Answers (11)
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Absolutely! In my opinion, as a personal trainer and business owner you should have liability and any other insurance related to running your business BEFORE you start training. Without full coverage related to your business - no matter where you are training clients (e.g. their home, your own home, outdoors etc), you expose yourself and your personal effects at risk from a lawsuit related to your work.
There are many places where you can find information on liability and other insurance for your personal training business (e.g. IDEA's website, your certifying organization etc.). What I would recommend is that when you contact an insurance agent that you talk to them directly and explain EXACTLY what you intend to do with your practice and training so that they can best advise you on what type, and how much insurance coverage would suit you.
Good luck and I hope that this helps.
LaRue, CSCS
www.lecfitness.com
larue.cook@lecfitness.com
There are many places where you can find information on liability and other insurance for your personal training business (e.g. IDEA's website, your certifying organization etc.). What I would recommend is that when you contact an insurance agent that you talk to them directly and explain EXACTLY what you intend to do with your practice and training so that they can best advise you on what type, and how much insurance coverage would suit you.
Good luck and I hope that this helps.
LaRue, CSCS
www.lecfitness.com
larue.cook@lecfitness.com
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Definitely! All trainers should make sure their workplace is insured, even if the location varies. You just never know what might happen. It's best to be prepared and most insurance offered through your certifier is very reasonable. Consider that with out it you could be paying hundreds, thousands or more if just one thing goes wrong on your watch.
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When people ask me what to look for in a personal trainer, I always point out that they need to ask whether a trainer carries professional liability insurance. I would not recommend that a person train with a trainer who does not have it.
If you are an IDEA member, you may want to check the insurance that is available here at the web site. Mind you, it is not IDEA but they give IDEA members a good price.
If you are an IDEA member, you may want to check the insurance that is available here at the web site. Mind you, it is not IDEA but they give IDEA members a good price.
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Denise, If you are certified by ACE, they offer liability insurance through Hoffman Insurance. It's fairly reasonable, and good for one year. I definitely recommend insurance, even if nothing ever happens, for assurance. Also, it is something that potential clients look for when looking for a trainer, especially the clients who think every ache after a workout is a muscle strain. :) Best wishes!
-Rita
-Rita
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I would not train a client without it! And I always mention it to new or potential clients when they start training with me. I want them to know that I'm as serious about this business as they are.
Also, if you're training out of your home or theirs, make sure that your homeowners policy is up to date as well. I check my liability insurance against my homeowners policy to make sure that both my home office, equipment and myself are always covered no matter where I train clients.
If you're training out of another facility, see if you can get it listed or yourself listed on their facility insurance. Sometimes you can, sometimes you can't. But it doesn't hurt to ask. And don't assume that a facility will add you to their insurance. I always carry liability insurance on myself regardless of what the facility says. I need to make sure that I'm covered if anything should go wrong.
Also, if you're training out of your home or theirs, make sure that your homeowners policy is up to date as well. I check my liability insurance against my homeowners policy to make sure that both my home office, equipment and myself are always covered no matter where I train clients.
If you're training out of another facility, see if you can get it listed or yourself listed on their facility insurance. Sometimes you can, sometimes you can't. But it doesn't hurt to ask. And don't assume that a facility will add you to their insurance. I always carry liability insurance on myself regardless of what the facility says. I need to make sure that I'm covered if anything should go wrong.
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All trainers should make sure their workplace or they personally are insured, even if the location varies. You just never know what might happen. It's best to be prepared.
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Yes! Do not start training clients without being insured. You never know what might happen during your sessions with them, so you must be covered. Spend the money and get the insurance, because it will cost a lot more if something happens to any of your clients during their sessions. Insurance is inexpensive and necessary. If you train clients in a condo building gym or if you rent a space for sessions or classes, the building owner or association may also require you list them as an additional insured, so always ask about requirements in those situations. You can check the IDEA web site for more information on insurance.
Good luck!
Good luck!
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Yes. If you are training without inurance (either personal or through your employer) you are risking much.; on your side and on the side of your clientele.
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Hello Denise,
I would get insurance for any type of training. Small price to pay for a piece of mind.
Sincerely,
Michael
I would get insurance for any type of training. Small price to pay for a piece of mind.
Sincerely,
Michael
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It recently came up here that some personal training insurance doesn't cover in home studios. I am in the process of making sure my insurance covers my services anywhere. The initial statement from the insurance company was that my services are covered anywhere, but things like falls that occur outside of the training would not be covered. But that they should be covered on homeowner"s insurance. I am waiting for confirmation of this. So, it would appear that the catch is that our insurance doesn't cover anything that happens when the client is not actually training, like getting in and out of our location. That would be covered on the property insurance for your home (maybe) or the building where you have your gym, etc.
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