About Sports Fitness Insurance

Fitness trainers need sports and fitness insurance to protect them against lawsuits.

Fitness trainers and club owners need to carry liability insurance to make sure they are covered should an injury or accident happen. Sports and fitness insurance provides this protection. Trainers spend a lot of time with their clients both in clubs or in a client's home. An injury or damage to the client's home can end in a lawsuit. Sports and fitness insurance provides the coverage trainers and club owners need to do their job.

Sports Fitness Insurance

While it would be nice to be able to purchase an insurance policy that covers your future fitness, this type of insurance provides coverage to fitness clubs and individual trainers. Fitness club owners and personal trainers are often at risk of lawsuits from due to injuries incurred by their clients. Fitness insurance provides liability and property coverage for the insured. Fitness insurance is a very specialized industry and there are only a handful of insurance companies that provide this type of coverage.

Types of Fitness Insurance

Fitness insurance can be purchased as a product for individual trainers or as general business coverage for club owners. The policies can be customized for an individual trainer's needs and careers. Examples of available coverage for individuals would be: yoga instructors, group fitness instructors, Pilates instructors, dance instructors, martial art coaches and even life coach insurance.

Fitness Insurance Coverage

These insurance polices provide liability insurance for a number of different issues. Liability coverage for things such as bodily injury due to services provided, personal injury liability provides protection from lawsuits due to slander, libel or invasion of privacy. Sexual abuse liability covers an instructor if he is accused of sexually abusing a client. Product liability provides coverage against injury due to faulty products or equipment. Coverage limits vary but can be adjusted by the insured, but the higher the coverage limits, the higher the premiums.

Fitness Insurance for Clubs

Fitness insurance for clubs provides the same type of liability coverage offered to individual trainers, with additional coverage for property damage. The majority of these policies cover all employees of the club, so individual insurance is not necessary if they are working as an employee of the club. Coverage against trips, falls or bodily injury due to equipment malfunctions is included in most policies. Property damage insurance provides coverage for equipment damage.

Club Affiliations

Many fitness club chains have a preferred provider that has worked out insurance policies that meet the specific needs of the club. Curves, a fitness franchise created specifically for women, would be a good example. Curves has an affiliation with Sports and Fitness Insurance Corporation. The company provides an insurance program tailored to the needs of Curves owners. These programs will often include customer service and claims reps who specialize in dealing with Curves insurance issues.

References

• Idea Fit