COVID19 & Online Personal Trainer Insurance
COVID19 is disrupting Fitness Professionals and Businesses all over the country like we have never seen before. As industry insurers catering specifically to fitness professionals, we are absolutely devastated and heartbroken for all our clients and friends who are being shut down or severely restricted from trading at this time.
We are working to help our existing clients as best as we can with whatever their needs may be. Increasingly we have received queries about online coaching and online PT insurance.
Gym Insurance HQ has offered coverage for this virtual fitness niche for a number of years and are well experienced to cater to your new virtual training needs.
About Online Fitness Insurance
It’s 2020 and the Internet, live streaming, and video conferencing are operating at full capacity — and along with that online personal training. For a go-getter looking for extra income, becoming an online personal trainer proves to bring it’s comfort, convenience and advantages. As an online PT or Coach, you can train workout routines in the comfort of your own office, home, hotels or even when on vacation.
While productive and convenient, this fast-growing in-demand segment of the fitness industry carries significant risks that an online personal trainer insurance can help mitigate.
Liability Focused Insurance
Like its predecessor, online personal trainer insurance is a safety net for fitness trainers who decide to shift their profession to the virtual realm. Unlike personally handling a client’s training allowing you direct access to proper posture, actions, stretches, and so on to be done, virtual reality can only do so much to ensure the safety of your client. When a workout training’s not done accordingly, it can result in injuries or chronic pain, or worse – bodily damage leading to expensive legal battles.
At times, this may also mean revoking your license as an accredited personal trainer leaving you virtually with nothing.
Online Personal Trainer Insurance is a liability-based policy. Online trainers often are advised to obtain both general liability insurance and professional liability insurance. General liability insurance usually handles claims of bodily injury from third party, which can be quite aplenty as virtual training can be a tough act to follow. Professional liability insurance, on the other hand, will help counter any claims of negligence and loss of personal information. It is also designed to protect you from any carelessness or mistakes done wherein a client sued you for malpractice.
Beyond getting an online personal trainer insurance policy, it is imperative to mitigate risks and ensure the safety of your client as best as you can. As a PT, your main goal is to improve the lives of those who reached out to them for help in reshaping their lifestyle. It is therefore part of your obligation to ensure your clients safety. Since clients can sue you for anything they believe deprive them of their own safety, it is also your duty to mitigate such risks and to protect yourself from any malicious intent or the eventual downfall of your personal training business.
To counter this, it is important to secure a waiver and require health screening for a client. A medical doctor’s certificate confirming his or her condition will also be handy. These two should be done prior to prescribing an online training workout regimen and must be done as accurately as possible. Be reminded that you will be dealing with someone who may be living on the other side of the world and by signing a waiver, they are releasing you from liability and accept subsequent risks outlined on the waiver form. However, this still can be contested in court so make sure to an online personal trainer insurance handy to help address this. Remember, no matter how diligent and careful you are or your client, accidents can still happen. So, it is wise to be ready knowing that your back is covered 100 percent of the time.
We can tailor your policy to suit you, your wants, and your business-specific requirements. Having spent over a decade negotiating competitive premiums and with access to over 170 insurers, rest assured we WILL find you the right cover for the most competitive price.