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?
Any insurance related questions are generally best handled by an insurance professional. They will be able to tell you what is covered and give you a quote. As others have said, a lot of policies don’t specify a particular location and are valid in all 50 States. So, this isn’t an unusual request you are making.
Hi Andrew. Since personal trainers are NOT individually licensed State-by-State (at least not yet), your liability insurance coverage should go with you no matter which State you are training in. I would highly recommend simply speaking with a representative from whatever insurer you decide on – tell them what your needs are, and take notes of what they tell you. If you decide to insure with them, follow-up your telephone conversation with them with a writing (email) summarizing your understanding of what they’ve said so that you have something for your records.
I hope that this helps.
LaRue, CSCS
www.lecfitness.com
