When you buy a fitness trainer insurance policy, you are covered, right? Everything is all good, and you are finally at a professional level you have been trying to reach, right? Not so fast. There are some hidden dangers that your nice, smiling insurance agent may not have told you about when you signed all your paperwork. Like anything, there can always be some traps in the fine print. Personal training insurance is no different. If you have already signed, it might be too late, but at least you can be prepared for what might be coming. Let’s dig a little deeper.
First, you have to be very wary of any fitness trainer insurance that does not cover punitive damages. Heaven forbid, if something did happen by accident and someone did get hurt, the last thing you need is to still have liability exposure that is not even covered. That is the worst case scenario. If you have an insurance policy, what good is it if the liability you have incurred as a fitness trainer is not covered by your fitness trainer insurance? How much sense does that make?
Second, watch the “nickel and dime” fees. You can easily find yourself another 200.00-300.00 per month in fees if you are not careful. Be sure that you find a fitness trainer insurance agent that explains things thoroughly and lets you know that there are none of these kinds of fees.
