In 2021, the National Safety Council (NCS) found the leading cause of sports injuries came from exercise equipment. Client injuries are also the most common type of claim insurance companies see from athletic and fitness trainers.
The risk of a client getting hurt during a training session is growing, but investing in liability insurance can help athletic trainers like you manage these risks. From costs to coverages, we answered some of the most common insurance questions athletic trainers have.
Athletic trainer liability insurance is a type of insurance plan that can cover the costs of claims involving slip-and-fall accidents, bodily injury, property damage, and more. It can also help you repair or replace damaged or stolen equipment you use to train athletes if you choose to add tools and equipment coverage.
Because athletes train at a higher intensity, they can be more susceptible to serious injuries. You also may be helping an athlete recover from a previous injury, so you have to be careful as to not injure them any further. If an athlete is injured under your direction, you can face some costly consequences.
If you receive a claim, your insurance may help you cover some or all of the additional costs that come with a claim. These can include legal fees, medical bills, lost wages, and the cost to repair or replace damaged or stolen property.
Our athletic trainer liability insurance starts with a base plan composed of general and professional liability policies. It also includes other policies, as well as additional endorsements you can add on to your plan.
Insurance Canopy’s athletic trainer insurance starts at $12.50 a month, or $129 annually. If you prefer to pay a one time price for year-round coverage, you can save 14% with the annual policy.
In short, YES! Handling accidents is part of being a fitness instructor. Having insurance is there to help you navigate through a claim and ease the financial burden.
Additionally, many locations you train at will require you to show proof of insurance and list them as an additional insured on your policy. This helps to protect yourself and the facility owners if you are named in a lawsuit.
Having insurance isn’t just a good idea—it’s an investment that helps your business grow. So, what are you waiting for? Get a free quote with Insurance Canopy today, and join the thousands of fitness instructors who are training with us.