Association Insurance Group, the health club industry’s leading provider of property, liability, and workers compensation insurance, has recently launched a new web site for personal trainers and group exercise instructors to be able to purchase their professional liability insurance on line. What is unique about this new program is that it not only provides extremely competitive pricing for professional liability coverage, it also provides individual personal identity theft recovery insurance as part of the program costs. Additionally, each trainer/instructor who purchases their professional liability insurance on line will automatically be enrolled the Program Purchasing Group. This purchasing group provides discounts from some of the industries most prominent companies ie; ActivTrax, Perform Better, and PT on the Net. It is an exciting new program that all trainers and group exercise instructors should take advantage of.
Personal training is definitely on the rise and the need for these trainers to protect themselves from lawsuits has never been more important. Although the new trainerinsurance.com program is designed more for independent contractors, many personal trainers who are employed by health clubs can elect to purchase their own personal professional liability coverage. Even though the insurance policy covering the health club will also extend coverage to employees, there is no guarantee that the club owner will keep their policy in force. This unknown element is a good reason for a trainer to have their own coverage especially when you are only talking about a policy that costs $175 – $250 a year. The Personal Identity Theft Recovery coverage is another reason why both independent contractors and employees alike will want to sign up under trainerinsurance.com.
All trainers and group exercise instructors who enroll at trainerinsurance.com will automatically be eligible for discounts on products and services that they ultimately will be using anyway. As mentioned above Perform Better, ActivTrax, and PT on the Net will be offering significant discounts to members of trainerinsurance.com. It is a Win-Win for everyone.
As club owners, it is important to require ALL independent personal trainers and group exercise instructors to maintain $1,000,000 of professional liability insurance. It is also important to make sure that each of these trainers and group X instructors provides the club with a certificate of insurance naming the club as an additional insured. The nice thing about trainerinsurance.com is that the trainer and/or instructor can order their certificates of insurance right on line. The certificate is issued immediately via an email back to the trainer so that they can print it or forward the email directly to the club owner. It’s that easy.
The professional liability limits provided by trainerinsurance.com are $1,000,000 per occurrence with a $3,000,000 policy aggregate. Coverage not only provides coverage for negligent acts from training or group instruction, but also will cover on-line training, and nutrition counseling. The Personal Identity Theft coverage is $15,000.
This new program is available only through the internet. The trainer/instructor can actually view a sample policy before they purchase the insurance coverage. There is a detailed Q & A section on the web site and the eligibility guidelines for acceptance are clearly noted so that there are no hidden surprises. Trainers will find the web site easy to navigate and the entire process for obtaining your insurance certificate and policy takes less than 5 minutes. At this time, only Visa and MasterCard are acceptable means of payment. The web site has the highest security measures in place for maximum protection.
The professional liability coverage will protect the trainer and instructor no matter where they conduct their services. Inside a club, in a client’s home, or even in the trainer’s own home, the policy will respond. This policy is not designed to cover any “premises” related claim. In other words, if the trainer or instructor has their own studio, this policy is not designed for these exposures. Training facilities and group exercise studios can purchase their coverage through Association Insurance Group’s other web site at clubinsurance.com.
As everyone knows, litigation in the United States continues to be out of control. For any professional fitness trainer or instructor to operate their business without liability insurance coverage is a gamble, to say the least. Trainerinsurance.com answers that need in a big way. The added benefits of the Identity Theft coverage and the Purchasing Group are just icing on the cake.
Be sure to visit www.trainerinsurance.com for all of the details.
