You obtained your certification, started building a client list…now you have to think about fitness instructor insurance? What could happen without it? Being a highly trained, certified fitness instructor you know how to educate and instruct clients on ways to avoid injury and maximize their workout. Plus, because you know how to properly use gym equipment and accessories (such as free weights) you should be able to master a class of 20 or more participants without having to worry about someone getting hurt. Right? Unfortunately, you know what has been said about the best-laid plans. While you can take great pains to apply your training and education to help clients avoid injury, there is no way to completely prevent accidents. Fitness instructor liability insurance coverage can give you peace of mind knowing that should someone allege negligence on your part and file a claim against you that you will be protected from damages assessed as we ll as be covered for legal expenses incurred to defend yourself.
In contrast, the fitness instructor who does not carry general liability insurance could be in severe financial trouble.One claim could put you out of business for good. What Does Fitness Instructor Liability Insurance Cover? Fitness instructor liability coverage consists of general liability coverage, which protects you from numerous hazards. Regardless of whether the gym in which you operate out of carries liability insurance or not, it’s imperative that all fitness instructors carry liability insurance. General liability insurance for fitness instructors covers: • Client bodily injury while under your instruction • Property damage, resulting from your fitness classes or activities • Professional liability such as making misleading statements or breach of duty • Personal or advertising liability • Numerous courses including fitness bootcamp, children’s fitness programs, spinning, aquatic exercise, aerobics, Tai Chi, yoga, spinning, strength classes, ZUMBA®, and more In a tough economy, you can’t take chances when it comes to business.
For the health and wellbeing of your career and clients, every instructor should pursue fitness insurance liability coverage. It can help you stay in the game and continue to help people live healthy lives. Resources: Sports and Fitness Insurance Corporation has a team of specialists for the health and fitness industry. The company is a preferred general liability provider for renowned and respected fitness organizations such as Curves®, and ICOA, Independent Club Operators’ Association. For more information, call 800-844-0536 or visit our website.Sports and Fitness Insurance Corporation specializes in providing insurance for personal trainer insurance coverage and health club insurance. To learn more about personal trainer insurance coverage call Sports and Fitness Corporation today at 800-844-0536.
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