Group Fitness Instructor Liability Insurance

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Many people rarely consider the need for professional group fitness instructor liability insurance. However, it is understandable that in our litigious society care must be taken to ensure that those who choose to earn their living as a fitness instructor are protected from legal harm, whether the fee is warranted or not. . Most insurance companies will cover actual fitness facilities as well as their employees up to a certain limit and under certain conditions; However this may only be the lowest possible coverage with certain exclusions and conditions. If you are an independent fitness instructor, or working full time for a fitness facility, it is important that you consider protecting yourself with a group fitness instructor liability insurance policy.

What is Group Fitness Instructor Liability Insurance?

Group fitness instructor liability insurance protects physical fitness instructors against damages or legal actions incurred by claimants as a result of the instructor’s training duties.

Common reasons for litigation against trainers include:

o muscle injuries

o joint injuries

o back injuries

o broken bones

o broken bones

Most group fitness instructor liability insurance policies will cover common causes or perils that may occur during training and result in damages as noted above. Common claims include:

o Injuries resulting from poor supervision

o Injuries resulting from poor training techniques and education

o Injuries as a result of overtraining

o Injuries resulting from lack of adequate stretching or cool down periods

People can also claim for mental damage, stress or humiliation. For this reason it is extremely important that your group fitness instructor liability insurance policy provides you with the most specific and comprehensive coverage possible. While some endorsements (additional coverage) may add to the total premium you pay each year, it will be worth it in the end. Too many frivolous lawsuits have been decided in favor of the plaintiff to warrant gambling with your coverage amount and limits.

coverage limits

For coverage limits, most insurance companies will offer a basic policy with aggregate limits of $500,000, $1,000,000 or $2,000,000. They may also have a per occurrence limit which is much less than the total policy limit. It is important to understand this difference because if your policy has a limit of $1,000,000 but your per occurrence limit is only $100,000, it means that you are responsible for paying any amount owed to the other party in excess of the $100,000 limit. For example, if the judgment against you is $150,000 and the per-incident limit is $100,000, you will be responsible for paying the remaining $50,000 out of pocket. If you don’t have $50,000 in cash or savings available right away to pay, wage garnishment and even asset liquidation can happen.

conclusion

When considering a group fitness instructor liability insurance policy, remember that it is always best to be overinsured and not needed than to be underinsured and end up with a huge debt that you will have to pay for the rest of your life have to pay.

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