Fitness and training instructors provide a valuable service to their clients — but they’re also in a vulnerable position. Because instructors work directly with individuals on a physical level, the risk of injury is high. And injured clients sometimes blame instructors for an accident, even if they performed their duties professionally and took the necessary safety precautions. The result can be a costly lawsuit that wipes out instructors’ assets and harms their business.
As a professional insurance agent or broker, your job is to protect your clients’ interests by providing appropriate liability insurance coverage. A custom liability plan offers protection up to the policy’s limits if an injured third party decides to sue the policyholder. It also covers legal defense expenses as the case moves through the litigation process.
Prime Insurance Company can provide liability protection for any independent fitness or training instructor from potential liability claims as a result of an accident caused by their work. As a producer, you can work with us to provide comprehensive coverage for your clients to protect their financial assets and livelihood.
Most homeowners insurance policies do not provide sufficient coverage for accidents causing physical injury, damage of another person’s property, or professional negligence. A simple umbrella insurance policy with professional liability is full of limits and exclusions that leave policyholders exposed. Prime Insurance Company offers a custom plan to cover any exclusions in the underlying policy.
Clients with pre-existing injuries or who ignore exercise advice may blame the trainer
970,000 weight training injuries were treated in US hospitals between 1990 and 2007
Looking for the best personal trainer insurance provider? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a healthy relationship.
Accidents do happen and unfortunately, we live in a sue-happy society. Personal trainers can be sued for negligence in many different ways such as pushing their clients too hard or not spotting them. If your client doesn’t have adequate coverage, they can be the next victim of a personal trainer lawsuit.
A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient personal trainer liability insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.
In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by you and your client’s side when a claim or lawsuit is filed against the insured.
Personal fitness trainers have a lot to worry about when working with a client. They need to understand who they are training and what their capabilities are. If there aren’t careful, they can be sued for negligence.
Some of these liability risks include:
Fitness instructors sometimes have a hard time obtaining coverage in the standard market — many providers don’t want the extra exposure. At Prime, we offer essential liability protection. We’re willing to help policyholders who have been canceled, nonrenewed, or declined elsewhere. We also work with fitness instructors who have an adverse claims history. We can even cover gaps and exclusions in existing plans.
Our commitment to service sets Prime apart from the other personal trainer insurance providers. Our flexible underwriting methodology enables us to offer creative coverage options to high-risk clients. We also give policyholders access to a 24/7 claims hotline so they can report an incident promptly. Our claims settlement process is fast and professional, enabling the insured to get the quick results they need and deserve. Risk management services are also available to help fitness instructors find ways to minimize their liability exposure.
Working with Prime offers a host of business advantages for producers, including:
Policyholders and producers want to have confidence that their insurance provider will be there in their time of need. Prime has achieved an “A” (Excellent) rating from AM Best, a New Jersey-based credit rating agency serving the U.S. and global insurance industry for more than a century.
Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc. The most current Financial Stability Rating® must be verified by visiting www.demotech.com.
We have an outstanding track record for timely claims payments and a solid reputation throughout the industry.
Applying for fitness instructor liability coverage shouldn’t be a long, drawn-out process. We’ve provided a simple online application form you can help your client fill out and submit. Our underwriting team will review the information and any supporting documentation and schedule a time to discuss the risk by telephone. We’ll then issue a quick quote for approval.