As a personal trainer, it is crucial that you protect yourself against property damage and bodily injury claims with liability insurance. The average cost of defending a liability claim is $35,000†, and that doesn't include the costs incurred if you're required to pay damages.
To illustrate this point, take a look at the following examples of real claim cases that personal trainers and their employers have faced.
A trainer at the fitness club told his 61-year-old client to perform "suicide runs"—an exercise that requires high-intensity sprints, similar to ladders. When the trainer's client fell and injured her wrists, she filed a suit alleging that the trainer was negligent.
Although the client eventually lost her case, it was still a costly fight in legal fees for the trainer.
In this case, a woman from Buffalo, NY, hired a personal trainer to help her recover after having an extensive surgery. Even though she had given the trainer a full disclosure of her medical history, the trainer still required her to perform a set of three exercises until she was physically exhausted.
Her injuries did not manifest until later that evening, but because of the training session she sustained several chronic injuries that her doctors claimed may last the rest of her life.
The case went to a jury trial and the trainer and fitness center were ordered to pay $1.4 million.
Family of Anne Marie Capati v. Crunch Fitness‡
In this case, Anne Capati was attending Crunch Fitness and she hired one of their personal trainers. The trainer instructed Capati that she should take some supplements and so she did.
The problem was that Capati was already taking medication prescribed by her doctor to treat other medical problems. The combination of supplements and doctor prescribed medication resulted in the death of Capati and the family sued both her trainer and Crunch Fitness.
Although it took several years for the case to conclude, eventually the family of Capati won the case and was awarded $4 million.
Protect Yourself from Costly Liability Claims
It is plain from these examples that personal trainers need to have insurance that provides protection for both them and their employer. Insurance Canopy provides excellent coverage that allows trainers to protect themselves and their business in the event of a claim. Check out our coverage limits below, or, if you're ready to buy a policy, click here.
†Hersch, Joni., and W. Kip Viscusi. 2007. Tort Liability Litigation Costs for Commercial Claims. American Law and Economics Review V9 N2(330–369) Available online at https://law.vanderbilt.edu/files/archive/271_Tort-Liability-Litigation-Costs-for-Commercial-Claims.pdf (accessed February 27, 2017).
‡Exercise Standards & Malpractice Reporter; May 2006, Vol. 20 Issue 3, p36
General & Professional Liability Limits
|General & Professional Liability||$3,000,000|
|Products & Completed Operations Aggregate||$3,000,000|
|Personal & Advertising Injury||Included|
|General & Professional Liability Each Occurrence||$2,000,000|
|Damage to Premises Rented to You||$300,000|
|Inland Marine / Business Personal Property||$2,000|
Purchase Your Policy Online
Professional policy $129 per year.
All insurance policies have conditions, limitations, and exclusions, please refer to the policy for exact coverages.