Professional liability insurance is the sole focus of what CPH does. They help you to avoid risk in your practice. The most common claims in the field of personal training are those involving bodily injury, but other claims may involve libel, slander, or wrongful invasion of privacy. The agents at CPH will guide you through potential risks based on your individual needs.
When first thinking about becoming a personal trainer, the potential legal matters could be the farthest from your mind. Starting a new business, or exploring a new career, is exciting but can be nerve-racking too. The last thing you want to think about is all the potential risk. You should hope for the best, but be wise to plan for the worst. Liability insurance is one of the biggest pieces of the “cover your rear” plan. Don’t dismiss the value in it, even when it seems like it can wait until tomorrow – you never know what tomorrow will bring.
WHAT DOES PROFESSIONAL LIABILITY COVER?
Because personal trainers work in a variety of settings, it is important to first determine both where and how services are rendered. Personal fitness training can occur at a private residence, a health maintenance facility or even remotely by means of video tutorials. For example, if you train outside or travel to a client’s home, you exert no control over the environment and might not need as much liability insurance as someone who trains in his or her own gym. In either case, if clients use your equipment, you could still be held responsible for losses due to ordinary negligence related to that equipment.
In a nutshell, your basic insurance coverage will fall into 5 general categories:
- Professional/Premises Liability
- Sexual Abuse Liability
- Products Liability
- Medical Payments
- Damage to Premises
Disclosure: NFPT receives an incremental finder’s fee ($5) for each NFPT trainer policy; this helps to support NFPT organizational missions
AREN’T I ALREADY COVERED BY MY GYM?
Some health club employees are included in their employers’ general insurance policies, which cover accidents involving maintenance crews, salespeople and personal fitness trainers who are employees of the club. If you work as an independent contractor, however, you may not be covered. That’s why it is important to determine if this applies at the facility where you work.
Do not presume that you are protected by a general insurance policy in the same way as an actual employee of the club. If you pay rent to a gym where you train, you also likely need personal training liability insurance. So, even if you work under someone else’s roof, it is worthwhile to look into carrying your own personal trainer liability insurance. The good news is that no matter where you train, there are policies available that address the situation.
HOW MUCH WILL A POLICY COST?
For about $10 a month, it only makes sense to have coverage to protect yourself and your business, in the event of a claim or lawsuit. You never know when you’re going to need to use your Professional Liability Insurance, so why not apply today?
In today’s litigious society, NO ONE IS IMMUNE FROM A LAWSUIT. Certified personal trainers, like other professionals, can be subject to claims of professional negligence. Fortunately, insurance is available that protects the owner of the policy from negligence in his or her duties; negligence that results in some form of loss to the client. You may think “I’m not negligent!” But your perception of your own actions, or actual effect of your actions, will not always be the perception to others. It is good strategy to protect yourself from yourself, but of course to also protect yourself from the unknown.
Disclosure: NFPT receives an incremental finder’s fee ($5) for each NFPT trainer policy; this helps support NFPT organizational missions.