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National Council on Strength & Fitness
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Why Every Certified Personal Trainer Needs Liability Insurance
Not all policies are the same, so be sure to do your homework.
 
 
 

As a certified personal trainer, you have worked hundreds of hours to hone your craft and have likely spent considerable time and money to receive the certifications that allow you to positively impact the lives of your clients. Yet, just one claim from one client can send the entire business you built crashing down.

 

Today, a number of insurance companies are offering liability policies to certified personal trainers. But simply buying a policy is not enough. Knowing what the policy covers, or more importantly, what it does not cover is of critical importance. If a client files a claim against you, and your policy does not cover it- it’s as if you had absolutely no policy at all.

 

Here is a simple checklist we recommend you use when choosing a liability policy to protect you and your business:

 

Does the policy have General Liability/ Premises Liability Coverage? - Many policies today are being issued that do not include general and premises liability. Today, many trainers work with clients at their homes or in gyms where they are not employees, but work under the status of independent contractors or the self employed. If a claim arises from in home training, whether in your home, or your client’s, you will be covered with appropriate premises liability coverage. If a claim arises from training a client in a gym and you do not possess the appropriate policy, your only hope is that the gym will have the necessary coverage, if not, you may be assuming significant risk. Not all general liability policies cover the following, so be sure you choose a policy that also provides coverage for:

 

Be sure the company you choose is an A+ rated company that will be around and will support you comprehensively in the event of a claim. The A+ company will provide you with legal defense at no cost to you. That’s a comforting fact when you’re facing the stress of a lawsuit.

 

As a certified personal trainer, you have worked hundreds of hours to hone your craft and have likely spent considerable time and money to receive the certifications that allow you to positively impact the lives of your clients. Yet, just one claim from one client can send the entire business you built crashing down.

 

This message brought to you by NCSF in association with Insure Your Club.com, an A+-rated provider of comprehensive liability policies to the certified personal training market. For more information and a no-obligation quote, please visit our website at insureyourclub.com.