Standard fitness insurance policies do not cover injury or damage due to negligence or bad training guidance.
One of our specialties here at Rogue Risk is working with fitness businesses, (fitness studios, gyms, yoga studios, etc) and we often get questions about fitness professional liability insurance from new clients.
To those who’ve never purchased this policy before, professional liability feels is an extra expense or luxury. It is not a luxury, it’s a necessity.
As we explain to new clients if the longevity and sustainability of your business is important, fitness professional liability insurance must be part of your insurance program.
Watch this video (or keep reading) for exactly why this true…
Fitness Professional liability insurance
General liability, the standard insurance policy most of us think about when we think about business insurance only covers bodily injury (slips and falls), property damage and personal and advertising injury.
Fitness Professional Liability Insurance, also known as Errors and Omissions Insurance (sometimes called E&O Insurance), or Malpractice Insurance, insures you against claims (made by clients, customers, etc.) alleging negligence related to the services you provided as a fitness trainer:
- Your client’s injury from improper technique instruction.
- Your client’s injury from a fitness program you recommended for them.
- Your client’s injury from inadequate supervision such as failure to properly spot trainee.
Training is the job and in most cases, injury resulting from your training expertise will NOT be covered under a standard insurance policy.
Legal Defense Against Professional Liability Claims
The value of adding fitness professional liability to your insurance program isn’t simply in the event you actually do something wrong.
When you make claims to be an expert in a field and are compensated for your expertise, you can be held responsible for your work, advice or counsel, and can be liable if an accident occurs or even perceived damage occurs.
Say a client claims “Failure to progress,” with fitness goals due to improper instruction. Many of these types of allegations are groundless but are costly to defend against.
With fitness professional liability insurance, you’ll get the financial protection you need if a claim of negligence is ever made against you. The insurance company helps to defray the costs associated with legal action and will represent your best interests if a lawsuit goes to trial.
There are a host of protective measures that can provide a safety net to help minimize your risk of negligence.
- Maintaining a professional and safe atmosphere conducive to successful training,
- Making timely and accurate documentation of your interactions and training strategies for each client, and,
- Keeping current with national training standards.
The first line of defense is providing a great standard of care.
For everything else, your best defense is Fitness Professional Liability Insurance.
If your current insurance professional has never addressed these issues with you before, then I’d encourage you to reach out to us at Rogue Risk, today.
I hope this article helped you better understand fitness insurance.