Fitness Instructors Need Insurance, Too – Here’s Why

You do your best, and you have the best intentions for your clients – that’s what being a personal trainer is all about. As a matter of fact, you may even get so involved with your clients that you yourself feel the effects of the progress (or lack thereof) your client makes. It’s a special thing when you are a fitness instructor.

As a fitness instructor, you need to ensure your safety in three aspects: your own health and safety, your client’s health and safety (or at least protection from any legal liability), and any damage that might be caused due to your activities and possible accidents. Fitness instructors need insurance such as fitness instructor insurance by Next Insurance, too – here’s why:

Who needs it?

If you’re a personal trainer who works independently, the answer is very simple and short: you need it. If you work as a personal trainer hired by a gym, you might already be covered by the contract and the insurance your employer provides for you – although it would still be wise to check the fine print and see if you are truly covered for all kinds of risks. Below are just some of the things you should be covered for.

Types of insurance you can get

There are several types of insurance, and we can’t list them all. However, here are just some of the most common ones:

• General liability insurance. This kind of coverage will help you with any legal defense or settlement in case a client decides to litigate due to a sustained injury or other accusation, but in which you have no direct involvement (for example, slip and trip).

• Professional liability insurance. This kind of coverage will help you with any legal defense or settlement in case a client decides to litigate due to a sustained injury or other accusation, but in which you do have direct involvement (for example, an injury sustained while the client was performing exercises under your instructions).

• Products-completed liability insurance. This is all about coverage against accidents that are caused by faulty equipment.

• Damage. Broke a mirror? Damaged the floor?

• Sexual allegations. It happens more often than you think. All it takes is a wrong look or misinterpreted physical contact.

If you work in a gym as a professional employee, your employer may already have all these things covered – although it’s still wise to look at your contract carefully, and read the fine print on what your employer actually offers you. If you train clients on your own, however, you should definitely look at what’s available for you and get yourself covered. Being a personal trainer carries with it some inherent risks, and you are very likely to run into some problems sooner or later. It’s good to be protected – it’s good to be smart.

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