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.
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.
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.
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!
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.