Let’s be honest, you’ve been searching for fitness instructor liability insurance, and the results brought you here. So, tell us, are you a yoga instructor? Certified Personal trainer? Or a fitness guru? May you’ve been in the business for a long time or just starting out; either way, you need to have fitness instructor liability insurance. Never heard of it? Don’t worry, we’ve got you covered.
The first thing you need to know is that personal trainer insurance is not a specific type of insurance, it’s a mix of different policies that are suggested and tailored for fitness trainers. When you speak to an insurance agent, you will want to consider some of these different coverages. Having professional liability insurance is a must as it protects you from getting bankrupt.
Health and fitness professionals have unique insurance coverage needs. Like any business, you should have commercial liability insurance to provide you with protection for your day-to-day operations. This type of coverage responds should you be sued and found negligent for bodily injury to a third party or damage to their property. This is often called slip and fall coverage, and it responds to these types of accidents which you may be held responsible for.
If your client claims you’re negligent or some kind of error causes financial harm, a fitness instructor liability insurance can help you with lawyer’s fees, court costs, judgment, or settlements. If you are a personal trainer and you work at a gym, then you need to make sure your insurance covers every single liability you might face at work.
But this isn’t all you should be covering – as a certified fitness instructor, you also need to protect yourself from liability arising out of the professional advice and direction you provide your clients. This is called errors and omissions insurance or, at times, professional liability insurance.
If you have a property where you offer fitness training to your clients, you need commercial insurance. Commercial insurance can protect your company’s assets from explosions, storms, fire, burst pipes, theft, and vandalism.
Workers’ compensation is something you don’t want to miss out on as well. If one of your gym employees is hurt in a work-related injury or illness, this coverage can include medical bills, loss of wages, and required in most states. So, make sure to check out your state’s insurance regulations.
HINT: If you don’t want to search for all this, NPTI Florida can answer all these questions for you. Now, remember this is just the beginning of your insurance journey, and based upon your business and professional insurance needs, you may need some additional coverages
Are You Covered in The Event of An Injury or Accident?
You are a fitness instructor; your job is to help people get in better shape and physical health by following a strict workout regime. However, even the most skilled and experienced trainers cannot avoid certain accidents or injuries from taking place. Some things are just outside the realm of your control.
Because fitness involves using equipment like machines and weight and the activity involves increased effort, the risk of injury is always there. Each year, tens of thousands of fitness injuries take place in the United States, and that risk can be mitigated with a fitness instructor liability insurance.
As a fitness trainer, you need coverage that can cater to different mishaps and accidents that are unfortunately common at some point in your fitness career. Why would you want to pay a fortune for all the liabilities when you can get a safety net for everything?
Fitness-related injuries can range from simple slip to a fall injuries to an accusation with an accompanying lawsuit for malpractice.
A-Rated Fitness Instructor Insurance Instantly
NPTI Florida offers some of the most comprehensive fitness insurance in the game. These insurance options cover fitness instructors working in small gyms environments, solo careers, or as an employee of the national gym chain. Let NPTI guide you on how you can protect your future and career with the best coverage in the industry.
According to the “United States Consumer Product Safety Commission,” more than 460,000 reported injuries occur every year due to fitness activities. Almost 50,000 of these injuries are caused by low weight and equipment. A fitness instructor insurance can protect you from a lawsuit related to such injuries. As a fitness we know, you are doing everything to ensure your clients are protected and are able to achieve their fitness goals, but accidents still happen.
How Much Does a Fitness Instructor Liability Insurance Cost?
It could range from a few hundred dollars to a couple of thousand dollars, depending on your coverage needs. Here is a helpful tip: when you begin your search for personal trainer insurance, don’t forget to gather information on your business and yourself.
Why Do You Need A Fitness Instructor Liability Insurance?
Those who aren’t familiar with fitness instructor liability insurance might think that obtaining it is a luxury or an extra expense. Truth be told, it is highly recommended that you purchase professional liability because it is not a luxury but a necessity. If you are interested in this business’s longevity where you have put your time, effort, and money, liability insurance can come a long way.
Think of it as an extra layer of protection on your general business insurance which only covers bodily injury, property damage, and personal and advertising injury. A fitness instructor liability insurance covers the extension of that, including your instruction of someone. For instance, if you are instructing someone to perform an activity in a certain way and they get hurt, that is not likely to be covered under your standard liability insurance because you did not cause that damage – it was your expertise and experience that caused that bodily injury. If you recommend a training program and your client gets injured because of your recommendation, that’s not going to be covered in your standard general liability policy. Why? Because that’s a professional liability.
Guiding clients in their journey to fitness and how to perform a particular exercise is an enormous part of your job as a fitness trainer. All your clients rely on your expertise and experience before performing an activity, and there is a high possibility that some of them might get injured. You need to protect yourself from such liabilities by getting yourself a fitness instructor liability insurance. But don’t just take our word for it. Visit the NPTI Florida website and talk to a licensed insurance agent and expert to determine what insurance coverage is best for you.
Benefits of Getting a Fitness Instructor Liability Insurance
- Getting insurance will ensure you receive instant coverage on all your expenses, such as legal fees, medical bills, and other involved liabilities.
- Getting a fitness instructor liability insurance will also give you complete protection from professional and general liabilities ranging from $1 million per occurrence to all the way $3 million per year.
- There are options available in the industry that can allow you to make flexible payments making it easy for you to pay for the policy without falling under financial burden.
- As an additional benefit, you get identity protection which is $1,000 of stolen equipment coverage and fitness-related product discounts.
Get in Touch with Us
We at NPTI Florida have worked with hundreds of fitness businesses, helping them protect their assets from professional liabilities. NPTI Florida has developed a very specific, one-of-a-kind insurance program specifically for fitness studios, yoga studios, boutique fitness enterprises, even fitness centers that can fit into our program. Our fitness instructor liability insurance encompasses professional liability, general liability, and property coverage. Depending on your business’s nature and size, we can provide you with excess or umbrella coverage. If you are looking for a fitness insurance professional who can walk you through the process and you’re interested in building a strong and transparent relationship, then give us a call at 407-772-0057.