Personal trainer helping young woman lift weights while working out in a gym
You might be working in a gym right now or it could be that you are just starting out as a personal trainer? Whatever the case, if you wish to practice as a personal trainer on an individual basis, as a business even, you need personal training insurance.
Why? Because if something goes wrong in one of your sessions, you could be held liable for any injuries your client suffers. Being held liable for some injuries may cost a fortune!
In this short guide, we’ll let you know all the personal training insurance dos and don’ts. So let’s get to it!
Get the Right Training
First and foremost, before you venture out looking for personal trainer insurance, you need to ensure you have the proper training. Another way to look at it is could you defend well if there was an unfortunate incident with a client?
You can ask yourself questions such as:
- Do you have adequate certification?
- How do you screen your clients?
- Do you ensure clients sign a consent form?
- Do you offer relevant instructions to clients depending on age and other similar factors?
If you answered yes to the questions above, you’re on the right pathway to getting some form of CPT insurance.
Get Your Paperwork in Order
Having the proper paperwork in order is crucial if you want to reduce the risks of being held liable. Even if you have excellent insurance, if you failed to run things professionally, you might run into serious problems.
Your paperwork should contain these four aspects at a minimum to keep your risks down:
- An assumption of risk and waiver/release form
- Up-to-date client records of their progress and any issues
- A physical clearance and consent form
- A fitness assessment form
If you feel confident that you can do all of the things above, you should be ready to get some form of personal trainer liability insurance. You may also want to try and find the best business insurance policy for your needs if you are setting up a business.
What You Shouldn’t Do
It may be tempting to start a small personal trainer business without having insurance. After all, if you have little money and only one or two clients, then personal training insurance costs can seem quite high.
However, if you choose not to take out insurance and something goes terribly wrong, you could be stuck with huge bills for years to come. The best advice we can give you is to be 100% professional from the start.
It may take a little more time to get all your paperwork in order and the right insurance. Yet, by covering yourself, you’ll be able to focus on the career path you love with confidence.
Get Personal Training Insurance
Now you know how to prep yourself before you even think about getting personal training insurance. Your professionalism comes first, and the insurance is there to back up all your efforts if you need it.
Many thanks for stopping by and reading through this post. If you find it useful, why not check out some other helpful info on our blog?