Personal trainer insurance is assurance that protects you from financial liability in the instance of client injury or accusations of sexual abuse. There are five general categories that basic indemnity covers: professional liability, products liability, medical payments, damage to premises, and sexual assault. A basic insurance plan provides payment to the accusing party when you are found guilty of damage along with court representation leading up to the verdict.
Who Needs Assurance?
All certified personal trainers should invest in assurance plans. You should not assume that the general liability insurance that a gym or club offers its employees covers you as well. Also, you, as an independent contract worker, are more than likely not considered an employee of the company and, hence, not covered by corporate policy. You might find yourself coming out of pocket if a client suffers injury while under your instruction and sues your business for lost wages and medical expenses if you failed to secure personal trainer insurance before the incident.
Are There Different Types of Personal Trainer Insurance?
Personal trainer insurance usually includes several sectors. These areas include:
- Professional liability.
- Product liability.
- General liability.
- Damage to premises.
- Sexual abuse liability.
Most insurance companies provide all of these components to personal trainer insurance in one comprehensive package. This way you do not have to take out multiple policies. It is still, however, important to understand what these sectors of personal trainer assurance covers so as to prevent unfavorable surprises in the instance of an incident.
What Does Professional Liability Insurance Cover?
Injuries that a client suffers while taking your advice are covered under this stipulation. Incorrectly conveying proper form for a yoga pose that results in a customer straining a muscle is an example of an instance where professional liability insurance is useful. Also, you can use the benefits of your policy to pay for the client’s medical bills if they hold your business responsible.
What Does Product Liability Insurance Cover?
Product liability insurance covers faulty gym equipment and other harmful products used under your watch. The best additive of this assurance component is its quality of covering the person and not the edifice. You can implement policy limits even if faulty equipment belongs to the gym or club with which you are associated.
What Does General Liability Cover?
General liability insurance covers legal costs accrued in the instance of a lawsuit. The case does not need to be directly related to training sessions for coverage under this measure. Your policy may cover legal costs if you are defending yourself a defamation suit if a client claims that he was injured while following your instruction under a general liability claim.
What Does Damage to Premises Indemnity Cover?
Damage to Premises assurance pays for repairs caused in space where you train clients. Some gyms hold independent contractors responsible for damaged equipment if they are at fault for the destruction. Such financial obligation falls on the personal trainer’s shoulders even if the club has liability insurance of its own. Damage to Premises indemnity coverage pays for repairs to destroyed equipment so that you do not have to come out of pocket for the expenses.
What Does Sexual Abuse Liability Insurance Cover?
Allegations of sexual assault are likely to occur with personal trainers because of the nature of the job. A client may take your kindness in helping them step down from the elliptical as a flirtatious move. Such is the reason why you need sexual abuse liability insurance. A policy covers legal representation to defend you against accusations of molestation, abuse, or sexual harassment.
Sexual abuse liability insurance does not cover illegal acts. Moreover, your insurance will not pay for a settlement or representation in court if you are guilty of sexual assault.
How Does One Acquire a Personal Trainer Insurance?
You need national certification as a personal trainer to qualify for an indemnity policy. Most companies require proof of such credentials before granting a policy. This way they make sure that the individual they are insuring is skilled. Otherwise, they might highly likely make a mistake because of lack of knowledge.
Many assurance companies start indemnity coverage immediately after you submit all paperwork and you also pay the premiums. Failure to present all required documents may delay the application process.
Personal trainer insurance is different from auto assurance in that it is tailor-made for every situation. An agent takes into account your business structure and determines which plans are best. You may not need as much Damage to Premises liability coverage if yoga inspires your program. At the same time, you may find yourself in need of more sexual abuse liability insurance. You need it if your program involves excessive touching to ensure your clients do their exercises correctly. A personal trainer insurance agent can help you decide based on your company’s structure and annual income.
What Doesn’t Personal Trainer Insurance Cover?
Personal trainer insurance does not finance every case of wrongdoing. Teachers who intentionally instruct their client in a way that proves dangerous will not receive restitution from the insurance company if the injured party files lawsuit.
Clumsily mishandling personal data is another instance where personal trainer insurance will not help. An indemnity company will not pay for identity theft damages suffered by a customer. This happens because you failed to secure his pertinent information. You alone have the burden of paying your client for harm incurred by your mistake.
Personal trainer insurance also does not pay for injuries caused by intent. You should not expect an indemnity company to protect you when you deliberately punched him in the face.
Personal trainer insurance is a necessity for any athletic coach. You should seek the assistance of an agent immediately if you do not have an insurance yet.