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Insure Fitness Group keeps insurance simple, affordable, and dependable by offering A+ rated occurrence-form coverage at one low rate with no hidden fees. Both the professional and student policies include:
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Yes. Fitness instructor insurance is an important component of your business and is designed to protect your financial assets and your future career if you were to be sued as a result of your training and business practices. You could be held liable for claims that include injuries, illnesses, or damages arising from your personal training or fitness services. The legal costs alone from claims like these can be financially devastating. With fitness instructor insurance, you’ll have the protection you need to train, teach, and excel in your career with the peace of mind that your future is secure.
Personal trainer insurance needs to provide adequate coverage first for the three largest areas of liability present in this industry - general liability, professional liability, and product liability.
Insure Fitness Group provides all the way up to $1 million for each occurrence for all three liabilities and $3 million in individual annual aggregates for general and professional liability. But the best personal trainer insurance isn’t going to stop with the bare minimum. Today’s fitness pros need more. Additional protections like an identity protection plan, rental damage coverage, and stolen equipment coverage are all included to provide a full 360 degrees of protection so you can pour all of yourself into motivating your clients across the finish line.
Absolutely. Professional liability coverage is a must with personal trainer insurance because of the type of work being performed in fitness in general. Professional liability insurance is often referred to as either “malpractice insurance” or “error and omissions insurance”. Either term provides a clue as to the type of coverage professional liability insurance provides. This coverage applies to the actual services you provide everyday for clients. If a client is injured or has their property damaged during a session with you, they may decide to file a lawsuit to get compensated. That’s where the professional liability insurance portion of your policy with Insure Fitness Group can really save the day.
Maybe you were having a client do a heavy set of front squats when their knee popped and they hit the ground hard. They hold you responsible for their ensuing knee surgery and all the rehab they need. A major benefit of our professional liability insurance is that it provides assistance both for the costs of the claim and for any legal defense fees that are necessary.
General liability insurance is probably something you’ve heard referred to as “slip and fall coverage”. It’s called that because slips, trips, and falls are unfortunately an all too common occurrence for professionals. General liability insurance for trainers and other fitness pros is important because it provides a broad suite of protection for various types of accidents. Slips and falls may be more common but accidents come in all shapes and sizes. Having general liability insurance means you’ll be covered if someone is injured or has their property damaged simply as a result of day-to-day business activities.
As an example of general liability insurance coverage, it could be as simple as using a wax on the floor in the lobby that you forget to designate as slippery. A client coming in for their session slips and breaks their hip. They now hold you responsible for their mountain of medical bills, lost wages, and other costs out of your failure to warn them of the dangerous condition.
but has chosen not to share that information with you. You might also have a male client who has a heart condition, or other serious health condition that could put him at risk during some of the higher intensity moves he will perform in class. Personal trainer insurance would protect you from claims arising due to conditions like these. You can see why it is critical for the protection and longevity of your fitness business that you make sure to have insurance coverage.
Insure Fitness Group offers the most affordable and most comprehensive fitness instructor insurance available. Unlike other insurance companies, we will cover a claim that happens within the policy period- even if it is filed 2 years later. With this type of support and coverage, we know that you will be able to rest easy and focus your full attention on your clients. Teach confidently and have peace of mind with insurance coverage from Insure Fitness Group.
Product liability insurance is included with our personal trainer insurance plan because this coverage provides protection against accidents involving the many different machines and devices that get used everyday in your sessions. Since you direct your client throughout the session, having them hop on a piece of machinery that then causes their injury is something that could potentially bring about a product liability lawsuit. With IFG, you don’t have to sweat it because you’ll be protected all the way up to $2 million when something happens out of the blue involving a fitness product you have your clients use.
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The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Arthur J. Gallagher Risk Management Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by Arch Specialty Insurance Company, which is rated A+(Superior) by A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer.