Hi everyone. More newbie questions: What company do folks here use for obtaining liability insurance for CPT work? I know that there’s an affiliate company here on Ideafit, and I believe that NASM (where I got my cert) likewise has a company they use. Are they all pretty comparable? Also, regarding the liability waiver form: I see that Ideafit offers one, but I didn’t find one on NASM. Are these all pretty much boilerplate, or is there specific verbiage I should be looking for (or inserting)? FWIW, I’m not planning on working with a commercial gym but hope to do individual and small-group training at clients’ homes. I also may be offering some senior balance/strength classes at a local assisted-living facility.
I have been using the one that Jason mentioned for years. They are competitively priced. Since I never used them, I really don’t know how responsive they are.
The liability waiver I use is one that I copied from a local gym years ago and modified to my needs.
I spoke with an attorney in my area to come up with a liabilit/risk release form. He did the work in exchange for training. The form is pretty thorough and at first I worried no one would sign it. But it is just like the “accept” forms when downloading things on my phone, no one has refused to sign. The only difference is that I go over the entire form with each client. Not only do they read it with me, they verify that they understand it. That was part of the advice the attorney gave me. And we both sign it or their instructor signs it with them.
Though I tend to do all of the risk/liability forms personally with new clients. I want to know who is coming to the studio and for them to know me. This has come into play a few times when trainers have chosen to leave and clients were on the fence about staying with the studio. My speaking to them and always asking if they are happy with their program tends to form a bond with the studio and not just the trainer. And many times I have been given the chance to keep a small complaint from becoming a big deal.