More often than not, people tend to misunderstand the risk that personal trainers are exposed to when carrying out their daily business activities. The long-held opinion by most personal trainers has been the erroneous view that insurance is meant for more delicate and complex business services.
In recent times however, more and more people are appreciating the risk of not getting an insurance policy in an increasingly litigious society that we all live in. The risk exposure in reality tends to get greater when it comes to the business of personal trainers and fitness instructors who come in close contact with different people from a different background of the society in the pursuit of strenuous physical activity.
Personal trainer insurance is therefore, a policy that is designed to cover personal trainers from the financial exposure as well as credibility loss that may arise as a result of civil suits from clients who feel trainers have caused them bodily injuries or harm, harassed them sexually or invaded their privacy. This policy will also protect personal trainers from claims that may come from property damage and harm that may be caused to other individuals during business.
The list of claims that a personal trainer is exposed to be almost too numerous to count– just as personal trainers can be sued from unsatisfied clients; they can also be sued by property or facility owners who feel that trainers should bear the cost of settlement being paid to a dissatisfied facility or gym user.
A personal trainer can also be sued by his or her employers for damage caused to their equipment and property. Getting a personal trainer insurance policy is therefore, the best guard against the unlimited risk exposures that are being faced daily by fitness instructors and trainers.