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Insurance

I just passed my ACE personal training exam and now I am in search of insurance before I start training. I have researched a few companies on-line, but I am not sure if they are legit. I found one for $136 annualy from Elite Risk Insurance Solutions. Has anyone heard of this company? Any suggestions on better insurance companies?

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Coverage is basically the same
by: Anonymous

Personal Trainer insurance is just general liability. This is sold by all insurance companies. You may have this currently on your apartment or home. $135 could be a legit price but I'd shop around and at least compare coverage. I shopped and found $175-$330 330 has significantly less coverage so price isn't a clear cut indicator for quality.

You should buy extra for yourself (business)

Where to get it? Anywhere, but compare policies. IDEA, and Sadler seem to come up with the google search and are cheaper than say State Farm.
When comparing policies make sure you get the following at a minimum.

1. 500K min per claim (sadler offers 1M)
Most companies will cover legal services as well.
2. They do business in your state
3. Claims are covered in your place of business (in your home, client home, or gym facility)

Items like sexual harrassment are generally not covered and are part of "exclusions"

Lastly insurance is GREAT and a must have but also just as important is a strong well worded waiver. This will help protect you against most things short of gross neglegence. BUT PEOPLE will still try to sue.

Lastly, if you are starting a private training business...not with a gym you may consider creating an LLC. This will protect YOU from liability and put all liability on your LLC (company)
Basically they can't take YOUR home or other personal assests if someone dies and you lose.

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Insurance
by: Anonymous

Elite Risk Insurance is legit, as I recently took out their insurance for $1,000,000 limit and they were very helpful.

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Get insured
by: Anonymous

You can go to TrainerInsure.com and do everything online. They automatically send you the certificate once you make your selections. Company has been around since 1989. Super easy and fast.

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No recommendations, but here are some insurance companies

by Sabrina

You may want to check out Sports and Fitness Insurance Corp at

http://www.sportsfitness.com/

Also if you are ACE, NASM or NCSF certified, I believe you get a discount through

http://www.insureyourclub.com/

Check them out, I am not sure which is the best.

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Certification Providers offer discounted insurance

A word of caution...make sure you carry adequate insurance in case some one gets hurt while under your watch. A good training school or certification provider will provide you with that info, as well as forms and templates for waivers, contracts and nutrition charts.

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Any recommendations for online personal training and nutrition consulting?

by Deana Guidi
(Orlando, FL)

Any recommendations for liability policies that will cover online personal training and nutrition consulting? I am finding plenty of options for one-on-one personal training, however, I have not found a company that will cover web site, email, and telephone communications and nutrition. Any suggestions?

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An idea
by: Abby

You might try contacting WellCoaches or ACSM. Wellcoaches is endorsed by ACSM. So ACSM may be helpful for finding an insurer for both items... They have an online application for professional and general liability. They ask for all your certifications, so that should be helpful. Its Forrest T. Jones and Company, Inc. It does give a number and email for questions. 1866-820-5183 and info@ftj.com

Good Luck!

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Thank you for the insurance recommendation
by: Deana

Thank you for the insurance recommendation. I found a company that covers both, but I will keep you recommendation handy for the future.

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what company?
by: Anonymous

hey Deana,

What company did you go with?

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Insurance company offering trainer insurance
by: Deana

The company is Thomco, Inc. Their phone number is 888-245-9752.

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InsureYourClub.com

by Josh Arden
(San Diegoo)

InsureYourClub.com has discount insurance policies for some certifications, like NASM and ACE and a couple others... It costs 180/yr for $1,000,000.00 in coverage. I didn't really shop around that much bc this seemed like such a good deal. The actual company is Hoffman Insurance Services, Inc.

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can't figure it out...
by: Anonymous

I saw that one, however, I think I read it too fast but I wasn't sure if it was meant for just personal trainers or if it was geared more towards trainers opening up their own club or already have their own club and don't pay dues to train at a private studio. And all I'm looking for is for myself right now. Am I correct in this or am I just way off? Thanks!!

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no thanks
by: Anonymous

the guy who runs this company is NOT friendly. it sounds good on paper but once i talked to the owner i decided immediately that i will not buy insurance from him.

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ACTION Certification is far less
by: Anonymous

Their insurance costs $105 per year for $2 million in liability. You don't need to be certified through ACTION. They take other major certs as well.

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www.TrainerInsurance.com

by Marcia Oliver MSPT CPT
(Bloomington, IN USA)

Marcia Oliver MSPT, CPT

The policy is great... basics... about $180 or less for the year. This is the only company I've found that covers online personal training. You can contact them and ask them yourself just to satisfy your own curiosity! You'll get response in one day!

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thanks for posting this
by: Monica Neave

Hey Marcia

Thanks for posting this. I've been training 1 on 1 clients and samll groups at a private studio (sometimes at a park and in homes) for 6 years now.

I was using Lockton because that's what ISSA recommends but now that my free workouts blog has grown so much I want to start offering online training.

I wasn't even sure anybody covered this even though there's so many other blogs and sites offering online training and lifestyle coaching.

The quote was actually lower than what I was paying with Lockton.

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I wouldn't trust these guys.
by: Anonymous

I've sent several emails and gotten no response.

I've called - the phone number listed is for a different insurance company, they offer to mail information to you, and the voicemail is full and can't receive messages.

I can only imagine the nightmare if you actually had a claim.

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Personal Training Insurance Recommendations

by David Otto
(Illinois)

I am starting my own personal training business mainly doing in home personal training and I was wondering which insurance company I should go with?

Please help. I am so close to starting my business and it is mainly because of your website that got me really into starting my own. Thank you again for all your wonderful work.

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Personal Training Insurance
by: Anonymous

Venbrook personal training Insurance is a great company it insures you where ever you train within the united states.

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insurance
by: Sabrina

Try
http://www.sportsfitness.com/

Also if you are Ace certified, I believe you get a discount through

http://www.insureyourclub.com/

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Check out this page for more insurance recommendations
by: Katie - Admin

Check the page below for more discussions and recommendations about personal training insurance policies.

Insurance Discussions

- Katie

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I like K&K Insurance (www.fitnessinsurance-kk.com
by: Mark

Easy online enrollment. Immediately received my proof of coverage. Very helpful if you have to call them.

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Best Insurance For several reason
by: Chris Scott

I recommend all trainers go with: www.hpso.com

It's insurance for the dr.s and nurses, but trainers are certifiable. Well priced. $105
Also, you can get affordable disability through through them as well.

I have been a personal trainer for 5 years running my own 6 figure personal personal training business with my wife. We recently got out mainly due to the fact that "too many trainers are in it for the money and not for the love of fitness!"
We started a marketing company, but still want to help all trainers who want to succeed.
Offering marketing advice as well as the lessons that I've learned through the years.

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Doesn't make sense
by: Johnson Gallagher

So, YOU got out of the personal training business because you didn't like the reason other people got INTO the business???
Yeah, that makes a whole lot of sense!
And let me see if I got this straight.... You also went INTO marketing? Gee, I'm sure no one gets into marketing for the "wrong reasons".
Not to be unnecessarily critical, but something is not adding up here...

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Insurance through IDEA

by Stacey
(Santa Monica, CA, USA)

I got personal training insurance through IDEA Health & Fitness Association. They have the cheapest insurance in the industry ($170 I think) and use the Fitness & Wellness insurance company. Check it out

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Me Too
by: Anonymous

I got my personal trainer insurance through IDEA as well and am very happy.

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membership required
by: Anonymous

They require you to be a member with them which hikes the cost up quite a bit

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Get on your Gym's Insurance Policy

Find a place to work where you're covered on their business insurance. As a trainer, you can be held liable if things go wrong for a client. Holding your own business insurance (malpractice insurance, really) can be very expensive (although there are some better deals on the Internet now) and you can be held liable for years after your contact with a client. If you're covered by the gym, it'll save you a lot of money and give you more peace of mind. But don't take the gym's word for it, make sure you are covered.

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The biggest thing to consider with choosing

by BMITW
(Dallas)

Personal Trainer liability insurance...is basically the same no matter who you buy if from. It's just liability insurance. You don't have to be certified or a trainer to buy it.

Companies that "specialize" in PTI understand the market and risk and therefore can underwrite at a lower price than say a State Farm or other major provider.

For example: State Farm has a policy for $375 350K/claim.
Sadler has a policy for $175 $1M/claim.

Sadler and others like it understand that 1. you should have a strong well worded waiver. 2. That you should be certified and 3. That you will do your best to stay in control of the situation and not be grossly negligent.

When choosing insurance make sure all your services and potential claims are covered. READ the policy limits and exclusions CAREFULLY before signing up.

For example - accident and injury, location damage, etc...

Many policies have exclusions that you may not think about such as sexual harassment, or if you decide to change from a one on one training method to group training.

Be sure to compare not only price but what's covered and what's not. The lower the premium the less is probably covered.

Lastly ensure the provider provides coverage in your state.

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