The Basics on Insurance and Why You Need it as a Personal Trainer

personal-trainer

Jamie Watson, Negosentro |  As a personal trainer, you are more than likely to work closely with your clients on a regular basis. Everyone knows that you provide a much-needed service, especially for those individuals who would like to get fit and healthy but who can’t do it on their own. The moral and physical support you provide is much appreciated by your clients and customers, and you are probably very much aware of this. But since you work in close contact with a good number of people, you may be prone to some risks as well. This is why you need insurance as a personal trainer. Here are the basics on personal training liability insurance, and why you need it.

The benefits to you

As a personal trainer, you may work in different environments, such as a gym, a fitness club or center, or even in your clients’ own homes. But whichever environment you work in, a lot is expected of you. You are supposed to be helping your clients get fit and physically active, and this involves a lot of contact and encouragement. You have to be able to help your clients through some strenuous and physically taxing routines, and you have to teach them how to handle certain equipment, among other tasks and responsibilities.

But what if, in the middle of a session, your client suffers an injury? What if something terrible happens, even if it’s not your own fault? What if a client believes that they have received an injury because of your negligence? Another scenario is where property becomes damaged, or property gets broken. This is where the right insurance comes in, especially liability insurance.

What you can expect

If you acquire liability insurance or other types of insurance as a personal trainer, then you are helping yourself in a lot of different ways. First, if your gym or fitness club requires you to have insurance, then you have no problem at all proving you have the necessary insurance. Most fitness centers and gyms nowadays require personal trainers to have insurance coverage, so this can help you in your career advancement as well.

Depending on the type of coverage you get, your insurance will not only help cover the cost of medical bills and expenses in case of injury, or the cost of repair or replacement in case of property or equipment damage – it may also help cover legal expenses if necessary.

You can acquire both professional liability and general liability insurance, depending on your provider. With general or public liability, a fitness center or gym’s equipment is usually covered. With professional liability, you can expect protection in case of accident or injury to clients or damage to property or equipment while you are working, which can be attributed to you.

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