Friday, June 12, 2009

Personal trainer liability insurance

Personal trainer liability insurance

Insurance is needed by each individual to minimize his economic loss for future security due to any accident or negligence. However, there are various types of insurance that are granted to the individual, depending upon their risk appetite. Many individuals need different type of insurance for protecting themselves from the liabilities. Liability insurance is the type of insurance, which cover the third party claims rather than covering the insured. If there are any of the claims related to the third party, due to any losses to them from the insured or insured assets, due to negligence, the insurance company covers the cost for the unstated and unforeseen claims. Liability Insurance for Personal Trainers are the individual, whose profession is to train the masses in sports activities or health related problems like aerobics, gymnasium, yoga and many more.


What Do Personal Trainer Liability Insurance Means?

The personal trainers are exposed to professional and personal risks, so they are in need to be covered with liability insurance. Various malpractices are also covered for the professional personal trainer, to avoid any economic loss to such persons. The insurance covers both the professional and public liability of the individual, which are considered to be the civil liabilities, as per the regulations. These policies do not cover any liabilities resulting from the criminal act of the concerned insured and it is the basic rule of all the insurance business. The policy is extended to cover the sexual abuse and discrimination activities, which are both considered in the civil and criminal offenses. The cover for these offenses are limited by the company, so a fix amount is paid and if the claim amount is more than limited sum, the insurance company would not be liable to pay more than a fixed sum.

It should be understood that the sexual abuse and discrimination offences are related to the legal defense, so the claimants have to right to get compensated by the company only from a civil procedure. The insurance companies exclude such offences, if both the acts have been proven by the court from the criminal intent on the part of the insured. Many companies exclude the criminal or the violence actions committed by the insured against the third party. So, violence actions are not covered by the companies, whether it was an act of self defense or for any other reasons. If the inured is moving out of the country for starting the profession at the new place, the insurance companies do endorses the policy of the concerned extending the jurisdiction of the policy to the new country. However, it is granted only if the insured is legally allowed to practice his profession in the other country.


Eligibility for Getting Insured for a Personal Trainer Liability Insurance

The personal trainer needs to be qualified for the practice in the respective country. Liability Insurance for Personal Trainers must have to provide all the documents necessary for proving the professional training and education requirement to practice the profession. Only the personal trainers are granted the insurance, which have a clean record from any of the previous claims or any of the case filed against the applicant. The documents proving the same, needs to be submitted to the company with the application. In addition to it, the concerned have to confirm that he has no knowledge of any of the possible future claims against him.

Personal Trainers

Liability Insurance for Personal Trainers
Personal Trainers

Protect Yourself with General Liability Insurance

Liability Insurance for Personal Trainers, clients turn to you for expert advice on health and fitness. Unfortunately, they can just as easily turn on you if they believe the exercise program you recommended caused their illness or injury. The number of clients suing their trainers for negligence has risen dramatically in the past few years, and many of these lawsuits have resulted in awards of substantial sums of money.


How Does General Liability Insurance Help?

General liability insurance helps you by protecting you from financial loss. Without insurance, if a client is injured and sues you for negligence, you would have to pay for losses out of your own pocket.

When you teach at a facility that someone else owns, their insurance does not cover you and will not protect you! Most gyms and schools require you to have your own general liability insurance.


Choose the Coverage You Need

You can choose the general liability limit you need:

- $136 premium, fully earned: $500,000 per occurrence/$1.5 million aggregate
- $171 premium, fully earned: $1 million per occurrence/$3 million aggregate

Fully earned means that if you cancel your liability insurance for personal trainers policy, your premium will not be refunded. Per occurrence is the maximum amount Markel will pay for each covered claim. Aggregate is the maximum amount Markel will pay for all covered claims combined. (Where permitted by law.)

This general liability policy is offered through PersonalTrainerInsurance.com, a Markel partner agency.

22231 Mulholland Highway
Suite 209B
Calabasas, CA 91302
800-596-0969
pti@eliterisk.com

Individual Fitness Instructors

Individual Fitness Instructors

Personal Trainer Insurance, Personal Trainer Liability Insurance, Fitness Instructor Insurance, Liability Insurance for Personal Trainers

Pay Just $230 For a Rock Solid $1,000,000 Liability Limit that Does Not Require You to Join Another Expensive Association or to Become Certified Just to Qualify. (If you are certified, the cost is just $179.)

Beware of other programs that don't cover punitive damages and that nickel and dime you to death with a $30 charge for each additional insured. Read the fine print in competitor's programs!

"Finally, a company with no secret affiliations (or hidden agendas) that provides quality insurance for TRUE fitness professionals!"
- Corey Little, Athens, GA


PROGRAM ELIGIBILITY

Specifically designed to meet the unique needs of a U.S. based personal training, exercise, aerobic or yoga/pilates instructor directly supervising an individual or group engaged in fitness and exercise activities. Liability Insurance for Personal Trainers Include:

- Aerobics
- Aquatic Exercise
- Cardio Kickboxing
- Children's Fitness Programs
- Dance
- Exercise
- Fitness Boot camps
- Gyrotonic
- Personal Training
- Pilates
- Spinning
- Strength
- Tai Chi
- Yoga

* This program does not provide coverage for the operation, ownership or maintenance of a fitness, sports or dance facility.


PROGRAM INELIGIBILITY

- Certified Athletic Trainers
- Coaching of Competitive Athletics
- Instruction of Sports Skill Activities
- Instructors based outside of the U.S
- Instructors under the age of 18
- Physical Education Teachers working in a private or public school, university or college
- Stroller Based Fitness Instructors

Notable Exclusions: Please print the application for additional exclusions contained in this policy.


CARRIER

Coverage is provided by a carrier rated A+ (superior) by AM Best Company.

PROGRAM INELIGIBILITY

- Certified Athletic Trainers
- Coaching of Competitive Athletics
- Instruction of Sports Skill Activities
- Instructors based outside of the U.S
- Instructors under the age of 18
- Physical Education Teachers working in a private or public school, university or college
- Stroller Based Fitness Instructors

Notable Exclusions: Please print the application for additional exclusions contained in this policy.


Service for Current Clients

- Frequently asked questions FAQ If your question isn't answered here, please send us an email


LIMITS OF LIABILITY AND ANNUAL PREMIUMS

COVERAGE- OPTION 1- OPTION 2- OPTION 3

Each Occurrence Limit- $500,000- $1,000,000- $2,000,000
General Aggregate- $1,000,000- $2,000,000- $2,000,000
Products/Completed Operations Aggregate- $500,000- $1,000,000- $2,000,000
Personal & Advertising Injury- $500,000- $1,000,000- $2,000,000
Damage to Premises Rented to You- $300,000- $300,000- $300,000
Medical Expense Payments (other than participants) - $5,000- $5,000- $5,000
Legal Liability to Participants- $500,000- $1,000,000- $2,000,000
Professional Liability- $500,000- $1,000,000- $2,000,000
1-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.)- $144.00- $179.00- $269.00
2-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.)- $258.00- $323.00- $484.00
1-YEAR PREMIUM (Non-Certified Instructors) - $189.00- $230.00- $345.00
2-YEAR PREMIUM (Non-Certified Instructors) - $331.00- $414.00- $621.00

FLORIDA APPLICANTS

Note: All Florida applicants must add a 1% state mandated Liability Insurance for Personal Trainers assessment fee to the total of the premium.

1-YEAR PREMIUM (Certified Instructors) (FLORIDA APPLICANTS ONLY) (Must Indicate Certification.)- $145.44- $180.79- $271.69
2-YEAR PREMIUM (Certified Instructors) (FLORIDA APPLICANTS ONLY) (Must Indicate Certification.)- $260.58- $326.23- $488.84
1-YEAR PREMIUM (Non-Certified Instructors) (FLORIDA APPLICANTS ONLY) - $190.89- $232.30- $348.45
2-YEAR PREMIUM (Non-Certified Instructors) (FLORIDA APPLICANTS ONLY) - $334.31- $418.14- $627.21


IMPORTANT NOTES

- Rates are per instructor.
- Rates are available 12-01-08 to 11-30-09.
-
You are not required to join an association to qualify for coverage.

- Additional Insured’s (ex: Managers and/or lessons of premises) can be added at no additional cost.
- A complete coverage description is included in the application.
- Notice to Agents & Brokers - There are no commissions included in this program.

Personal Trainer Professional Liability Insurance

Liability Insurance for Personal Trainers
Personal Trainer Professional Liability Insurance

Liability Insurance for personal trainers would be crazy to operate your business without personal trainer professional liability insurance. In fact, many gyms will not allow you to operate without giving them proof of business liability insurance. There is a real risk of injury due to the physical nature of personal training.

And now you can discuss the various insurance company options below. See what other personal trainers are saying about their liability insurance policy.


Why do I Need It?

Personal trainer professional liability insurance protects you and any other parties named on the policy in the event that a client suffers an injury while training (or even partially as a result of training). The scary part is that you don't even have to be present when the injury occurs.

Let's say you design a program where the client does 20 push ups each morning. If the client suffers a heart attack while doing the pushups you can get sued. That's where personal trainer professional liability insurance steps in.


So what happens if I get sued?

If you didn't have liability insurance for personal trainers you would have to defend yourself in court. Defending personal injury lawsuits is very tricky and your legal bills would run tens of thousands of dollars. And if you lose the case, you will have to pay thousands more in damages. This would be enough to ruin most personal trainers.

But if you do have personal trainer professional liability insurance, the business insurance company is obligated to defend you in court. They pay all the legal fees and any damages up to your policy limit. So it is always a good idea to have a business liability insurance policy with at least a $250,000 limit. ACE recommends $500,000 in business insurance coverage for its members.


Am I covered by the Gym's Policy?

That's a difficult question to answer. If you are an independent contractor, then the gym's personal trainer professional liability insurance policy is unlikely to cover you (it might cover them).

However, if you are an employee you may be covered on their policy. It’s a good idea to ask to see the policy details to be sure that you are covered. And remember, if you are going to train any clients privately and not through your employer, or if you train clients at multiple locations, you should buy personal trainer professional liability insurance.



What Insurance Company do you recommend?

Liability Insurance for personal trainers has to shop for liability insurance, so let's share our experience and find the best insurance deals.

Personal Trainer Insurance

Liability Insurance For Personal Trainers
Personal Trainer Insurance

Liability insurance for personal trainers have devoted incredible time and energy to becoming a personal trainer, assembling your clientele and creating a reputation and business you can take pride in. Give yourself peace of mind by making sure your business is covered!

Designed for:

- Personal Trainers
- Athletic Trainers
- Sports Conditioning Professionals

Protect all you have worked for with the industry’s lowest-cost comprehensive insurance programs that fit a variety of needs.

- Liability insurance for less than 50 cents per day.
- IDEA and Fitness and Wellness Insurance have been partnering for over 20 years, giving you a strong policy customized for the needs of personal trainers.
- Fitness and Wellness Insurance is one of the world’s largest insurance underwriters and is a member of A+ rated Philadelphia Insurance Companies.
- Mark yourself as an ethical, serious and professional personal trainer by being properly insured.

Personal Trainers YOU ARE COVERED!

Liability insurance for personal trainers policies cover liability and trip-and-fall claims wherever you are training clients: at clubs, in homes, at the YMCA, anywhere.
General Liability Insurance Coverage

Personal Injury Liability Insurance for Personal Trainers covers you against claims concerning libel, slander, or wrongful invasion of privacy.

Basic Insurance Coverage for Personal Trainers

$1,000,000 per incidence
$3,000,000 aggregate limit

Sexual Abuse Liability Insurance for Personal Trainers

$100,000 per incidence
$300,000 aggregate limit

Products Liability Insurance for Personal Trainers

$1,000,000 aggregate limit and others available.

Miscellaneous Professional Liability Insurance for Personal Trainers covers you against bodily injury claims arising out of delivering or failing to deliver services.

Higher Personal Trainer Liability Insurance Limits Available

You can increase your liability insurance for personal trainers limits of liability at very reasonable rates. Protecting yourself and your business assets has never been more important.