Protect Your Clients From Injury And Protect Yourself From Your Clients
Protect Your Clients From Injury And Protect Yourself From Your Clients
The fitness industry is concerned primarily with health and well-being. However, simply being in top shape does not preclude fitness instructors from being caught up in career ending situations. While involvement in the fitness industry is a very lucrative and rewarding career choice, it is also fraught with many different kinds of danger. For this reason, fitness insurance coverage is essential for a trainer's peace of mind.
When looking at different insurance packages it is important to read the fine print carefully to ensure that you get the best coverage possible. Most regular packages will offer both general and professional liabilityinsurance. If you are employed at a fitness center chances are that you are insured under the center's general liability insurance, however do not take it for granted that you areomsured. A prime example of someone who would not be covered is an independent trainer simply using the premises to train a client. If you train clients at your personal home or studio, you will also need to take out your own general liability insurance.
Professional liability fitness insurance is also a must for professional trainers. As a trainer, you are trusted as being skilled in training others. Should anything untoward happen to one of your clients acting under your guidance and training there is a very good chance that you will be held responsible. You could be sued for something as simple as an injury resulting from a failure of your client to warm up properly prior to exercise, or you could be accused of sexual harassment while training your client.
Ideally a comprehensive policy should cover anything that is liable to happen to you during the course of your career. Fitness trainers frequently are asked and oblige by giving advice on any number of different topics. Unfortunately, it is possible that they will be taken to court over advice given to a client during a training period. They also often come in close physical contact with those they are training and as such can be sued for sexual abuse or harassment. A comment taken the wrong way could result in slander charges being leveled against you.
If you are looking for a comprehensive insurance plan you may want to opt for one offered by an insurance company that is well versed in all aspects of fitness insurance; there are many companies that do offer specific policies to personal trainers although some companies will only offer coverage to gyms or centers. Make sure that the activities you regularly engage in with clients are also covered under your policy as not all activities are. Protect yourself and your future career by ensuring that you are covered in the event any charges brought against you.
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