Insurance in more than one state
I'm an ACE certified personal trainer currently living in Iowa. I'm looking to renew my liability insurance soon but I was wondering if there is a way to be covered in Iowa AND Virginia at the same time under one policy. Philadelphia Insurance Company is one I'm considering but I can't find info about the coverage area. My girlfriend is from Iowa but almost everyone I know is in Virginia so I would like to keep both options open. I also think it would be fun to do seasonal(part-year) training in Virginia if possible. Does anyone know if there is national coverage available?
I hope that this helps.
I personally do not know.
Have you been in contact with the insurance companies? They would be the ones to best help you; along with your business lawyer. Your insurance company just may have something for you if you contact them to speak with an agent.
I wish I could be of more help.
Enjoy your state hopping.
the following is from their web site on the question whether trainers need to submit a list of facilities where they train:
"No, since the policy is designed to cover the policyholder in all 50 states, it is not necessary to provide a list of locations."
I use Philadelphia Insurance and I can work in two different states. You should contact them for more information regarding their options.
So, the good news is you can feel free to spread the wellness as far as you'd like since you know you'll be covered! Best of luck to you!
I'd say poke around with health insurance companies, you may be able to set something snazzy up.