Warning: Fitness Professionals without Liability Insurance at Risk | PhitZone

Somebody's always after your hard-earned money.

I was recently talking to a friend who happens to be an insurance salesman.

The topic came up about insurance for fitness professionals.

Did you know that if you work in the fitness industry, you need insurance? I’m not talking health insurance, although that’s a good idea too.

This was more about liability insurance.

Bottom line – There are leeches in society that will sue at the drop of a hat. Granted, there are also those that have legit reasons to ask for compensation.

This is an industry where it’s very common for people to get hurt, or even disgruntled. Fitness professionals are a prime target.

“Due to the physical nature of personal training, liability insurance is an increasingly important part of your business.” – Katie Donnelly

If you work at a gym, don’t be surprised if you are not personally covered on the gyms liability coverage. You could still be hung out to dry. At the very least, go ask for a copy of the policy to review.

I’m the boss

You run your own training business. Good for you. I love independent fitness professionals.

But you had better make sure that you’re covered very well. Looking around the web I’ve been seeing the minimum liability coverage of $500K.

At the time of this writing, I am studying to be certified through ACT. They have an awesome coverage of $2 million for just over $100/yr. That’s a pretty sweet deal.

Do your due diligence

If you’re a personal trainer, or even a nutrition expert it would behoove you to shop around for not only a good rate, but the best coverage. Yep, even dietitians are in the legal line of fire.

Like with auto, life or affordable health insurance

plans, a company with a low rate may mean that they won’t be by your side when you need them.

For that reason, you want to select a company that has a good track record.

Photo: Leonardini

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