I'm a Personal Trainer.About How much would it cost me monthly to buy liability insurance ???

Question

I subcontract at a club. The owner wants me to sign a contract that states that i will get liability insurance for a million. Does anyone know if a million is accurate or too high??? I'm a single mom i may not be able to afford a policy that high even though i know it's for my protection. I thought a hundred thousand was enough. Argh! please help.

Answer 1

Firstly when it comes to protecting your liability exposure the rule is: get the highest limit you can afford. Improper instruction or negligence on your part can lead to serious injury considering the activity you are involved in. Imagine if a cardiologist injures themself while under your instruction such that they can never perform another surgery again. Do you still think $100,000 is sufficient?

As for how much would it cost you do not provide enough information to even hazard a guess. Where do live? Do you do any group exercises or just one on one? Do you get your clients to sign Waivers of Liability? What certifications do you have? What is your formal physical education? Do you offer any rehabilitation services? Do you do any pre/post natal classes? Are all your classes/sessions indoors or are there any outdoor activities? What sort of activities do you do with your clients? The best route is to call an independent insurance broker and ask them for a quote, however be prepared to answer the above questions.

Answer 2

Check out http://www.insureyourclub.com/personal/ for a great program for liability insurance for personal trainers.  This is a cost-effective way to satisfy the club's liability insurance requirements with a reputable company providing your coverage.  Even though I don't sell this product myself, I have referred clients to this program in the past.