Your life?s dream has always been to promote a healthy lifestyle through sound fitness training. As a well-educated, highly qualified personal trainer of any stripe?be it yoga instructor, aerobics leader or sports conditioning professional?you have studied hard, prepared your exercise program and are ready to go to work. You have every detail finely outlined, and your first independent contractor?s agreement with a local health club. You are ready to roll. However, there is one more important item you should consider before taking on that first client: your fitness insurance policy.
Today?s litigious society has created a mind-set that unfortunately means that you will, at some time during your professional career, probably encounter someone who will file a claim against you. This does not always mean that you have accidentally caused physical harm to a person. Claims abound for sexual harassment, discrimination or other personal grievances, real or imagined, that your client may decide to allege. Being protected against any and all of these possibilities should be an essential part of your business plan.
You may think you do not need the insurance; after all, you have a contract with a prestigious health club. Although you may have an agreement for delivering services with a well-insured club, you are not an employee and therefore must provide for yourself. The umbrella policy the club carries may or may not include independent contractors and usually only in a very limited manner. The club owner will protect himself for damages or injury; you personally, and your budding business, are not generally covered. A customized fitness insurance policy is crucial for protection of your personal reputation and that of your fitness business.
You need not be a certified personal trainer to find good coverage. Policies exist that are completely portable so you are protected whether you deliver your fitness expertise in a club or in your client?s home. Policies are relatively inexpensive considering the invaluable safety net they provide, and may even give your business a boost by allowing your clients to feel at ease knowing that you are properly insured by a top-ranked provider. Mostly, you can pursue your health-giving goals with the peace of mind that comes with knowing you are guarded against loss.
Endeavoring to teach others to lead a healthful life is a worthy ideal. Creating a cogent business plan for providing health and fitness should include many aspects such as expected income and asset purchases. Investing in adequate business insurance should be a part of that plan, and fitness insurance is an industry-specific type of protection that you should not do without. You have worked hard to get to this place; take care of yourself and your business with personalized insurance protection.
Maddie Wilson -
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