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legal protection 4 in home trainers

by Tom
(Philadelphia)

What kind of insurance so I need to get to train people in their homes and mine?

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liability
by: Anonymous

I'm no expert, but I had good luck going through IDEA. You might be able to get a free 30 IDEA membership, then take advantage of the insurance discount. The Fitness and Wellness policy covers all locations including other facilities. $175-$200 approx. for the year.

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Insurance is NOT legal protection
by: Anonymous

You should distinguish between "legal" protection and insurance. Insurance is just liability insurance. This will cover most accident and injury claims against you.

If a client decides to sue the insurance company will pay for your legal defence upto a certain amount.

Having insurance doesn't mean you are off the hook legally for negligence or sexual harrassment or anything really. It just means you have financial resources to cover such claims.

How to protect yourself?
1. Have insurance
2. Have a strong well worded liabilty waiver
3. Create an LLC or some other business entity that separates YOU from your company.

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BEST INSURANCE QUOTE
by: Anonymous

Hello;

There are several companies which offer PT Liability Insurance Coverage and throughout the years I found that SPORTS & FITNESS INSURANCE CORPORATION are basically the cheapest when taking into consideration things like incidents excluded/not covered, price, amount limits,etc... They DO NOT FORCE YOU TO BE MEMBERS OF ANY MAGAZINE OR ORGANIZATION,which is something the other companies always do and end up charging extra fees for at the end of the process.

Good luck!

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In Home Insurance

I have a question relating in home training. I work at gym and have had a couple people ask me if I could come to their house and work one on one with them. Is it a good idea to get insurance before doing something like this? If so how what kind of insurance should I be looking into?

Thank you,
Dusty

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Insurance is good!
by: Audrey Kerchner

I do all in home training and Yes the insurance is a very good idea. When I go through other companies to get clients most of them require it. Its not very expensive either.

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Reply
by: Dusty

what company do you go through for your insurance?

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Insurance
by: Joel

Nsca offers insurance. like they mentioned all certifications offer insurance, its not that hard

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Generic Comment
by: Habeeb

For starting a personal training business in home please go to the link
http://bestbetinsurance.com


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Personal training in a rented apartment

by Lynda
(Acton MA)

I am am ACE certified personal trainer with my own liability insurance. I live in a rental duplex apartment and train one client at my home. I would like to know what liability the landlord of my apartment has if someone injures themselves on the premises during a training session.

Would my insurance cover this? Would the landlord be held liable?
How can I protect the landlord against lawsuits OR does the landlord's own homeowners insurance cover this?

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insurance
by: Anonymous

I purchased renters insurance on top of my professional liability when I trained someone in my apartment. That is coverage for anything in my space. If you train them outside that space, say ru the stairs, you could run the risk (if there is an injury) of the client suing the landlord and the landlord suing you for putting him in a precarious situation.

I would check with an attorney to be sure.

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Licenced Insurance Professional
by: Corey

Hi- I am a Licenced Insurance Professional, I have been selling insurance for over 3 years, (I know that is not a long time in the "working world", but to answer this question.

Liability insurance does come with your renter's insurance, usually 100K is included with no additional premium, $1,000,000 can run you about $90 for the whole year. The Landlord's policy is to cover their butt in case of being sued - BUT - if any personal lines (Renter's, Homeowner's, Landlord) carrier (personal lines is where you get renters, ect. Comerical Lines is where you would have business coverage), if your personal lines carrier finds out you were being paid to perform this "service" in yoru home, and you wern't just working out with a friend - if you are training for pay, the claim would be denyed through the carrier and you will be responsible for the loss. In fact if you let them know you are running a business, or almost any kind where people are coming to your home often, like piano lessions or yoga teachers, you can be turned down for insurance.

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finding the correct professional liability insurance


(new jersey)

I am interested in starting in-home personal training. I have been reviewing policies trying to understand all areas that need to be covered and it is getting complex. Further I would like insurance that will include coverage for allegations dealing with sexual harassment. I have read about this being a problem when it is just the trainer and client in a room.
Are there any carriers you would recommend?

Thanks!

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Liability Insurance
by: Anonymous

Liability insurance is pretty much the same for all carriers.

Personal Trainer liability insurance is the same as any other personal or business liability insurance. You may have this on your home or apartment currently. However, doing a google search will list 3 or 4 companies that "Specialize" in personal trainer insurance. Meaning that they recognize the risks and underwrite accordingly - usually at a lower rate than say State Farm.

So really the questions are
1. How much do I need?
2. How do I protect myself against sexual harrassment?
3. Where to get it?

How much? - min 500K per claim.

Sexual Harrassment - Any claim that comes against you should be covered under your liability insurance, however each state may have different rules check with the company you go with to ensure they cover that type of claim. You should also have a clause in your waiver that covers sexual harrassment and relationships.

Where to get it - compare prices and benefits. Make sure they insure in your state. Other that that it's up to you as the "insurance" is the same.

Lastly you may consider forming a LLC. This removes all professional liability from YOU and puts it on the LLC. Basically they sue the company and not you.

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update my last post
by: Anonymous

PLease note that sexual harrassment in many cases is an exclusion for many policies.

All the more reason for your waiver to contain the above mentioned clause.

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Insurance limits of liablility enough

I just signed up with a liability insurance company that my CPT school recommended. The type of coverage is Commercial General Liability/ Professional Liability. Each occurence Limit $1M, General Aggregat limit $2M. What is confusing me is in the limits of liability, it has Medical Expense Limit (any one person) $1000. I was wondering if you could tell me if I am doing the right thing. I am wanting to do In-Home Personal Training.Is this enough insurance? I will have a waiver for the clients to sign and this insurance. I will be a Sole Proprietorship.

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Insurance

I have a Personal Trainer business that is a LLC. I will be training out of my garage. The only problem is that i'm not the home owner my girlfriend is. I will have personal trainer insurance that will cover my business. My question is that if a accident were to happen while I was training someone and they weren't happy with my insurance would it be possible for them to come back on my girlfriend homeowners since I'm training out of the garage?

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Don't panic
by: Doychin

First-full why(if you haven't done this yet) don't you "rent" the garage from her and claim the rent as a business expense there will be other related expenses as well. Also you probably can add more people/facilities as "insured" in your personal training insurance. But hey... it is USA you never know for what you can get sued and you can never be fully prepared. I am editing my waiver forms every time I think of something that might happen. My advice: use common sense and do your best to prevent accidents. Good luck!

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Personal Training in my home

by Leslie

I would like to start personal training in my home. What kind and how much insurance am I going to need? What is the best company to get it from? Do you think this is too much of a risk?

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Not too risky if protected
by: Anonymous

Any Insurance company can provide you "liability" insurance. Who you go with is up to you.

A google search will bring up 3 or 4 that offer 1,000,000 per claim and 3M per policy period. (year)

All insurance companies provide legal representation and when a claim is made.

The difference is that the companies that advertise "personal trainer insurance" are attempting to specialize in this area and underwrite at a lower price than say State Farm.

You should be sure to have a very well worded Waiver to help protect you from claims.

Lastly you may also want to form an LLC to help with liabilty as well. This will protect YOU and put all liability on the LLC.

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What type of insurance do I need to train clients out of my home? Do I need a business licence?

by Eric
(Vancouver, BC)

I live in Canada and recently became an ACSM certified personal trainer. I have enough equipment at home to train clients.
What type of insurance do I need to train clients out of my home? Do I need a business licence? Does anyone have any experience with this situation?

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What is the process needed to start personal training from home?
by: Anonymous

I live in Australia and am looking to start training my clients from my home garage (rented). What steps do I need to take to make this legal? Do I just need liability insurance? Or are there other steps involved as well. Any input would be much appreciated!

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