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IS IT mandatory to have insurance?

by Nece
(douglasville, ga, us)

is it mandatory to have personal trainer insurance and how much?

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Who would stop you if you don't have Insurance???
by: Anonymous

No, it is not mandatory to have insurance. If you are acting independently & taking cash/check from clients then you can do whatever you want. The gods won't strike you down with lightning if you are training a client & you don't have insurance.

That being said, insurance is 1 of the most important things you can have if you are starting you own PT business. 1 lawsuit against you without insurance most likely will throw you into a huge amount of debt that you might not be likely to recover from. Insurance can be purchased for as little as $180/year. If you charge an industry standard $50/session, thats LESS THAN 4 SESSIONS!!! If you are training as a means to an income then you should be training at least 10 sessions/week to expect to make any kind of income worth living. At the rates for PT, you would be moronic not to pay $180/year to cover yourself.

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Why is insurance NEEDED?

by Bruce
(Phoenix, AZ)

I am about to start my own PT business. I am certified, I have flyers, business cards, etc. ready to go. In my arsinal of introductory paperwork I have the trainee liability form, which I will obviously be having filled out by everyone I train. With that being said, why doesn't this form absolve a trainer from needing the insurance, as the trainee is signing a liability WAIVER?

I'm not opposed to the insurance, and I'm not trying to skip a step in the process,I would just like to know why it's necessary even with a signed liability form. Starting out, most of us don't have the funds, so knowing where/why all funds are being allocated just seems smart..... Thank you for any help/tips/info ya'll can give!

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Paper won't protect you
by: Bill Ranieri

Hi Bruce,
If the provider, owner, trainer...whatever the title is, is negligent then even the best liability form won't help. It's kind of a first line of defense against claims against you but a piece of paper will not provide the necessary protection. Only safe procedures, premises and methods will manage that. Even still, that won't stop claims. But it will definitely help your defense. Insurance captures the rest.
Bill
321-626-9031
www.roimarketingcoach.com

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Why you need to be Insured!
by: Anonymous

When a Liability Waiver is thrown out of court (and it does), and you are sued, what protection will you be left with? None. Then again, if you have loads of $$$ to pay out the potential claim, court fees, etc, then you don’t need to be insured.

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no liability insurance and starting to work with clients as an unqualified personal trainer

I am currently training to be a certified personal fitness trainer and am starting some fitness sessions with a group of 3.
I will ask them to complete a par-q form to assess if they are fit for exercise but i do not hold any liability insurance at present or a cpr certificate.

I have made the clients aware of this stating that any exercise they participate in will be at their own risk. However i cam considering asking the clients to sign something to cover myself? Is there a form i can use with them to ensure i am not liable for any injury or accident?
Any advice would be appreciated.
Thank you.

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PT without certification or insurance
by: Deb

Don't even think about operating a PT business without the proper certifications OR insurance. Would you want your pharmacist to be a person who just has an enthusiasm for it, but no creds or insurance?? Probably not. You place both yourself and your clients at tremendous risk, physical and financial, if you do not put the right tools ,in place. Shortcuts ultimately cost you big time.

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Actually
by: Anonymous

Since a PT is a physio therapist, you're already wrong. You should know this. Personal Trainer is not a controlled term. The Certification is useless and does not provide you any useful skillsets. My guess is that you are a horrible trainer.

The benefit of getting a cert is the insurance. At 100 a year that's cheap. Or 200. Get the cert to get the insurance. But make sure you know what you're doing, because no personal trainer cert will make sure you have that knowledge.

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Training a friend in a public park, first and only client so far

by Nicole
(Los Angeles, CA)

Hi everybody,

I am the proud new owner of an NSCA certificate and CPR/AED certification. I'm close to getting a job at a big-box gym just to gain valuable experience, but I have a friend who would like me to train them. I don't want to ask them to pay for a membership AND my services at the gym I'm going to work at in the future, and I already looked into one-on-one training at a public park in Los Angeles (according to the park ranger, there's nothing they can really do about it), so that's all good.

I was wondering what kind of insurance, if any, I would need for this sort of operation. I have one other friend who expressed interest, but seeing as I still need experience and will (hopefully) have a full-time job soon, this operation isn't going to go beyond that for quite a while.

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Does a Personal Trainer Legally Have to Have Insurance?

by Mary
(Dallas, Texas)

I recently started working out with a personal trainer in Texas and he let it slip out that he does not have liability insurance. Is he required to have this in order to be a personal trainer?

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no
by: Anonymous

legally, they do not need insurance. But they would be stupid to train without it. And as a client, you would be stupid to train with them. If you get injured who would pay the bills for you with insurance? Don't get stuck.

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personal trainer insurance
by: Storm

Yes, your trainer is required to have insurance. It is not that expensive.
He should be glad he has a client like you that would ask instead of drop him.
At the end of yourself - love of self is above helping another person where you could possibly be hurt.
Encourage your trainer to get insurance and then you will continue with him.

Peace
www.gotbootcamp.com

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