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Personal Trainer Insurance

Personal trainers and fitness professionals are exposed to risks which could cause substantial losses to themselves and/or their business. For example, lawsuits from clients for their bodily injury or property damage. Hence, trainers need to protect oneself as well as their business from all kinds of risks, for which they can rely on personal trainer insurance.<br>It covers all types of professionals like:<br>u2022tAthletic Trainers <br>u2022tGym Assistant <br>u2022tYoga Instructor<br>u2022tPhysical Therapist <br>u2022tGroup Fitness Instructor <br>Some of the coverages available in a personal trainer insurance are:<br>u2022tCommercial General Liability Insurance<br>u2022tProfessional liability insurance<br>u2022tCommercial Property Insurance<br>u2022tBusiness Owners Policy (BOP)<br>u2022tBusiness Interruption Insurance<br>u2022tWorkers compensation insurance<br>u2022tCommercial auto insurance<br>To learn about personal trainer insurance in more detail, follow this link: https://quotezebra.com/personal-trainer-insurance/<br>

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Personal Trainer Insurance

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  1. Personal Trainer Insurance A guide to securing your career

  2. Risks that you may face while working as a personal trainer Exposures related to third-party claims- mostly bodily injuries and property damage. According to National Safety Council, 498,498 injuries out of a recorded 7,804,940 in 2018 were due to exercise and exercise equipment. The numbers are only expected to go higher as people are more concerned towards fitness today.

  3. Who needs personal trainer insurance? • Personal trainer insurance is specialized to protect independent trainers and their businesses. • The coverage is for fitness professionals who work as:   • Athletic trainers • Gym Assistant • Yoga Instructor • Physical Therapist • Group fitness instructor

  4. What are the insurance needs for the personal trainers? The insurance needs of a personal trainer varies from individual to individual.  We will walk you through policies that you need as a personal trainer

  5. Commercial General Liability Insurance General liability insurance policy covers you and you from claims that include: • Third-party property damage • Third-party bodily injury • Reputational damage

  6. Professional Liability Insurance • Professional liability insurance (PLI) covers personal trainers against negligence and other claims initiated by their clients. • It is an important policy to have as CGL policies do not cover claims resulting from negligence, malpractice, misrepresentation or other business practices.

  7. What other add-ons could you consider? There are some additional policies you can look into if you run your own gym or studio. These include: • Commercial Property Insurance • Business Owner’s Policy (BOP) • Business Income Insurance • Workers’ Compensation Insurance    • Commercial Auto Insurance

  8. Commercial Property Insurance • Commercial property insurance will cover for the business owned property that are used for practice sessions, including buildings, equipment and other assets.  • It protects your property from perils such as fire, theft, and natural disaster. 

  9. Business Owners Policy(BOP) • Business Owners Policy offer coverages that combine protection from all major property and liability risks in one package • The coverage usually combines two policies:  • general liability insurance • commercial property insurance.

  10. Business Income Insurance A business income insurance policy covers your business from loss of revenue in case of an interruption in your operations.

  11. Workers Compensation Policy • A workers compensation insurance policy protects employees and your business from work related injuries. • The policy provides treatment, disability, rehabilitation and death benefits for workers who are injured or killed while on the job. • All the states except Texas require businesses to carry workers compensation policy.

  12. Commercial Auto Insurance • Commercial Auto Insurance covers your business from claims resulting from property loss or injury from your commercial vehicle accidents. • You can also obtain commercial auto insurance for your personal car if you use it for your business- like visiting your client's space to provide services.

  13. How much will personal trainer insurance cost you? • Several factors influence how much coverage would cost you. These include: • Nature of fitness services • Claims history • Location • Type of equipment and business equipment • Number of employees • Business revenue

  14. What are the standard exclusions? Polices have some standard exclusions one should know before purchasing personal trainer insurance coverage. These include: • Training clients at home • Claims against misconduct with client • Coverage for nutrients and supplements

  15. As someone working as a personal trainer, it is important that you protect your investments from various risks.  To learn more about personal trainer insurance or to buy one, click the button below or follow the link in the description below:

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