In our highly litigious society, businesses are increasingly getting exposed to risks and liabilities that may arise from protracted court cases and unfavorable publicity. Even small fitness and personal training businesses are not insulated from these risks. Due to the nature of the risks associated to any type of sports training, and the important need to keep a positive reputation, more and more trainers are deciding on getting a good individual personal training liability policy as insurance protection against their liabilities.
A personal trainer insurance policy is therefore, a protection measure that will guard your business when clients suffer bodily injury or property damage and decide to sue you, or your business, for compensation. A comprehensive insurance policy will pay for legal costs as well as medical fees that are claimed by clients. Apart from this, a fitness trainer insurance policy is also important for certification purposes. When a trainer has written and passed all the required exams, there is often a requirement for getting a fitness trainer insurance policy before a final certification is given.
Similarly, as a personal trainer (who requires to pay for facilities and equipment to be used on clients), most owners will demand that a proof of liability insurance is provided without which such requests will be denied on the spot. Finally, have you heard the maxim reputation counts? – Yes, reputation counts. This is even more so in the personal trainer business. Nobody will want to deal with a fitness instructor who has been rattled with a protracted and messy court case, or has a history of unsettled claims.
As a personal trainer, the best way to protect yourself from claims that will destroy your reputation and your means of livelihood, is by getting a fitness trainer insurance policy today.