Insurance for CrossFit instructors  

Professional liability insurance is also referred to as errors and omissions (E&O) insurance. This is coverage for claims against businesses that provide professional and personal services. It includes CrossFit and training businesses like yours. Having this type of liability insurance can protect you from lawsuits and other types of risks. Here is an example. 

A CrossFit instructor takes a client who wants to reach a specific weight loss goal before their wedding. The client does one too many high-intensity workouts and it results in multiple stress fractures. Unable to lose the extra weight, they call off the wedding. While it is not the trainer’s fault, the client sues for damages, including hospital bills and the full cost of the wedding. Talk about unfitting behavior. E&O can protect the trainer from the claim of damages and cover the legal costs and attorney fees. 

Commercial General Liability (CGL) is general liability insurance. It protects you from claims by someone else for medical costs, bodily injury, or property damage. You can be sued even if you did not do anything wrong. That is why having the best insurance is imperative. It lets you confidently take the right risks with Hiscox behind you.

Your insurance coverage is beneficial in many ways. Here is an example. A client asks you to train them in their home. They accidentally trip on your equipment and are injured. Unable to walk for several weeks, they cannot work and now need physical therapy. General liability insurance is there to help. It covers the medical costs, hospital bills and even lost wages if you’re found to be at fault.
In another example, a trainer brings their weights to a client’s home. As they’re packing up to leave, the trainer drops one of the weights and it knocks over an antique lamp. The client makes a claim against the trainer for the cost to replace the lamp. General liability insurance is there to protect the trainer and pay the claim. 

Because your reputation is constantly scrutinized, having liability insurance is imperative. It lowers your risks and helps you keep your business safe.

Learn about general liability insurance costs.

A Business Owners Policy (BOP) combines business property insurance and general liability coverage. With a BOP in place, you have coverage for your equipment and your business assets, plus coverage for claims of injury or damage that are brought by others. If a client is injured whether at your facility or elsewhere, you can cover their medical expenses and damages. If your gym must close because severe weather damaged your roof or windows, you have coverage for repairs. Are you expanding your business and opening new locations? Call and ask about the riders, endorsements or additional coverage you may need. Hiscox has the right insurance products to help you confidently grow your business.