If you are currently working as a personal fitness consultant, or you are ready to get started on a new career journey, you are probably well aware of the positive difference your fitness skills can make for people who are interested in improving their health, strength and longevity. Whether you work out of a studio in a commercial space or your own home, or you travel to meet your clients where they feel most comfortable, you have the ability to help people change their lives for the better. However, working directly with clients and advising them on topics such as fitness and nutrition leaves you open to a wide range of legal risks that could affect your ability to keep your business operating.
With the right personal trainer insurance policy, you can breathe easy knowing you are protected against having to pay out of pocket for legal fees, medical expenses, equipment replacement and dozens of other unexpected costs. Your insurance company will stand behind you should you experience a financial loss due to an accident, negligence or other factors.
Ontario personal training insurance is essentially a package of coverages that is designed to protect your fitness training business from the consequences of damage, injury, malpractice and more. Without the right personal training insurance coverage, you could be forced to pay out of pocket to replace your equipment in the event of a fire, or to cover legal fees and expenses for medical care if a client injures themselves while following your fitness advice. Those types of costs can be absolutely devastating to a business and can even put an end to your career if you're not backed up by a solid personal trainer insurance policy. When you work with an expert Morison Insurance broker to get the best coverage possible, you can sleep soundly at night knowing you are protected against whatever comes your way over the course of your professional life.
Whether you are a freelance, mobile personal trainer who visits clients at their homes or meets them at various parks or gyms, or you have a permanent base at a gym or studio, you need the right Ontario personal trainer insurance coverage. Fitness instructors who lead classes also need coverage that is quite similar to personal trainers. Each policy will vary depending on your unique needs, and the experienced brokers at Morison Insurance will find the perfect combination to make sure you are fully covered. Personal trainer insurance is necessary for those who work in professions such as:
What exactly is covered by your personal trainer insurance policy is going to depend on what you need to be properly protected against any risk you are likely to encounter. That varies according to the details of how you choose to operate your business. Navigating the ins and outs of building the best insurance package with the right liability coverages for you can be confusing, especially if you don't happen to be an insurance expert. Count on the reliable team at Morison Insurance—your wellbeing matters to us, and we'll work tirelessly to make sure you have exactly the coverage you need, no more and no less. Here are some of the types of personal trainer insurance that you may need on your policy.
This is a basic building block of your personal trainer insurance policy that covers legal fees and settlement costs, should you be successfully sued for claims that are related to personal harm, third-party bodily injury or property damage. If something is damaged and needs to be repaired or replaced, or someone is injured during a personal training session, general liability insurance gives coverage for liability claims. For example, you could be setting up your equipment and accidentally bump into a china cabinet full of delicate valuables, sending it crashing to the floor. Or, your client could trip over a piece of equipment you left on the floor and suffer a physical injury that requires medical expense payments and other accident-related expenses. If a legal claim is made, you can avoid having to pay those costs and have your insurance company take care of it on your behalf.
Also referred to as errors and omissions insurance, a professional liability insurance policy offers coverage against claims made by clients who allege they have suffered financial losses that stem from professional negligence, bad advice, misconduct, failure to deliver a promised service or breach of contract with your personal training services. Examples of this would be if you promised certain results to a client, such as losing a certain amount of weight in a specified timeframe, and they followed your instructions but didn't get the results you said they would. Or, maybe your client had an old injury that you were aware of and you pushed them too hard during training, causing them to reinjure themselves. Those types of situations can lead to allegations of negligence or bad advice that will land you in legal hot water and could result in expensive charges if proven in court. Professional liability insurance coverage means you don't have to pay those charges yourself and will be able to recover from the setback so you can keep your business in operation.
If you operate out of a studio or gym that you own, you need business property insurance. This is really important because it protects your business against loss of income resulting from an insured event such as fire or theft. You can't do your job properly without your training equipment or a location to work at, so serious damage caused by fire or other potential disasters, or business equipment that is lost to theft, can have a huge impact on your ability to generate income. You need to be able to get back on your feet quickly, but you probably don't have enough funds lying around to purchase brand-new exercise equipment or restore a fire-ravaged building. That's where your commercial property insurance comes in. It gives you the financial protection necessary to replace damaged or stolen equipment and get your commercial space back in working order so you can get back to doing what you do best.
Pro Tip: It's worth noting that if you operate solely out of a studio in your home and your business is registered to your home address, you do need home-based business insurance. A home insurance policy will not cover you in the event of a disaster or theft related to your business equipment.
In today's world, storing or transmitting sensitive information online is pretty much unavoidable. It's a lot more convenient than a file cabinet, but it also leaves many business owners, including personal trainers, vulnerable to cyber crime. If you need to keep information such as credit card numbers on file, you could be targeted by a cyber criminal who will steal that information and hold it for ransom, or use it fraudulently. Needless to say, that leaves you open to serious liability problems if you don't have commercial cyber insurance to back you up. Cyber crime insurance covers expenses related to cyber breaches, ransomed information and fixing damaged security networks.
If you manufacture, distribute or sell a product as part of your personal training services, it's very important to get product liability insurance to protect against bodily injury or property damage caused by the product in question. This type of insurance covers or could apply to nutritional products, wearable technology or training equipment and covers the cost of damages for issues such as defects in design, marketing or manufacturing, along with other problems such as incorrect labelling.
Over the past few years, the demand for online classes and training sessions that are conducted digitally have skyrocketed. Many people can't or don't want to meet in person and prefer to communicate through a screen. That's understandable, but it can also pose unique challenges and risks to a personal trainer. It's much more difficult to correct a client's form or ensure they are using the correct techniques when you can only see them from one angle. In most cases, online training sessions will be covered under your personal trainer insurance policy as part of commercial general liability. However, it's important to make sure your broker is aware that you participate in online training so they can ensure you are fully covered. Also, personal trainers should be aware that many insurance companies make a distinction between sessions that occur over a video call and pre-recorded sessions where the trainer is not physically or digitally present when the client performs the exercises.
It's not uncommon for fitness professionals to travel to their client's homes, or meet them at another location such as a park or the local health club. Whether or not you are covered at any location where you might choose to do personal training work depends on your policy. If it only covers you in-studio, then your coverage won't apply at other locations. But if you have mobile coverage or a combination that includes mobile work, then you can rest assured that you will be protected by your insurance company. That's why it's important to be clear and thorough when speaking with your broker about everything your business operation entails.
It's understandable that you want to know the price of personal trainer insurance right now, so you can work it into your budget. However, your policy costs are going to vary widely depending on the kinds of coverages you need and want to have included. It's important to get the best, most comprehensive coverage available so you are fully protected against a wide range of risks. The factors that will influence your insurance premiums include:
The best way to find out more about how much you can expect to pay for Ontario personal trainer insurance is to chat with a friendly Morison Insurance broker and give them some information on your unique business operation so they can hunt down the ideal coverage combination at competitive rates and make sure you have an adequate level of protection against liability issues and lawsuits.
You can get a quote and get started on the process of building a robust personal training insurance policy by calling the expert brokers at Morison Insurance. As a family-owned and operated business, we understand the importance of building long-term relationships with our clients and treating every last client like they're a member of our family too. You can trust us to work hard on your behalf to find the best combination of coverages for your personal trainer insurance policy, and to deliver the highest standards of customer service. Contact us via the form below for an online quote, or give us a call today at 1-800-463-8074 to speak directly with a qualified insurance broker.