Personal Trainer Insurance
Protect Your Business With Personal Trainer Insurance
From errors made in creating a customized fitness plan for a client to an injury to one of your employees, personal trainers have to be prepared for the potential financial impact from a wide range of risks. At biBERK, we provide personal trainer insurance at savings of up to 20%. Just complete a simple form online or speak with our licensed insurance experts to get a fast, free quote. Plus, you can purchase policies, manage them, and report claims online for ultimate convenience.
What is Liability Insurance for Personal Trainers?
As a fitness business owner, you face many risks. For example, you have a responsibility to meet certain standards and adhere to best practices for your industry. If a client feels that you provided bad advice or instruction, they could claim that you didn’t meet those standards and sue you. Professional liability insurance for personal trainers (also called errors and omission, or E&O insurance) protects you in the event that a client accuses your business of making a mistake (an error) or failing to do something (an omission)—even if that claim proves to be baseless.
What is Workers' Compensation Insurance for Personal Trainers?
If you employ other personal trainers, you need protection for them in case they’re injured or become ill on the job. Workers’ compensation insurance (sometimes called workman’s comp) serves that purpose and is mandatory for most employers. And then there are other risks, like the possibility of damaging a client’s property when you’re helping them work out in their home or a competitor’s claim that you committed slander, libel, or copyright infringement, such as in your advertisements or marketing materials. A general liability policy can cover these and other issues.
Any Type of Fitness Business Needs Personal Trainer Insurance, Including:
Group fitness instructors
Human performance trainers
Professional athlete trainers
More on Professional Liability Insurance for Personal Trainers
Professional liability insurance from biBERK helps protect your business if you make a mistake (error) or fail to perform a service (omission). Professional indemnity insurance, another name for professional liability or E&O insurance, can also cover related defense costs, even those associated with groundless claims. Claims can include the following scenarios:
This happens when you’re expected to take certain actions but fail to do so. For instance, you’re supposed to provide a client with a customized fitness plan but you do not.
Negligence is the failure to use proper care in performing a task. An example would be that you make a mistake in helping a professional athlete client with an exercise and they suffer a torn ligament.
In this case, you’re being held responsible for a mistake you made that caused your client a financial loss, such as recommending the wrong exercise, which results in a debilitating injury.
In each instance, professional liability (E&O) insurance covers the costs for legal defense and damages. Plus, biBERK provides an attorney to represent you. biBERK can also cover client damages—including punitive damages, if permitted by law in your state. Punitive damages can be quite high, as they are assessed by courts on top of other damages. This is an effort to punish those allegedly at fault even further. If your state allows these damages to be covered by an insurance policy, biBERK covers up to the policy limit.
What Does Fitness Instructor Insurance Cost?
Your fitness instructor insurance cost is calculated based on a number of factors. These include your location, business size, and claims history. You can get fast, free, self-service quotes online for the policies you need to determine your specific fitness instructor insurance cost.
What's not Covered by Personal Trainer Insurance?
Personal trainer insurance policies like professional liability, workers’ compensation, and general liability are fairly comprehensive. However, there are certain things they don’t cover. For instance, a professional liability policy doesn’t cover situations where a client is simply unhappy with the work you did. For coverage to apply, the claim must be the result of an error or omission. With a worker’s comp policy, injuries that occur while the person is under the influence of drugs or alcohol typically aren’t covered. And a general liability policy won’t cover damage to a client’s property if that damage is intentional. It’s important that you carefully review your policies to understand what they do, and do not, cover.
Am I Required to Have Personal Trainer Experience?
Whether or not you’re required to carry personal trainer insurance depends largely on the specific type of work you do and the risks that come with it. Although not always required by law, it’s a good idea to carry personal trainer insurance so that you have financial protection if the unexpected occurs.
What Professions Need Personal Trainer Insurance?
Professions that may benefit from this type of insurance include fitness instructors, personal coaches, and private trainers. Between 33% and 50% of small businesses are engaged in lawsuits in any given year, and the cost can easily add up to $10,000 or more. If you get hit with a lawsuit, you’ll be glad you’re covered.
Why biBERK for Personal Trainer Insurance?
We're the experts when it comes to small business.
Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.
We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.
We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.