How Do You Know If You’re Eligible For Personal Trainer Insurance?

January 28, 2012 by · Comments Off 

Many personal trainers find it very hard to answer their questions when they are beginning to get personal trainer insurance. Because of the number of their questions, sometimes they become overwhelmed and end up not getting insurance for a personal trainer even though it’s an importance sports insurance policy to have.  They may have questions like What type do they get? How much should they pay? Are they even eligible to get personal trainer insurance? These questions are very understandable. Although at first they are hard to answer, they can seek help in reputable insurance companies or agents in order for them to get a reliable policy. Just like any other insurance policy, eligibility requirements should be met by the fitness instructor in order to get liability insurance for personal trainers.

Because there are a lot of insurance companies offering personal trainer insurance, a fitness instructor should satisfy the eligibility criteria set by the company. Most insurance companies have similar eligibility criteria, but there are others that define additional requirements.

Here are some of the most common eligibility criteria among insurance outfits offering personal trainer insurance.

Age. If you are practicing personal training but you are below 18 years old, you can not be eligible to get personal trainer insurance.

Fitness Trainer Certification. If you get your certification as a personal trainer from the United States, you are eligible to get personal trainer insurance.

Place of Employment. If you are employed as a fitness instructor or trainer by a school or university, you will not be able to get personal trainer insurance.

Type of Training. There are insurance policies that will only cover specific type of trainings. You need to make certain that the type of training you do as a personal trainer is covered by the policy. Specialty in training such as aerobics, dance, pilates, yoga can or can’t be covered by personal trainer insurance in some insurance companies.

An additional criteria is those who have already purchased a sports insurance coverage of the similar kind can’t get a policy in certain companies. These are just some of the general eligibility criteria in most insurance outfits that you need to satisfy in order to get personal trainer insurance.

Looking at the Various Types of Small Business Liability Insurance Policies

January 18, 2012 by · Comments Off 

Small businesses are very important for building strong communities as they provide employment and improve the living standards of a community. To keep a small business stable you need to have liability coverage for the business because if you are not fully insured a small lawsuit or any other unexpected disaster can ruin your hard worked business. The wisest step to keep yourself and your business prepared from hazards is to get an insurance policy that covers the business in all the circumstances. You should not rely only on liabilities because if something wrong happens that the liabilities don’t cover you will get nothing. To make your small business and future secure, you need to know about all the important features that your small business insurance company is offering and according to the needs of the business go ahead with the best insurance that gives you full coverage.

There are professional liability insurance and general liability insurance, they both are not much different from each other. In professional liability insurance, there is only financial coverage. A business which is mostly based on finances with no or little man power, for such types of business, professional liability insurance covers for it. On the other hand, if a business involves man power and machinery, then general liability insurance is the best choice. This insurance covers any type of business, whether it is only of financial nature or more dynamic involving workers and machines. It depends on the nature of your business, and an agent can tell about the suitable insurance that can go smoothly with your work. To get the most benefits from an insurance company a businessman should discuss with the agent about everything. A good insurance can give you the peace of mind and keep you free from thinking about potential hazards. After getting insured it is the work of the insurance company to handle the stuff when the business gets into a problem.

Why Technology Professional Liability Insurance Is Important to Have

January 5, 2012 by · Comments Off 

IT professionals are thought to have an authority in their area of expertise, so they are advised to be more careful during working hours. A client holds the right to sue an IT professional for errors like not meeting the expected level or causing the client to lose money due to wrong decisions, etc.

The IT tech insurance policy for technology professionals is the type of liability insurance that has resemblance with malpractice and omission insurance. It is known as Professional Liabilities Insurance. It provides coverage of every aspect, and also the events described earlier and protect IT professionals in case of any issue.

You need to look around for a good insurance company to get the required professional liabilities insurance policy. It is a bit harder part. It’s not as simple as it sounds, and it requires your efforts. You need to do a thorough research to be able to choose a company that provides insurance coverage on every aspect you require. Once you select a firm, you are supposed to go through the documents carefully before you sign the dotted lines.

If something is confusing you, you are advised to have a meeting with the insurance advisor.