As a fitness or training instructor, you are in a rather vulnerable position. The risk of accident as a result of physical injury is highly likely, as your work requires you to work directly with your clients on a physical level. You are therefore more likely to be blamed for a client’s injury, regardless of your professionalism and proper fitness training and instruction. Without the proper coverage, you are exposing yourself to significant personal liability. Prime Insurance Company can provide liability protection for any independent fitness or training instructor from potential liability claims as a result of accident caused by your work.
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 you exposed; Prime Insurance Company offers a custom plan to cover any exclusions in your 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