Personal Trainer Business Insurance: What You Need to Know About Filing a Claim

Personal Trainer Business Insurance: What You Need to Know About Filing a Claim
Personal Trainer Business Insurance: What You Need to Know About Filing a Claim

Being a personal trainer is an incredible and rewarding career path. It’s a job where you can assist your clients in achieving their fitness goals and support them on their fitness journey.

However, there may be instances when unexpected situations arise, such as a client getting injured. In those moments, it’s crucial to know how to respond promptly and understand the process of filing a personal trainer business insurance claim.

Let’s explore these aspects further.

Why Would You Need Personal Trainer Insurance? What Could Go Wrong?

When your clients work out, anything can happen, even if they are in their best shape. During their training sessions, your clients are under severe physical strain. Physical activities are not without risks, which pose a professional liability from an insurance point of view.

Given the line of work you’re in, there are underlying risks your clients are susceptible to, such as:

  • Pulled muscles
  • Injuries caused by rigorous physical strain
  • Broken bones
  • Heatstroke
  • Head injuries
  • Cardiac issues
  • Stretched or torn tendons, etc.

Besides being held liable under professional liability, businesses also risk general liability. These risks are common for every type of business and can occur anywhere. Potential risks to your businesses include slips, damaged personal property, tripping hazards, etc.

What To Do in an Emergency

As a professional, you understand that preparation is key. Every professional in any line of work should be prepared for a crisis before it happens. During an emergency, staying calm matters. Working yourself up into a state of panic will only worsen the situation.

Get Help

In case of serious injuries, call 911 immediately. Inform the dispatcher about what happened, and make sure you stress the severity of the situation.

Cooperate

When the EMTs arrive, make sure you give them as much information as you can. If your client isn’t conscious, you’ll be speaking on their behalf, so describe what happened in detail.

Details Matter

If the crisis has gotten the best of you, and your mind went blank, start recording the details. Write down anything you can remember (who, what, where, how, when, etc.)

Contact Your Insurance Agent

Once the situation has settled and things have calmed down, inform your insurance company about the incident. This is where the details you previously noted will come in handy.

Take the time to share all the information and facts you wrote down and remembered with your insurance agent. The more comprehensive the details you provide, the clearer the situation.

Prioritize Your Well-Being

It can be traumatic when a client gets injured while under your supervision. While it might not be your immediate focus, it’s crucial to prioritize your well-being after such an unfortunate event. Each person responds differently, so taking steps toward recovery is important.

Take some time off from work or find support from a therapist. Regardless of how you cope with the crisis, keep your well-being in mind.

Filing Your Insurance Claim

Once you deal with the crisis, it’s time to settle the paperwork. Reach out to your insurance agent. They will ask you to provide specific details, such as your insurance information, the details of the incident, who was involved, and so on.

Depending on the insurance provider, you might need to see them in person and go through the insurance claim filing process online.

API Fitness: Reliable Provider of Personal Trainer Business Insurance

Let API Fitness take care of you as you care for others. Our list of more than 150,000 members across the U.S. speaks of our utmost dedication to our clients. Whether you need personal trainer business insurance or fitness training insurance, we got you covered!

Join other members of API Fitness and get affordable insurance to help cover property damage claims and client injuries. Let’s talk!