Essential Small Business Insurance for Personal Trainers

July 30, 2014

Making sure your personal training business is properly insured is important. Read on to learn why.

It’s an exciting time to be a newly-certified personal trainer.  You've put in the time, studied for and passed the personal trainer certification exam and are ready to start changing the lives of clients for the better. While you’re focusing on your clients’ wellness and your small business growth, be sure you don’t suffer from Pollyanna Syndrome.  There are risks associated with running a personal training business, some you can control, but many you can’t.  For those you can’t control there’s small business insurance.  As a personal trainer, your focus will be on the two types of liability insurance: professional liability and general liability.

Professional liability coverage is also known as errors and omissions insurance or E&O and protects your business if you are sued for negligence.  If a client follows your instructions and becomes injured, they may sue you.  Whether the injury is related to your prescribed routine or pure chance, you have to spend the money and time to defend yourself – unless you have professional liability insurance. General liability insurance coverage, also known as commercial general liability insurance, protects your fitness business from third party claims for bodily injury, associated medical cost, and damage to someone else’s property.  You should consider this coverage on the off chance that a client trips over your equipment and sues you. As you begin building your personal training business make sure you’re covered by liability insurance. Protecting the fitness of your business should be a top priority.