan!