Why do fitness professionals need business insurance?
Sure, your clients might thank you for aches and pains after a tough workout, but it could be a different situation if they experience more significant pain. They could claim that your fitness coaching caused an injury or emotional harm.
If you have business insurance, you won’t have to pay entirely out of pocket to defend your business or solve the problem.
Fitness liability insurance
Fitness liability insurance can help cover costs if someone accuses you of causing an injury or damaging property that doesn’t belong to you. It’s usually required if you plan to offer your services in a gym or rent your own space.
We combine two types of liability insurance in our business insurance packages:
General liability is the insurance coverage most instructors buy first because it covers the two biggest risks that you face every day — injuries to other people and damage to property that doesn’t belong to you.
Professional liability provides financial protection if someone claims you didn’t provide the services you agreed on or you gave advice that led to financial harm.
Other important business insurance coverage for fitness pros
If you’re an active coach or fitness instructor and you break your ankle during practice, some of the costs of your medical bills will be compensated if you have workers’ compensation. Owners’ coverage is specifically designed for business owners who may not have employees but want an extra layer of protection for themselves.
Note that if you don’t have workers’ comp and you are injured at work, you might not be covered by your personal health insurance.
This coverage is required for businesses with employees in every state except Texas.
Call Dorsal Insurance today for a quote at 786.601.2485