The Importance of Personal Trainer Insurance
By Space Coast Daily // November 19, 2019
Getting insurance has become extremely vital for every person and profession now. If you are a newly certified personal trainer and ready to take on new clients, you must first get insured.
There are a number of reasons to get personal trainer insurance, especially when you are dealing with different kinds of clients.
Whether you own a gym or practice individually, minor damages to your client or any other risk could lead to emptying your entire bank account and getting your reputation damaged.
If a client claims for any damages, verbal or physical, or blamed for improper training, it will end up being your duty to solve the case and protect yourself.
But before we get into why it is absolutely necessary to get personal trainer insurance, we shall look into the types of insurances first.
1. Public Liability
This kind of insurance covers all the physical damages made to the body or property. For instance, if your client suffers any damage during the session or if you need to pay for replacing any part of the damaged property, this kind of insurance is useful.
2. Professional Indemnity
This type is responsible for covering any claims made for your services or professional duties such as teaching wrong techniques that could damage certain body parts, negligence over giving advice and being ignorant in offering consultancy.
If your client is unhappy with your services and decides to sue you, this coverage will offer all expenses for your liability.
3. Sports Equipment Cover
Fitness training requires a lot of equipment, some of which is extremely heavy and difficult to carry. If you need to transport some of the tools to a different location according to your client’s requirements, it can result in loss or damage of one or more equipment because of you or your client’s fault.
Sports Equipment Cover insurance carries the costs of the lost or impaired tool, and if it is less than a year old, the insurance replaces it with a new one.
4. Employer’s Liability Cover
In any profession, claims are not only made by the clients but also with the employees. If you decide to hire a few employees to expand your business, you will be responsible for them when they are present within your premises.
If any injury occurs to any of your employees due to mishandling of equipment or unpredicted hazards, you will have to pay for their medical bills and a compensation fee.
If you have already applied for the Employer’s Liability Cover, you will save a lot of money without getting your business affected.
5. Loss of Earnings
As a personal trainer, your job would require tremendous physical activity and so you need to take care of your health as much as possible.
There might be times when you incur serious health issues or injuries in a specific body part. If you are working as a co-owner, your business would not be affected as much.
But if you are independent, your resting and recovering days can mean loss of potential clients and earnings. This insurance type covers your living expenses when you are unable to work, leaving the first 14 days and extending up to 52 weeks.
If you work as a personal trainer for a fitness club where you are not responsible for the management, your organization will take care of the insurance.
You should double check with them whether they have already issued it or not, and if done, what kind it is. If you are a freelancer and work independently, liability insurance is a must.
You can browse here to check some of the quotes and understand how it works. It’s important that you do get down to a bit of research to really understand the ins and outs of what you’re signing up for.
Why is Personal Trainer Insurance So Important Today?
Increased Medical Costs
Even if your client faces a small injury or an ankle sprain, you will have to pay much more for the medical bill than anticipated, only if you don’t have liability insurance.
Since most medical issues require carrying out X-rays or MRIs, followed by physiotherapy and consequent checkups, the medical bill is surely going to be lengthy.
And if we talk about major surgeries such as knee replacement and torn ligaments, you will just have to surrender if you don’t have insurance yet.
If you fail to pay the bills, you are potentially going to be sued by the client, which could put an end to your career. It is not easy to rebuild your reputation and restart from scratch in such a situation.
Covers Unnecessary Claims
There might be a few instances when your clients are crude and can try to mess with you unnecessarily. If they put false accusations of providing wrong advice and inappropriate training, there is not much you can do if you don’t have enough evidence.
At times, you could encounter some female client who could accuse you of sexual harassment as well. Paying for these claims can be very expensive, and so insurance can take care of that. You do not want to get sued over false accusations and lose everything you own.
Coverage of More Serious Problems
Apart from the basic medical injuries, not all insurance policies cover major or serious problems, which make them a bit unreliable. There are a few liability insurance types that can cover problems such as sudden disability, death, accidents, losing sight, and many more.
Other situations that are taken care of by this insurance type are dental emergencies or major surgeries. This kind of liability insurance is known as Personal Accident insurance and covers all the high scale factors.
When your clients and employees get to know that you are covered with Personal Trainer insurance and Employer’s Liability Cover, this builds trust and ensures that you are wishing for their well-being.
It shows your professional edge which allows you to build your reputation, ultimately helping the business grow. Getting Personal Trainer insurance is a simple and quick process.
You just need to browse for a plan that suits you, fill the form, and select a payment plan. And you are now all set to train.