Liability insurance is a must for any personal trainer. Whether you’re new trainer or an experienced professional liability insurance is one of the best ways to protect yourself from a litigation. But just what should you look for when purchasing liability insurance? In this article, I’ll discuss the do’s and don’t you should look for when buying personal trainer insurance.

What is the average cost for personal training insurance?

Rates vary from state to state. However, you can find general rates by visiting your states insurance department. Simply go to Google and type “liability insurance rates your state.” Remember that cost is not the only thing you should look for when buying insurance. Check out different policies and see which ones protect you the most.

Where can I find liability insurance for personal trainers?
The Internet is a great place to start. Many web-based companies offer some basic form of coverage. IDEA, a trusted fitness industry group, offers personal training insurance for most trainers. Start by calling five different organizations and compare the coverage and price.

What happens if I get sued?
If you are not covered by personal trainer liability insurance you better be prepared to defend yourself in court. However, if you do have coverage, the company will usually defend you in court.

What if I have waivers, do I still need insurance for personal trainers?
The sad truth is that waivers don’t really protect you from litigation. Often times, waivers are written by amateurs that don’t have the correct legal terminology in place. Waivers also vary from state to state and leave many loopholes open for a trainer to get sued. While, a waiver is a good document to have in place, I still recommend a solid liability protection plan in place for maximum coverage.

So there you have it, a basic run down of things you must know when buying personal trainer insurance. Make sure to do your homework and compare different companies before you commit to buying a plan. Once you’re covered, you’ll be able to focus more on your business and less on legal issues.