My wife trains about 12 clients per week out of our home gym. She has purchased separate liability coverage for her personal training so that is not the issue. When I recently tried to move my regular homeowner’s insurance I found that training out of the home is a big problem. Even though the regular homeowner’s policies provide no coverage for a home-based business, every company I have talked to will not insure our home because of the risk from the increased traffic from the clients and their concern that they will be sued anyway if there is an accident.
Of course one solution is to not tell the insurance company but there are problems with that approach. If you train out of your home, have you found any solutions to this problem?
I have a home-based studio in my basement and my previous insurer cancelled my homeowner’s insurance due to my home-based business. Cancellation was due to the increased risk of injury because of increased traffic (i.e. more people coming to your house) My insurance agent was able to locate an insurer to provide coverage,and you are correct ,homeowner’s insurance and professional liability insurance are two completely separate issues. The broker is Scottsdale Surplus Lines Insurance Company (1-800-423-7675) and coverage is bound by Burns & Wilcox LTD (Crown Centre, 5005 Rockside Rd. Set. 330, Independence, Oh. 44131). I live in Ohio so check with your insurance agent to see if and what coverage may be available in your state. Don’t risk your wife continuing her training without the proper insurance coverage. My agent explained that the increased cost would be comparable to the cost of insurance for a business located elsewhere (storefront location). Best of luck.
Thanks for numerous answers. Unfortunately, most did not answer the question asked. As I noted, most insurers will not cover this risk. This isn’t an issue a lawyer can help with since they cannot make an insurer provide coverage. It isn’t a question of what liability coverage or business insurance (the type that Fitness and Wellness and others write) we need or what corporate structure we need. We are aware that my wife COULD train out of another location, but that is not what we desire for her part-time clients who don’t want to go to a gym. It is a question as to whether any other trainers have located companies that ARE willing to write homeowners coverage in this situation.
I have checked with insurance brokers and so far that has not provided anything of value. The only answer I saw in all of the various questions was to contact the K&K insurance brokerage which I will do.
So if there are any personal trainers who train in the home and have been able to obtain HOMEOWNER’S INSURANCE with an insurance company who is aware that you train out of your home, I would like to hear from you!!
Hi Brian. Certainly there’s got to be some homeowners’ insurance company out there that will allow an owner to have a home-based business so long as they provide their own separate liability insurance. I can’t imagine that with all of the home-based businesses out there (e.g. dentist offices, psychiatrist, accountants etc) that this is such a novel request. I would keep searching, and be clear with the insurer that you have established your own separate liability coverage for your wife’s business.
You may also want to try contacting an insurance agent with this question.
I hope that this helps.
Your wife is not the only one who has come across this issue. Below are answers to similar questions to yours which were posted in the past:
I hope this helps.