SPORTS/FITNESS INSTRUCTOR INSURANCE

ELEVATE YOUR CREDIBILITY AS A FITNESS TRAINER

 

Personal trainer insurance is critical if you are a credentialed personal trainer. You can be sued – even if you have done nothing wrong. Personal trainers can be sued for injuries sustained during workouts, chronic pain experienced after fitness training, or even bodily damage that occurs during training through no fault of your own. Your best solution is to protect yourself with personal trainer  insurance.

 

Many gyms and facilities will require you to provide your own insurance, but some may cover you under their own policy. Be sure to find out if they cover you while training at their facility.

What Kind of Liability Insurance is best for you?

 

The coverage that is best for you depends on the details of your business. Many World Events customers optimize their personal trainer insurance by choosing both professional liability insurance and general liability insurance policies. To assure that you get the best coverage for your business, see the examples below.

Professional Liability Insurance

 

Sometimes called errors and omissions insurance (E&O insurance), is personal trainer insurance coverage for claims against businesses that provide professional and personal services – for businesses like yours. When is it important to have professional liability insurance for personal trainers? Examples include:

  • Claims of Negligence:A personal trainer instructs an older client to perform a specific exercise that involves a lot of physical exertion. Following the exercise, the client feels dizzy and experiences chest pain and has to be rushed to the hospital. The client later claims that the trainer caused her heart attack and mental anguish. Having professional liability insurance (errors and omissions insurance) protects you if such a claim is made.

  • Loss of personal information: By mistake, you misplace a file with  sensitive client information, including financial information. It was an accident of course, and the information is compromised.  If your client sues you, we will cover claims subject to your limit of insurance.

 

Additional Tools

 

FAQ's

Request a Certificate

Risk Management

Workers Comp

Equipment Coverage

Forms & Apps

 

Personal Trainer

General Liability Insurance

 

Sometimes called commercial general liability (CGL) is personal trainer insurance that protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Having this kind of coverage is beneficial in several instances:

  • Bodily injury: While waiting to begin a personal training session, a client accidentally trips over another customer’s gym bag and blames the trainer for not keeping the area clear. General liability insurance protects you against third-party claims for bodily injury and,  the extent you are liable up to your policy limits, and related medical costs.

  • Property damage: You’re visiting a client’s home and accidentally knock over a computer monitor, breaking it. Your general liability policy will cover the subsequent claim, up to your policy's limits of liability.

 

2010 - present

2010 - present

How to Apply?

 

We offer two programs for insurance for personal trainers. Read below to determine if one policy might be better for you than the other.

Program A

 

If either of these characteristics describe what you need, apply for Program A.

  1. Standard policy offering  $1M per-occurrence with Higher Aggregate available.

  2. Optional Coverages Available: Equipment, Excess Liability, Increased Aggregate Limits, Abuse & Molestation.

  3. Starting at $115.00

Program B

 

If you would like a more detailed policy, apply for Program B.

  1. You need a higher per-occurrence limit than the $1M that Program A offers. Check your contract with the facility you are teaching at to see if they specify a per-occurrence requirement.

  2. Policy comes standard with $5M Aggregate limits

  3. Legal Liability to participants in the amount of per-occurrence limit.

  4. Professional Liability in the amount of per-occurrence limit.

  5. Abuse & Molestation included in the amount of $100K

  6. Starting at $144.00

Program C (Sports Instructor)

 

If you would like a more detailed policy, apply for Program B.

  1. You need a higher per-occurrence limit than the $1M that Program A offers. Check your contract with the facility you are teaching at to see if they specify a per-occurrence requirement.

  2. Legal Liability to participants in the amount of per-occurrence limit.

  3. Instructors, Coaches and Sports Officials - Broadened Coverage

  4. Professional Liability in the amount of per-occurrence limit.

  5. Abuse & Molestation included in the amount of $100K

  6. Starting at $194.00

Please note that a $25.00 administrative fee will be added to all policies.
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