Most people don’t know but fitness instructor insurance is a sports insurance that protects a personal trainer from the risks of liabilities when their client is injured during the personal training session. This also protects the trainer from the loss of money on the liabilities when a client damages any equipment in the club, during the training session. However, there are many things one should understand while selecting personal trainer insurance. It is because many factors affect the policy claims, like the type of training or place of training. Some policy schemes require the trainer to have membership in some associations or organizations. Trainers without these memberships are not fully covered. The type of training imparted is another factor that affects the coverage. Certain type of training is covered while others are not.
The trainer must ensure that the training done by him is included in the policy. This is very important as different schemes provide coverage to different types of training like martial arts, weight training, aerobics, dancing, etc. Place of training is another important actor that affects the personal trainer insurance protection. For example, certain policies provide coverage for accidents happening inside the gymnasium but not for those happening outside while training. So the trainer is liable to pay for training accidents happening outside the training centre. Furthermore, the client has the right to sue him for many types of losses like hospital expenses, legal expenses, wage loss and even loss of dignity. So the trainer should understand the types of losses for which he is protected before joining the policy.