If you are a fitness instructor or personal trainer, then you already know that sports training, body building or any other physical fitness program brings the risk of injury. Stretched hamstrings, muscular tears, and sprained ankles may seem minor injuries, but when the client decides to blame you for it, you could be liable. Even when the court frees you from liability, you’ll still face lawyer’s fees and other expenses. Obviously, purchasing liability sports insurance for personal trainers is the logical choice.
However, before you jump into purchasing insurance for personal trainers, find out the specifics of the policy coverage. Some policies cover a variety of classes as long as certain conditions are met. Other policies customarily cover only the most basic needs of the trainer. Getting to know the different types of coverage helps you choose the right policy for your type of personal training.
Most policies cover whatever medical expense the client spent to heal injuries related to the training. The claim filed against the personal trainer insurance also covers the amount of income the client has lost from missing workdays while recuperating. Moreover, insurance coverage also takes care of any legal fees incurred by the client from filing a lawsuit against you.
Aside from financial assistance for medical and legal claims, the right kind of policy for personal trainer liability insurance also covers claims by the gym or any training facility for repairs to the equipment or facility area damaged by an accident during your physical training or fitness class. For example, if the gym area where you held your class had a worn portion of its ceiling fall down on one of your students, then your insurance will take care of repairs to the studio you were renting aside from the medical aid to the injured individual.
In addition, special coverage for certain policies also include protection from liability due to negligence on your part. This means you’ll have the financial aid available to you in case you’re penalized with heavy damages. Thus, it’s important you select the right kind of coverage to invest in when you buy personal trainer insurance.