We often get inquiries asking if instructors and trainers are covered under the insurance policies of the fitness centers and studios where they work.
This is a very important question. If a fitness professional is a direct employee or owner of the facility where they teach or train the clients of the club or studio, then they are most likely covered by that facility’s general fitness liability insurance. Trainers always need to verify this with the facility, however.
If a fitness professional is an independent contractor and/or trains their own clients in a studio or club owned by someone else then they are mostly likely NOT covered by the general liability or professional liability policy of the facility. Most clubs and studios require independent contractors to show proof of obtaining their own personal trainer liability insurance prior to beginning work in the facility.
It is important to note that the vast majority of fitness professionals are passionate about their work and carry it outside the premises of the clubs and studios where they “officially” train their clients. Talking with family, friends, neighbors and others about their health, fitness and nutrition can also expose a fitness professional to liability. If one of these persons takes the advice of a “professional” and is injured, then they can file a claim or lawsuit. It is highly advisable, therefore, for all fitness professionals to carry their own individual insurance coverage even if they are covered by the club or studio where they work. These policies only provide protection within the walls of that facility.
In summary, all fitness professionals– whether they are teaching classes or training one-on-one, whether they are employees or independent contractors– need insurance to protect themselves and their future from liability exposure. The good news is that it is relatively inexpensive and easy to obtain online, and there are programs tailored to provide the coverage that is needed.
Having insurance frees all fitness professionals to do what they do best – help their clients become more fit and healthy!