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.
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.