Why Does A Personal Trainer Need Public Liability Insurance?

Personal trainers have a lot of responsibilities when helping their clients get in shape or reach their fitness goals. Because of the physical nature of personal training, injuries and accidents can occur.

In some cases, the personal trainer may be held liable for any damages through legal claims or lawsuits. It’s important for personal trainers to understand what insurance policies can help protect them.

What is Public Liability Insurance For Personal Trainers?

Public Liability Insurance for personal trainers is a special type of insurance that protects people and businesses if they cause harm to their clients or other members of the public. When it comes to personal training, there are lots of opportunities for accidents, injuries, and discomfort to occur. Public Liability Insurance also protects against property damage related to the services being provided.

In the event that a client decides to pursue a lawsuit for physical damages, the insurance company will work with you to mitigate and resolve any claims. If payment is awarded by the courts, the insurance may pay the amount awarded plus cover any associated legal fees, up to the holder's limit.

Why Personal Trainers Should Carry Public Liability Insurance

Personal trainers are directly responsible for guiding their clients through rigorous fitness routines and other physical activities. Many of these activities could cause harm to the client. These incidents may be accidental or the result of a simple mistake. Regardless, the trainer could be held accountable if the client experiences an injury or their personal property is damaged.

Some common cases where public liability insurance may help personal trainers include:

• Faulty Gym Equipment - If the client is using a piece of equipment that breaks or wasn’t maintained properly, the trainer could be held responsible for any injuries as a result.
• Dangerous Environments - The client or member of the public could be injured by a dangerous situation that is created by the training session. For example, if someone slips and falls on a floor that was wet from a spilled water bottle or sweat, they could claim that the trainer didn’t take the precautions to clean up the hazard.
• Injury By Another Client - If you are conducting a group training session and one of your students drops a weight on another student’s foot, you could be sued for not teaching the class in an environment that gives everyone enough space to spread out.
• Property Damage - Perhaps you are training someone in their home and a piece of equipment falls over and damages a wall. This would be an example of property damage as a result of the services being provided.

Trainers who work for a gym or other fitness establishment may have coverage included in their terms of employment under the company’s insurance policy. It’s critical to understand what protections you have in place, so be sure to speak to your employer and find out what you're covered for. Since many personal trainers have their own businesses, the insurance coverage will be their own responsibility.

How upcover Can Reduce A Personal Trainer’s Risk Of Liability

For small businesses, any claim or lawsuit can cause serious financial liability and burdens. Without insurance in place, the personal trainer may be responsible for covering the costs themselves. Don’t leave yourself unprotected. Be sure to check out upcover's instant quote generator to get an estimate on market-leading insurance for personal trainers in seconds!