What All Pt's Must Know About Personal Trainers Insurance

Personal trainer insurance is often not discussed while you are receiving an education and certification to become a trainer. You have to understand the importance of your certification since you are an expert. Two personal trainer insurances that need further viewing are the general liability and professional liability. General liability is the basic of the two covering the area in which you work such as a gym and its equipment. Professional liability pertains to the expert methods you use with your clients to help them achieve their fitness goals.

Types of Personal Trainer Insurance

There are usually two different kinds of insurance to purchase. The first would be the general liability insurance, which is the most commonly used insurance plan by trainers within the gym environment. General liability covers anything that would be considered static risk and is often referred to as public liability.

This applies when working for a large gym, which you should usually have insurance already from the employer unless you are independently hired. However, if you are training within your home or studio you will need general liability insurance as well. Mainly because can control this environment; thus you are held liable for the safe use of equipment and settings.

Trainers that work in the outdoor setting don’t need as high of general liability coverage since they cannot control the environment, but you still need some type of insurance, and professional liability is also a must have!

This insurance is different since it applies to the professional aspect of your field of work i.e. what your certification is for. Professional liability is rather similar to those insurances used for malpractice, which means an accident occurred due to negligence of the professional. Accidents occur and can usually be prevented, but they do happen, and that ends up being a lawsuit against you that usually is never in favor of the professional.

People rely on your expert knowledge to get the in shape, and if something goes wrong the insurance from both general and professional insurers has you covered. They are acquired separately and can be found offered from schools, private businesses, and your work as well. Again, if you are employed find out what coverage you have, and if you are an independent trainer get both insurances now if you have not already.

Two Third-Party PT Insurance Companies are:

http://www.ideafit.com/fitness-insurance/personal-trainer-insurance
http://www.sportsfitness.com/Fitness-Trainer-Insurance.htm

If you didn’t know, the certifying school you received your certification through will most likely have the option to purchase insurance or give you a discount.

Personal trainer insurance can be found for cheap prices and generally last for one to two years before having to renew your insurance. Some even offer four year insurance plans at discount rates! One easy way to remember renewing your insurance is by having it last until you renew your certification, which then you will know everything is ready to be renewed, or you have to get organized and remember the dates.

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