Personal trainer? You'll need insurance!
Becoming a personal training is extremely rewarding because your clients
for the most part respect you for being able to transform a body that
they are unhappy with to one they are proud of and to give them
independence, confidence and the ability to control their bodies and
their lives. When clients tell you because of your help, they have lost
another four or five pounds, or achieved another lifetime goal, it truly
is a wonderful feeling to know that you have helped them in the process
of becoming who they want to be.
Personal Trainer Professional Liability Insurance
This insurance offers protection for you and anyone named on your policy from a claim filed by a client due to an injury because of your training. Say, for example, you have assigned a workout program to a client that calls for one mile of jogging or walking each day. That person suffers an injury whilst carrying out your assignment. That client can file a claim against you and your business because of the injury. If you don't carry Personal Trainer Professional Liability Insurance, you have no protection at all, and the claim and legal expenses involved could add up to thousands of pounds or even cause you to lose your business. With this insurance, you will likely be defended in court by your insurance company, and the insurance company will also likely pay for all damages and legal fees. If you work for a gym, it is imperative to find out if you are protected by their insurance cover. If you're not, ask them what you need in the way of insurance to protect yourself. By shopping around for Personal Trainer Professional Liability Insurance on the Internet, you will find packages that should suit your needs.
Public Liability Insurance
If someone other than a client is injured or suffers damage to their property that is caused by your business, Public Liability Insurance will likely pay for that person's loss of earnings, loss of earnings in the future, and any damages that are awarded to the claimant, as well as likely cover legal fees for both you and the claimant should you be found at fault. Public Liability Insurance will also usually cover any incidents that take place outside of your business premises. As an example, a person is visiting your business and trips over exercise equipment or slips on a mat and you could be facing a substantial claim! In many cases Public Liability is offered as part of an insurance packages that also includes Professional Liability. Many insurance companies will offer at least £2m for compensation to a person due to an injury to damages to their property, which was caused by you or your business. Consider what level of cover you feel you may need and then look for options via the Internet.
Product Liability Insurance
This insurance will likely cover you and your business in the event that something you sell or supply is defective and causes an injury - let us say you have a treadmill that is brand new, but because of an unknown defect, it injures a client. That client can file a claim that you will likely be liable for.
Employers' Liability Insurance
If you employ anyone, this insurance is
mandatory in the United Kingdom. You are responsible for anyone working
for you, whether part-time or full-time, freelance or contracted, or
students or volunteers whilst they are working for you. Should they
suffer an injury or become ill, they will likely try to claim
compensation if they feel you are at fault. With Employers' Liability
Insurance, the claim will probably be handled by your insurer, as well
as legal expenses incurred which would be just as well; these claims are
very difficult to defend since you would be considered at fault if
health and safety rules were not only in place but were also working
100%! This insurance is compulsory under the Employers' Liability Act of
1969. It is recommended that an employer have at least £5m of cover, and
many personal trainers will opt for £10m. You will also need a
certificate of Employers' Liability Insurance that gives details as to
the level of cover you have, the name of your business, etc. This
certificate must be displayed in a place where all employees can read it
and for inspectors who may visit your business. If you don't have
Employers' Liability, you will be fined for each day you go without, and
the fines are quite high.
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