As a personal trainer, a large part of your job is all about safety. You get people in shape using proper form and intensity, and they trust your professional guidance. But you can’t say your career truly makes safety a priority unless you have the right insurance for the job. Here are four scenarios in which personal trainer insurance matters.
- Training outside of a gym.
If you started out in a gym, you didn’t even have to think about insurance. That’s because the gym likely had its own comprehensive insurance policy. Others still work in these establishments, but have additional clients they meet on the side, away from the gym. These trainers also need their own insurance for the times they’re training away from their home base.
The facility you train clients at matters. Don’t get stuck owing a massive settlement because you decided to train someone around the block without thinking.
- Damage to a client’s home.
Training a client in their own home? These environments are great for dedicated, one-on-one instruction. Still, accidents happen. Let’s say you toss a medicine ball toward your client, meaning for them to catch it, but they’re not paying attention. It instead sails directly into a shelving unit with all kinds breakable little knickknacks.
Personal training insurance all begins with a general liability insurance policy. This can cover damage to your client’s property, which can save your professional reputation.
- Pushing it a little far.
Ask an ER nurse - workout injuries that are troubling enough to land you in the hospital are pretty common. When you create routines and correct your client’s form, you’re setting them up to avoid injury, but we don’t know what it’s really like to inhabit their bodies.
Was that client really fit enough to do all of those jump squats? Their torn ligament says no, and it’s a shame you couldn’t have predicted this. Now they’re stuck with medical bills, and are accusing you of forcing them into an injury when they told you they were too worn out to continue.
Plus, sometimes trainers physically touch their clients to draw attention to a certain muscle group, or provide a reminder about form. If a client takes this the wrong way, you could be in very hot water. A professional liability policy is your saving grace in these moments.
- Advice that didn’t work out.
For many, fitness and supplements go hand in hand. You might be sponsored by a brand, or maybe there are just some supplements you personally swear by. Why wouldn’t you want your clients to benefit from them, too?
You might regret making that recommendation if they end up having a terrible reaction to such products. Clients who sue you for what turned out to be bad advice are a key reason why personal trainers need to carry their own insurance.
Are you as passionate about your business as you are your fitness? If so, it’s time to make sure you have an insurance policy there to spot you. Personal trainers and their clients should be able to work together without any losses, damage, or injuries. Still, through accidents and accusations, a policy tailored to you is your safest bet.