Any person belonging to any profession needs to get himself protected against any sort of unwanted professional liability. Even if you are a personal trainer, you still need to get yourself personal trainer liability insurance. Most of the people might wonder that what on earth can go wrong with the personal trainer but if you think a little deeply then lots of things could go wrong with a personal trainer.
Who is a personal trainer?
A personal trainer is the person who helps people to maintain their health. Personal trainer not only prescribes different exercises for its clients but it also devises a food chart for its clients to help them lead a fit and healthy routine. If anyone wants to lose some weight and become fit then his/her personal trainer is going to suggest different exercises to that person. Not only will the personal trainer suggest the exercises but he will also devise a complete schedule for those exercises.
It is the duty of a personal trainer to take care of the health of his clients by keeping track of their health conditions and body weight. If any exercise is harmful for any person due to his serious health condition then his personal trainer is going to make sure that person doesn’t perform that type of exercise. If any person is facing a serious life threat due to excessive weight gain and has hired the services of a personal trainer then it’s the job of that personal trainer to make that person fit.
What can go wrong?
Lot of things can go wrong during the day. Personal trainers are also in the danger of facing lawsuits from their clients just like medical professionals. Personal trainers can get sued if:
- A client failed to reach his targeted weight and sued his personal trainer due to irritation and aggression.
- A client suffered damage or died due to any exercise prescribed by the personal trainer.
Need for personal trainer liability insurance:
Personal trainer liability insurance is mandatory for all personal trainers because it protects them from any sudden financial liability occurring due to professional negligence.
There are two types of personal trainer liability insurance plans available:
- Personal trainer professional liability insurance
- Personal trainer general liability insurance
Personal trainer professional liability insurance protects you from the claims that are made against you if you showed any professional negligence in fulfilling your responsibilities. On the other hand, personal trainer general liability insurance is going to cover you for all the claims that are made by the clients due to physical injury, emotional distress or property damage. The items covered under general liability insurance are basically linked with the clients.
Most of the organizations, where the physical trainers perform their duties also get group coverage for these physical trainers but still it’s better to get individual liability insurance for you. Totally relying on the group insurance offered by your organization can be risky most of the times. Whether you are an independent personal trainer or work for any organization, its best to approach any suitable insurance company and get the insurance plan with substantial value.