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
Pay as low as $179 for a rock-solid $1,000,000 Liability Limit that does not require you to join another expensive association and receive your Certificates of Insurance IMMEDIATELY.
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.
If you’re the owner of a fitness facility, click here to find out how to save up to 38% while getting the protection you need.
Limits of Liability and Annual Premiums
|COVERAGE||OPTION 1||OPTION 2||OPTION 3||OPTION 4||OPTION 5||OPTION 6|
|Each Occurrence Limit||$500,000||$1,000,000||$2,000,000||$3,000,000||$4,000,000||$5,000,000|
|Products/Completed Operations Aggregate||$500,000||$1,000,000||$2,000,000||$3,000,000||$4,000,000||$5,000,000|
|Personal & Advertising Injury||$500,000||$1,000,000||$2,000,000||$3,000,000||$4,000,000||$5,000,000|
|Damage to Premises Rented to You||$300,000||$300,000||$300,000||$300,000||$300,000||$300,000|
|Medical Expense Payments (other than participants)||$5,000||$5,000||$5,000||$5,000||$5,000||$5,000|
|Legal Liability to Participants||$500,000||$1,000,000||$2,000,000||$3,000,000||$4,000,000||$5,000,000|
|Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement||$100,000||$100,000||$100,000||$100,000||$100,000||$100,000|
|1-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.)
|2-YEAR PREMIUM (Certified Instructors)
(Must Indicate Certification.)
|$258.00||$323.00||$484.50||Not Available||Not Available||Not Available|
|1-YEAR PREMIUM (Non-Certified Instructors)||$184.00||$230.00||$345.00||$595.00||$845.00||$1,095.00|
|2-YEAR PREMIUM (Non-Certified Instructors)||$331.00||$414.00||$621.00||Not Available||Not Available||Not Available|
Rates are available 01-01-2015 to 12-31-2015
Coverage is provided by a carrier rated A+ (superior) by A.M. Best Company.
ALL APPLICANTS: A $15 RPG fee is required by the carrier for all applications. An RPG fee provides group purchasing power for similar risks resulting in potential advantageous coverage terms, competitive rates, risk management bulletins, and rewards for favorable group loss experience.
- Rates are per instructor.
- You are not required to join an association to qualify for coverage.
- Additional Insureds (ex: Managers and/or lessors of premises) can be added at no additional cost.
- A complete coverage description is included in the application.
- Note to agents and brokers: There are no commissions included in this program.
Eligible activities include:
• Acro Dance/Tumbling
• Aerial/Anti-Gravity/Suspended Yoga (certified instructors only)
• Acrobatic/Partner Yoga
• Aquatic Exercise
• Cardio Kickboxing
• Children’s Fitness Programs
• Fitness Bootcamps
• Hoop Fitness
• Personal Training
• Tai Chi
• Tumbling (floor only, no gymnastics apparatus)
- Certified athletic trainers
- Coaching of organized competitive athletic teams
- Instruction of sports skill activities
- Instructors under the age of 18
- Instructor’s employment as an exempt or non-exempt employee of a school, university or college
Notable Exclusions: Please print the application for additional exclusions contained in this policy.
Risk Management Content
Visit our Risk Management page to access the following important content most applicable to Fitness Instructors:
- “Suffering the Injury and Blaming the Trainer”
- Sample Waiver/Release-Minor & Adult
- Are Waivers Worth The Paper They Are Written On?
- Before You Sign The Facility Lease Agreement
- Collecting Certificates of Insurance From Vendors
- Emergency Information / Medical Consent Form
This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos, and forms.
General Liability and Professional Liability
General Liability insurance protects personal trainers against the following types of claims involving bodily injury, property damage, and personal/advertising injury:
- Injury resulting from inadequate supervision such as failure to properly spot trainee
- Failing to properly instruct the trainee on correct technique resulting in injury
- Injury resulting from use of substandard equipment or defective equipment
- Injury resulting from failure to design a proper workout program
- Slip/trip/fall injury due to wet area on floor or exposed electrical cord
- Allegations of slander, libel, or invasion of privacy
- Negligence that results in electrical short causing fire that damages building
General Liability policies should include a Professional Liability endorsement which may include coverage for certain allegations other than bodily injury and property damage. For example, a client could claim failure to progress with fitness goals due to improper instruction. Many of these types of allegations are groundless, but are costly to defend against.
Accidents and High Risk Activities
Accidents and medical emergencies can happen anytime, to anyone, anywhere. And while you may not be liable, chances are you’ll face situations where you have to defend yourself against claims made by clients. In addition to offering General and Professional liability insurance geared to personal trainers, we also offer specific risk management tools and advice for trainers working as employees and independent contractors, and that will help you minimize risks whether you work out of your home, your own studio, or another facility.
Fitness professionals must be knowledgeable in assessing health risks for their clients. Screenings should be systematic and addresses signs and symptoms of disease, risk factors and family history. The client and trainer fill our portions of the screening forms, and both sign an agreement as to goals and training methods based on the assessment.
One example of such a screening is the PAR-Q & You form, which is a well-recognized pre-exercise screening measure for low-to-moderate exercise training. This is broad tool that may overlook the client’s important health information. However, a “yes” answer by the client to any of the questions requires the trainer to obtain a medical release form from the client’s physician. Clients should also sign an informed consent/release of liability form.
Below are activities considered outside the expertise of personal trainers, and therefore not eligible for professional liability coverage. Certified athletic trainers and trainers under the age of 18 are also not eligible.
- Acrobatics instruction
- Coaching of organized competitive athletic teams
- Cycling (other than stationary)
- Sports skills instruction
- Instruction/activity on open water (i.e. lakes, ponds, ocean)
Business risks not related to training
Many small business operators are so busy building the business that they don’t take time to ensure the safety and security of everything for which they’ve worked so hard. There are hidden risks few business operators thing of until it’s too late. Let us help you determine what type and how much coverage you need to adequately cover yourself, your clients and your business in the event of an accident or catastrophic incident.
Employees vs. Independent Contractors
Personal trainers can work as employees in health clubs, studios and fitness organizations or as independent contractors. There are perks and downfalls to both options.
Should you form a Limited Liability Company?
A business designated as limited liability company (LLC) enjoys the limited liability features of a corporation and the tax benefits of a partnership. Depending on the state of registration, an LLC can consist of a single owner or two or more individuals (known as members). An LLC isn’t taxed as a business. Instead, the profits and losses pass through the business to the member(s). The members report profits and losses on their personal tax returns.
- Limited liability means that the members are protected from personal liability if the LLC if the LLC is sued. However, the “limited” in limited liability means members are protected from their passive negligence when other employees are directly negligent; however, owners are not necessarily protected from allegations of their direct, personal negligence.
- Less registration paperwork is required and smaller start-up costs involved than a corporation.
- Profit restrictions are fewer because members distribute profits however they want. They decide the profits and loss percentages each member earns.
- In many states, the LLC is dissolved when a member leaves. The other members are required to fulfill any remaining business obligations to close the business. They can then decide whether or not to register a new LLC. However, there can be a provision in the original business agreement that the life of the LLC will be prolonged in the event of a member’s departure.
- LLC members are considered self-employed. As such, they are required to pay self-employment tax contributions toward Medicare and Social Security. These taxes take into account the entire net income of the LLC.