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What Is Professional Liability Insurance Coverage?
Professional liability insurance protects businesses when employees make mistakes in the professional services they’ve provided to customers or clients. This coverage is also known as errors and omissions insurance (E&O). Even if you’re an expert in your business, mistakes happen. And if your client or customer thinks a mistake in your professional services caused a financial loss, they can sue you.
Professional Liability Insurance for Personal Trainers, Fitness Instructors and More
Professional liability insurance for personal trainers and other fitness professionals is designed to protect your business from claims of:
- Negligence
- Misrepresentation
- Inaccurate advice
This means that professional liability insurance, also known as errors and omissions or professional indemnity insurance, can help cover the fitness professionals you employ if they make mistakes on the job. For example, if your personal trainer gives advice during their fitness classes and it causes an injury to a client, professional indemnity insurance for fitness instructors can help cover your legal costs.
To learn more about professional liability insurance for fitness professionals and why it should be an important part of your insurance program, get a quote today. We can help you get the right fitness insurance policies at affordable prices. Our specialists can also make sure any additional insureds are included on your policy.
Who Needs Fitness Liability Insurance?
Your business should consider a general liability and professional liability insurance policy if you employ fitness professionals like:
- Health and wellness coaches
- Pilates instructors
- Personal trainers
- Yoga instructors
Remember, general liability insurance can help cover stolen equipment if thieves break into your business or if someone else gets hurt on your property. But if there’s a claim that you made a mistake in your professional services, it won’t help you. That’s why professional liability insurance is important.
We can also provide certificates of insurance for your policies. Many small businesses have client’s that require these before working together.
What Does Insurance for Fitness Instructors Cover?
Personal trainer insurance coverage can help cover errors and omissions in your professional services. Some scenarios it can help cover in your personal training or fitness business include your:
- Pilates instructor pushing a client to stretch too far, resulting in an injury. After seeing a doctor, your client sues your small business to cover their medical expenses.
- Personal trainers having a client lift weights that were too heavy in a training session, resulting in a pulled muscle. Afterwards, they file a claim against your business.
- Health and wellness coach recommending a product that included an allergen for a client. They end up having a reaction and suing your business.
Getting the right personal training insurance can give you peace of mind, knowing that your staff is covered for any mistakes in the services they provide. Without it, you’ll have to pay for claims out of pocket.
To learn more about personal trainers liability insurance for yoga teachers, Pilates instructors, personal trainers and other fitness experts, obtener una cotización hoy mismo.
How Much Does Personal Trainer Liability Insurance Cost?
Small business owners typically spend a few hundred to a couple thousand dollars each year on professional liability insurance. However, professional liability insurance costs are different for every business depending on the professional services you offer. Some factors that impact how much you’ll have to pay include your:
- Lugar
- Límites de la cobertura
- Monto deducible
- Number of employees
- Years in business
- Claims history
Learn More About Liability Insurance for Fitness Professionals
While professional liability insurance helps cover you from claims of errors and omissions, it doesn’t help cover claims of:
- Lesiones corporales
- Property damages
- False advertising
- Data breaches
To get coverage for additional risks like these, you’ll need business insurance coverages like:
- Workers’ compensation insurance
- General liability insurance
- Commercial property insurance
- Cyber insurance
Still not sure what type of fitness instructor insurance you need to protect your business? We can help make sure you have the right insurance to protect your company at the right price. We’re an insurance company that’s been helping small businesses like yours get the insurance plans they need for over 200 years. Obtenga una cotización hoy.
Última actualización: 23 de septiembre de 2022