Insurance
for fitness instructors has become very essential now-a-days. Especially for
those who are newish to this career. You have worked hard to be a professional
fitness trainer but it takes only one incident to ruin your career. One single
incident can put all of your hard work in jeopardy. To protect your business
and more importantly yourself, you should consider getting insurance for
fitness trainers. Because this insurance will help u when u r injured or even
sued for injury or damages.
IMPORTANCE OF FITNESS TRAINER INSURANCE
Before
start working with a client, one should have insurance. Because you need to be
covered in case of any accidents such as falls, slips, other kinds of possible
injuries while working with the client in your gym, client’s hose or office.
Besides in fitness training different kinds of instruments are used. So
accidents can happen. If you are a new fitness trainer then it is very natural
that you might face injuries to yourself, to your client’s. So if you do not
want to end up with law suit on your ass where you are sued for thousands of
dollars.
LIABILITY INSURANCE
In
fitness industry liability insurance is designed for
1.
Personal trainers
2.
Sport
related coaches
3.
Sports professionals
4.
Athletic trainers
5.
Gym instructors, etc.
COVERAGE OF LIABILITY INSURANCE
Liability
insurance normally covers any kind of body injuries to yourself and to your
clients, property damages caused by your fitness instruction activities.
Normally, such policies also pay for any wrongful acts such as molestation,
sexual harassments, negligence, error, omission, and misleading statement for
discharging any client.
Many
insurance policies will not pay any compensation, if accidents occur in
premises which means in private places of your clients. Policies even do not
consider injuries where you are not defined as fitness instructor or you are
not in any kind of contract with your clients.
So you
must be careful choosing liability insurance with insurance company.
ELIGIBILITY TO LIABILITY INSURANCE
For
liability insurance you must be 18 years of old. Otherwise, no insurance
company will make any deal with you. Instructor’s employment as an exempt will
not be count for this insurance. If you are an employee of school, college or
university then you will not be eligible for liability insurance.
PROFESSIONALISM
To get a suitable job in any respectable club, gym you must have
liability insurance. Otherwise, they will not even count you and you will miss
your chance in the very first. Liability insurance is must for a professional
fitness instructor.
Companies do provide one month of free liability insurance
primarily to inspire trainers. There is eventually one year and two year
liability policy mainly for fitness trainers.
