KNOW HOW TO PROTECT YOUR FITNESS CAREER WITH PROFESSIONAL LIABILITY INSURANCE!
NFPT partners with CPH and Associates for discounts on professional liability policies for NFPT Certified Trainers. CPH has over 25 years of experience in the insurance industry and is an A++ 'Superior' rated leader for Financial Strength and Customer Care. Be assured that you will receive the best available because NFPT has done extensive research on insurance companies who offer the best rates, the best coverage and the best customer service. CPH operates with a small-office approach that will give you the personalized attention you deserve.
Professional liability insurance is the sole focus of what CPH does. This makes them a specialty provider that can focus on your healthcare liability needs and common claim scenarios, to help you avoid risk in your practice. The most common claims in the field of personal training are those involving bodily injury claims arising out of delivering, or failing to deliver, a safe and effective service.
Other common claims are those involving libel, slander, or wrongful invasion of privacy. The representatives of CPH and Associates will guide you through the details based on your individual needs. And if you want a quick instant quote, they can do that too!
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:
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.