Personal Trainer Insurance Quote

Let me guess. You LOVE training your clients. Some of them you even consider friends. You are very careful with their bodies.

Personal training can even be sexy. ????

Or is it?

It won’t be the moment your client gets injured.

It’s one of the most important aspects of your job as a personal trainer… to have personal trainer insurance. JUST in case.

You must have liability insurance for personal trainers. If a client blows out a knee in your session, you better expect that they are going to you for damages. Their body and their health, in many ways, are in your hands. And yup, you are responsible.

But first, here’s a fun snippet of the 7 types of douches you see (and maybe train) at the gym.

What Type of Personal Trainer Insurance Do I Need?

There are two primary types of insurance that will cover your butt:

1. Professional Liability
2. General Liability Insurance

Professional Liability

This is sometimes called E & O insurance. Professional liability personal trainer insurance covers you for performing your services. There are two types of professional liability claims that can be made against you:

1. Negligence
2. Loss of personal information

1. Negligence

You have been training at Mico’s Gym for 8 years. You’ve had personal trainer liability insurance for all 8 years. Thank god for that. Today it paid for itself. MANY times over because…

Your client Karen has been with you for 2 weeks. She’s 68, frail, has high BP (on meds) and a family history of diabetes. You start her off very slowly, little by little. Walking at 3.0 for ten minutes, followed by some light stretches and one set of each exercise at a very light weight.

It’s only a 30-minute session. Still, one day she starts feeling strange and weak.

She’s rushed to the hospital with chest pains. (Great) Guess who she sues? You, for ‘causing’ her heart attack plus the pain and suffering of it all. It was not your fault.

This was an impending event whether she worked out with you or not. Unfortunately, it happened on your watch. Luckily you had professional liability personal trainers insurance. The costs were covered.

2. Loss of Personal Information

45-year-old Jane comes into the gym. She asks for a personal trainer. You step up to the plate. She’s very sweet. She fills out the Par-Q form and billing information. You take her measurements and record them. She becomes a regular with you 2x a week.

Two months down the road, you want to re-assess her measurements. You go to look for her file and you cannot find it. You already informed Jane that it was re-assessment time. However, now you can’t do a damn thing because you lost her file.

Jane is livid because of the very personal information it contained including financial info. If she sues you, you will be relieved that you are covered with this type of insurance.

This is also sometimes called malpractice insurance for personal trainers. You really need it to cover your butt. We all know how litigious our society is. You are messing with people’s bodies, one of their most important assets. Of course, there is a danger and a risk when you make them actually USE it to do more than just sitting, standing and lying down.

Other Types of Lawsuits

Sure, you can also be sued for things like sexual harassment. Invasion of privacy. Slander. Who knows what’s going on around the locker room. Here (PDF) are some cases/examples that are directly involved in the fitness industry. They include cases of bodily injury, sexual assault and even a wrongful death case due to a dietary supplement.

PT Insurance – Personal Liability

THIS PT insurance is the stuff that protects you from someone claiming that you hurt them directly. Having this is essential to your business. You need it in the same way you need bodily injury insurance for your car. This can also be called commercial general liability.

Here’s what can happen to you in this business. You need to be protected from it and all other crazy scenarios that may happen. Primarily, you get two types of protection from general liability insurance:

1. Bodily injury (Don’t hurt me)
2. Property damage protection. (It’s my stuff, don’t break it)

Bodily Injury Protection

Jason is one of your clients. He’s a 27-year-old office worker. You have trained him for two years, three days a week. He’s a strong lifter and is one of the top athletes at the gym.

Today was a mix-it-up day. You had him doing a few more deadlifts than usual at a lower weight. On his tenth pull, his back goes out.

You rush him to the chiropractor. He can’t work for a week and has to stay in bed. He sues you for negligence, even though it was no fault of yours- he had an undiscovered slipped disc in his low back.

Doesn’t matter. He attributes it to THAT DAY. He thinks it’s your fault due to the extra repetitions. There’s nothing to stop him from suing you. Still, you’re lucky you had professional liability insurance. You are covered because of it.

Property Damage Protection

Oops. Your client Jamie just had a baby. She is showing you some of her baby photos on her Macbook Pro at the gym. (The baby is SUPER ugly but you aren’t going to tell her that!) She’s very proud and is gloating. You happily concur that it’s adorable.

While showing you this, she stumbles on a video of her totally adorable chihuahua trying to play with the baby and it cracks you up.

You ask if you can go show one of your coworkers and she says ‘sure!’. You take her mac over to the office and show Katie and John. They die laughing.

You start back with the mac in hand, watching the video again. What you don’t see is that someone temporarily set down their gym bag right in the doorway.

That’s all it took to send you sailing through the doorway. The Macbook Pro hits the tiles with a crack.

Guess what? The screen broke and it’s obviously never going to work again. Oopsie! That’s a $2,500+ mistake. She’s looking to you to replace it. Good thing you had property damage protection!

(Or do you?)

Personal Training Insurance Quote

You are a good personal trainer. You can be the best and things still will happen. S*it happens to the best!

It’s just how life goes. If you are looking for the best protection for you and/or your business, Hiscox is the way to go. They are the best when it comes to your personal training insurance coverage.

Why Hiscox for My Fitness Instructor Insurance?

There are several reasons we picked Hiscox and nobody else.

1. Customization: The agents at Hiscox are very good at finding out what your specific needs are based on where you work, what kind of insurance your employer has or what you need as your own business.
2. They are a middle man. You will get the best quotes from only the best in your industry.
3. Coverage no matter where you are. You can be training in Thailand, and you will still be covered.
4. Speedy response rate.
5. Their website is very simple and easy to maneuver.

YES! Please help cover my butt and show me my personal trainer liability insurance quotes!