Malpractice Insurance For Health & Wellness Professionals
What is professional liability insurance for fitness professionals?
Liability insurance isn’t only for medical professionals. In these litigious times, certified personal trainers are encouraged to carry professional liability insurance (or malpractice insurance) to safeguard their personal training businesses, as well. If a client files a complaint or lawsuit, fitness professional insurance provides unlimited defense coverage to protect your career and assets.
Why take out your own fitness insurance policy (even if you’re a W-2)?
As a certified personal trainer, you know your job is unique. You’ve worked hard to turn your lifestyle into a career, and unlike a desk job, this line of work comes with a particular set of potential liability exposures.
Let’s look at a common example. A client of yours may be learning how to properly use a new piece of equipment under your supervision but fails to follow your direction and hurts himself. They may potentially sue you, and whether their claim has merit or not, fitness insurance for certified trainers will provide unlimited legal defense and pay and any amount the court awards to your client up to the limits of your policy.
Here’s why having your own coverage is important. Your facility’s insurance policy may provide coverage, but if multiple employees are named in a lawsuit, the policy defense costs will be shared among everyone named, potentially leaving you without the necessary coverage to pay your attorney fees.
Secondly, if you are an independent contractor at a facility, you may not even be included on their policy. While it’s common for W-2 employees to be covered under the group policy, contractors should not assume coverage. Getting your own individual fitness insurance is easy.
- Occurrence form (lifetime) coverage
- A++ rated carrier for Financial Stability by A.M. Best Co.
- Portable coverage – follows your certification
- Optional General Liability (slip and fall) Coverage
- Premises Liability Coverage
- Personal Injury Liability Coverage
- Sexual Misconduct Expense Coverage
- Loss of Earnings Coverage
- HIPAA Proceedings Coverage
The CPH Way
What Makes Us Different
Because our business is specialized, we are able to focus on your liability needs in a way that bigger companies are not. Our team of associates represent over 50 years of collective experience in this field, and we are able to serve a large client base while maintaining a small-office approach.