Working as a personal trainer can be hugely rewarding. Doing something you love, working with the public, helping them to achieve their goals, and knowing that you helped them do that.
However, something you may not have thought about when it comes to your personal trainer career is the insurances that you require before you start out. Like any job when you work with the public, you need to know you’re protected should anything go wrong.
Below, we take a look at everything you need to know about personal trainer insurance, from why you need it to the types of questions you should be asking when choosing your personal trainer insurance.
If you’re wondering why you require insurance, think of it in the same way as you would a car. After all, you wouldn’t drive without insurance as it would leave you financially vulnerable, and personal trainer insurance acts in the same way, giving you:
Depending on the type of personal trainer insurance you have, you’ll be protected from:
Like any insurance policy, personal trainer insurance isn’t a one size fits all situation, and you need to ensure you’re covered for what you need.
Therefore, when shopping for a personal trainer insurance policy, you should be asking the following questions:
And remember, if you aren’t qualified, you can’t get insurance, so don’t try and fit in any extra practice sessions in until you have those certificates in your possession.
Now that you know why you need it and what you need to be looking for when getting a policy, let’s take a look at the types of insurance you’ll need as a personal trainer.
Overall, there are five key types of personal trainer insurance, which are:
So, let’s take a deeper look at what these are.
At the very least, you’ll need this as it’ll cover you against claims made against you, which could include:
While this is the minimum level of insurance you’ll need, it actually comes in two sections, which we’ve broken down below:
Even if you’ve done nothing wrong, if a client feels you’ve provided bad advice or guidance, they could make a claim against you. Defending these claims can be costly, which is where this insurance comes in to help. It’s always advised to ensure this is included within your policy.
If you operate your own premises you’ll want to ensure it’s safe, in the same way you would your home. The same applies to the equipment inside or equipment you take with you to other premises. These can be expensive and you’ll want to ensure they are protected should they be damaged or stolen.
Anyone can experience an injury, whether you’ve been doing the job for 12 months or 12 years, which is why you need to ensure you’re covered should you suffer a personal injury, regardless of its severity.
However, many insurers will only cover you if the injury is sustained on the job, so be sure to read the small print.
If you are injured and it prevents you from working, your earnings will suffer, and this will help to provide financial support whilst you’re unable to work.
While insurance may seem daunting, as you can see, once you know what you’re looking for it isn’t too difficult, and will ensure you’re protected while working your dream job.
To find out more about becoming a personal trainer, get in touch with Focus Training today.
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