Your clients come to you with personal goals of getting fit, slimming down, or bulking up. Just as it’s your job to whip your clients into shape and help them achieve success, it’s ours to help you find the personal trainer insurance that’s right for you.
WHAT IS PERSONAL TRAINER INSURANCE?Personal trainer insurance covers you in case you are sued for bodily injury, property damage, or personal injury. In most cases, to get your personal training certification, you may need general liability coverage. You need this coverage for a variety of reasons. Let’s say, for example, you are a personal trainer who routinely makes house visits. General liability coverage would cover damages to a client’s home if you were to drop a weight on their new hardwood floor. Now, let’s say your client is the one who drops their own weight onto their new hardwood floor. In that case, your client’s homeowners policy should cover that claim.
DO I REALLY NEED PERSONAL TRAINER INSURANCE?For a successful career as a personal trainer, it is essential to have personal trainer insurance for three very simple reasons: It protects your financial assets and can help you with legal expenses if you get sued, medical expenses if you were found liable for a client’s injury, or the cost to replace something if you damaged someone’s property. People won’t hire you without it. Many gyms and clientele know to ask their personal trainer if they have insurance. Some gyms may require you to add them as an additional insured in order to conduct sessions at their gym. It keeps your business as a personal trainer running at top speed, even if you are sued.
DO I HAVE TO BELONG TO A PROFESSIONAL ORGANIZATION TO GET PERSONAL TRAINER’S INSURANCE?No you don’t. Many professional organizations require their members to pay membership fees on top of their personal trainer insurance premium. However, there’s a more affordable way to get coverage. You can find personal trainer insurance from an insurance agent or broker at a very reasonable price. To find personal trainer insurance and to review coverages, go to Canopy’s personal trainer insurance page and check out the policy coverage limits.
WHAT SHOULD I LOOK FOR IN A PERSONAL TRAINER’S INSURANCE POLICY?You will want to look for a policy that fits your budget while simultaneously providing comprehensive coverage. Online access is also important to personal trainers who are on the go. Before deciding to purchase, look at customer reviews, determine what rating the insurance carrier has from A.M. Best, and ask for recommendations. If you don’t know who to ask, you can trust Canopy’s recommendations to help you make a purchasing decision for personal trainer insurance. In addition, ask yourself the following questions before buying a personal trainer insurance policy:
- What are my risks?
- Does this insurance company adequately cover me for those risks?
- What is the deductible for each claim?
- What are the policy limits for each claim per year?
- How many claims will be paid each year if needed?
- Will they allow me to add additional insureds?
- If they do allow me to add additional insureds, how many can I add, and how much does it cost to add one?
- Can I sign up at anytime?
- Can I access my documents online 24/7?