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.
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.
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!
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.