The personal trainer generally work hundred of hours and spent considerable time and money to receive the certifications that gives them opportunity to positively impact the lives of their clients. However, just one claim from one client can send the entire business they built crashing down. Nowadays various personal training insurance companies are offering liability policies to certified personal trainers. But simply buying a policy is not going to solve the problem. It is important to know what the personal training insurance policy covers and also what it does not cover. In case your policy does not cover required criteria, it will act as if you had absolutely no policy at all.
Today many personal training insurance policies are being issued that usually does not include general and premises liability. If an insurance claim arises from in home training, you will be covered with appropriate premises liability coverage. Similarly if a personal training insurance claim arises from training a client in a gym, your only requirement is that the gym will have the necessary coverage, otherwise you may be assuming significant risk. Generally all general insurance policies do not cover the following, so make sure you choose personal training insurance policy that also provides coverage for:
1. Professional liability
2. Products liability
3. Personal injury
4. Abuse and molestation
5. Additional insured
Always keep in mind the personal training insurance company you choose is an A+ rated company that will be around and will support you comprehensively in the event of a claim. A professional A+ rated insurance company will certainly provide you with legal defence at no cost to you.
How to become personal trainer?
There are various ways you can take to become a personal trainer. Depending on your goals you can first seek a Bachelor’s Degree in exercise science, exercise physiology or a related field and then potentially pursue a Master’s Degree. However, you can also earn a Certification from one or many of the organizations in order to become a personal trainer. Having background knowledge may be beneficial, but not required if you chose this path. An accredited certification assures you as a trainer that your certification will be nationally recognized by most gyms and fitness centres. If you want to become personal trainer, it is required to carry personal training insurance in order to protect your clients and yourself against personal injury and property loss.
