Selecting The Best Personal Trainer Insurance Policy

November 23, 2011 by · Comments Off 

Personal trainer liability insurance is necessary for a trainer to protect himself from the risks of liabilities when a client of him is injured or the equipments in the training centre are damaged during the training. Since there are a lot of chances for a trainer to lose money for these liabilities, he should carefully select the best liability insurance for personal trainers by considering his type of training and mode of working.

The terms and conditions and the types of coverage should be carefully learned before taking insurance for personal trainers. He should first make sure that the type of training imparted by him is included in the insurance policy. This is because specific types of sports insurance policies cover liability for different types of sports training. If it is not included he may lose money, even though he has personal trainer insurance.

He should also consider his mode of working while selecting the policy. The trainer may be a freelancer who meets the clients individually or employed in a training center or training in a rented facility. General liability insurance for personal trainers protects only from the damages caused inside a club while others provide complete coverage.

Some gymnasiums have their own fitness club’s insurance that may also give protection to their employees. However, these protections are limited inside the gymnasiums. So for the fitness trainers who offer outdoor training also, their sports insurance should include coverage omitted in the fitness club’s insurance.

Equipment Liability Sports Insurance for Team Owners and Sports Facility Managers

November 20, 2011 by · Comments Off 

Generally, sports insurance protects the capacity of sports businesses, such as those that own and manage professional teams or sports facilities, to continue operations despite experiencing setbacks, such as their athletes being injured or getting sick while playing during an important season or getting sued because of an in-house dispute between athletes and managers. More than its provision of financial support for medical and health maintenance costs, liability insurance in sports and other high-risk recreational activities acts like an umbrella protection for everyone involved, including spectators who may have been hit by a wayward ball or injured after falling from an unstable bleacher while watching a sports event.

Other than legal and medical indemnity, sports equipment insurance offers support for repairs on equipment and facilities damaged during a game or during practice. The owners of the sport equipment may request for reimbursements for technical repairs or for the purchase of a brand-new machine or tool. Similarly, the team manager may also request through sports insurance replacements for deeply damaged or misplaced training equipment and even sports camp insurance for clinics and camps. Moreover, gym facilities and stadium authorities may as well take advantage of sports equipment liability insurance to request repairs or renovations done on bleachers, grass fields, lights and wide screen televisions, sound systems, comfort rooms, and even, food service and water dispensing stalls.

Aside from purchasing replacements for lost equipment, sports equipment protection policies also help team owners, and managers reduce their financial burden when replacing stolen equipment. Stealing sports equipment, such as soccer balls or baseball gloves, and selling them on eBay seems a common problem, especially with disgruntled employees working at the stadium and the gym or with unpaid volunteers working during a major charity sports event. This type of insurance also pays for lawyer’s fees when the case reaches the courts. Lastly, sports liability insurance also covers repairs, renovations, and replacements on damaged sports equipment and facilities after a fire, a flood, or an earthquake.

What are the Disadvantages of not Purchasing Fitness Trainer Liability Insurance?

November 14, 2011 by · Comments Off 

A fitness trainer is always cautious about integrity and credibility. No matter, whether you are a fitness instructor, a dance teacher, a coach or a personal trainer at home. While fitness trainers are performing regular course of their duties, willingly or unwillingly, they are facing hundreds of risks involved in training their clients. A trainer is always weakest in managing their risks after all he/she is not supposed to meet their risks regularly and will never be willing to keep a huge amount to handle the circumstances to compensate the claims against damages.

A sports insurance policy called fitness trainer insurance can protect against these risks and help to protect a trainer’s rights as well as minimizing financial risks. A trainer might lack in performance due to pursuing the case hearings of plaintiffs and affected parties. Most importantly if a fitness trainer is working at a rented place, his facilities must have cost a lot for his gym owner to purchase. In such a case the burden, in case of an accident, lies completely on the side of a trainer and surely the owner will never be forgoing the damages aroused due to an accident. Most of the gyms are having their own policy matters. For some trainers, the advantage of trainer liability insurance is covered within the gym’s internal policy. However, normally trainers are on a self-employment basis, and the gym owner accepts no liability on the side of his ownership. In this manner, a trainer is weakest on his own part due to his lack of risk management.

How Fitness Instructor Insurance Provides Liability Protection

November 7, 2011 by · Comments Off 

When someone is first thinking about becoming a fitness instructor, they do not usually consider how tangy the legal matters could be. Thus, it is advisable to choose an attorney and obtain sports fitness instructor insurance is as they are by far the most important items to be taken care of at the beginning. Today, even certified instructors are not safe due to claims of negligence. To your relief, insurances are available that offer polices to protect the owner in case some accidents result in some form of loss to the clients. The insurances fall into two categories.

  • Sports Instructor Insurance
  • Miscellaneous Fitness Trainer Insurance

Sports instructor insurance covers for legal claims involving defamation or wrongful invasion of privacy. Miscellaneous trainer insurance policy covers against bodily injury or accidents claims arising due to malfunctioning of equipment and/or negligence at the part of trainer or the client.  As sports instructor or trainer work in variety of environments, it is mandatory to determine the statistics of services rendered so that the accurate policy could be selected. Sports training can take place at a private residence, gym or club and even remotely by video tutorials if the client is a way to some far-off land. In the later mentioned scenario, you have no control on the environment, and thus you can be liable to many sports risks. In cases where you can exert no control over the ambience and prevalent conditions, your insurance can protect you against claims of negligence on your part due to faulty or improper use of equipment.

Special Event Insurance: Knowing Your Policy Coverage

November 6, 2011 by · Comments Off 

Imagine that you are planning a trade show for your business, and you decide to get the services of an insurance company to secure a special event insurance policy for you. You can’t afford financial losses in the case that your planned event is messed up due to an unforeseen incident.

Special event insurance is a necessity, especially for businesses and organizations. During these times of uncertainties, you can never tell what will happen, and taking risks is not an option. Regardless of how well organized your event, mishaps can and do occur. You need to protect not only yourself, but also the investment and interest of your clients, customers, and spectators.

However, securing special event insurance does not stop with just buying a policy. It is very important that you understand what your policy covers. This means you need to read the fine print. You need to understand the limits of your policy. You have to remember that there are a number of insurance outfits out there. Each insurance company has certain variations in terms of the types and coverage of their special event policies. You’ve got to know and understand exactly what they are offering in order to choose a policy that can best suit your business or organization.
A special event insurance package should have a liability portion as part of its coverage. This will protect you and your business from any liability, which is associated with an unexpected circumstance that can lead to property damage and bodily harm.

It is vital to know the policy coverage of your special event insurance.  Usually liability coverage of the special event insurance will include the following: spectator liability, liquor liability, property coverage, general or employee liability, volunteer medical coverage, and weather insurance. However, then again, different companies offer diverse special event insurance packages. This is why you need to study your event and the potential mishaps that can happen. With that in mind, you can certainly find a policy that is well-suited not only for your business, but also compatible with your event.
Apart from knowing what it covers, you also need to pay special attention to the amount connected with the coverage. Make sure that the amount associated with the policy you get is within what your company can afford. You need to also consider the premiums and the deductibles. There are policies that have exclusions that you need to fully understand as well.

Of course, specifically-tailored special event insurance can help you avoid being crippled from financial burdens if your event is spoiled by sudden incidents. With the right special event insurance, you can be sure that you are protected. Know your special event insurance limitations and deductibles. After all, special events are meant to be enjoyed safely and without hassles.

What Is The Right Small Business Insurance For You?

November 3, 2011 by · Comments Off 

How do you know if you have the right small business insurance? How do you know you have the right section of the small business insurance policy that your state requires? These questions, if not answered right, can be the end of your business. What do you do? How can you know for sure that you are making the right decisions for your company with your small business insurance?

Small business insurance is the one thing that you have to have right. Before the paint, the sign, the hiring of people and all the other many things you have to have figured out, you have to have the right small business insurance policy or policies in place. What happens if you don’t? Ask the hundreds of thousands of small businesses that go under every year. That is one of the main reasons small businesses fail in this country; because they did not have the right small business insurance in place, and it killed the business. Don’t let that happen to your business, and have to watch all you have worked for go down the drain. You can prevent all that and keep your future and the future of your family and employees preserved just by taking the right steps with your small business insurance. Make sure that you are hiring the right small business insurance agent, and get your small business insurance taken care of, and keep running your business.