Personal trainers are in trend these days. As people move towards healthy eating, achieving their fitness goals and transitioning their body shapes; getting trained from a personal instructor gives them the much needed boost.
Choosing to be a personal trainer comes with great income potential. But it also involves several risks and that is where gym insurance comes into action. Trainer insurance comes with several benefits. It is a saviour for an unpredictable mishap that has always got your back. To know more about it, keep on reading.
Importance Of Personal Trainer Insurance
If you have just started with a fitness studio, you might be trying to curb your costs in every possible way. And making an investment in fitness insurance is something that you seriously wish to get rid of. Well, even if you do not spend now on insurance, you might have to pay much more later in case of some mishap. Personal trainer insurance coverage is for the long run. Initially it seems like a waste of money but none of us can predict the future. You need to ask yourself, will I be able to handle the expenses that might come along with the situation? Of course not. In case there are any unexpected circumstances then nothing but an insurance like this can only save you and your studio.
Having insurance enhances your credibility as a trainer. It showcases to your client how professional you are with the services you provide. This particular thing also distinguishes you from others providing the same service. Once you are done with your insurance, market about it to let everyone know that you are certified as well as insured. Help each client witness that you are the real deal.
Insurances That Every Personal Trainer Needs
There are several policies that offer protection to personal trainers and instructors. But finding out which ones you need is always confusing. If you yourself are the owner of the gym then there are two major insurances –
The personal trainer liability insurance protects and safeguards you against the false claims. For all those claims alleging that a client got injured by taking your advice or by doing the exercises that you told, are covered under this personal trainer insurance. Liability insurance has two types – General Liability Insurance and Professional Liability Insurance:
- General Liability Insurance covers the claims related to injury. If a client alleges that he or she got an injury by the trainer’s advice then only a general liability insurance can save that trainer. Such incidents generally happen when a client gets hurt during the training session. So all those who think they might be a victim of such claims should go for general liability insurance.
- Professional Liability Insurance is liable when a client claims injury caused due to trainer’s negligence. Choosing fitness training as a career option in itself is challenging but the claims that come along are an expensive affair too. It is better to play safe and be ready for what’s coming than to regret later.
Every ten out of hundred trainers are self employed. If you are also in the list of those ten, disability insurance is a must have for you. Disability insurance falls in the category of private gym insurance. In case you are unable to pay the bills and other dues because of some crisis, then this insurance covers it all for you. There are two types of disability insurance, one is long term and other is short term. Short term disability insurance lasts for six months whereas long term disability insurance lasts for years. Depending on your need, you can take any of those.
So choose your personal trainer insurance wisely and keep yourself safe from the unexpected expenses and loss.