ace personal trainer client contract template

In addition to the medical fees, you may be accountable for all of their doctor’s follow-ups in the future, their legal fees, the loss of wages from their job, and more.Īccording to Smiley & Smiley, LLP, in one instance, a New York woman got her foot caught on a piece of exercise equipment and fell backward, fracturing both of her wrists. Fitness injuries are often accidental, but if a client sues, a judge may rule that the injuries resulted from the personal trainer’s negligence.Īnd it’s not just the initial treatment of the injury you’ll be responsible for, financially. We pride ourselves on pushing our clients to reach their goals – it’s part of our jobs! But how much push is “too much” can be subjective, and we can be to blame for any resulting injuries.įaulty equipment can also be to blame, but that may, in turn, put you at risk for utilizing the equipment for your services or for recommending it to your client. Personal trainers are trusted every day with their clients’ health and fitness. But is liability insurance something you even need? It’s always best to talk to a reputable insurance agent to determine your exact requirements. If you own a personal training business with other employees or a brick and mortar establishment, your coverage needs may differ from the two primary types listed above. For example, if a client were to claim you were not correctly spotting them, and that is why their injury occurred, the professional liability insurance can help cover the costs. Professional Liability Insurance: Also referred to as Errors and Omissions (E&O) insurance, this protects against claims that it was your direct guidance or negligence that resulted in a client’s injuries. Your general liability can cover the cost of treating their injury. This coverage can be as simple as a client tripping over a weight on the floor and hurting themselves. General Liability Insurance: This is the most common and protects you from the financial burden of an accident or lawsuit. There are two primary types of personal trainer insurance coverage:

The insurance, which varies in cost and coverage (we’ll get to that later), may also be utilized for simple mishaps where there was no lawsuit, but funds are still needed to cover an injury. Personal trainer insurance is liability coverage that protects the trainer financially if a client were to open a lawsuit due to a fitness accident. Acquiring the proper personal training insurance can help you protect all of the hard work you’ve done to get this far. It’s vital to protect yourself from financial setbacks if a client were to sue you for any of these injuries. According to the National Safety Council, there are about 468,000 injuries related to exercise each year.

Ace personal trainer client contract template