The Importance of Having a Fitness Instructor Insurance Policy

A fitness instructor insurance policy is a type of insurance plan designed for those involved in the training and issuing of instructions to participants in sports and health and gym and fitness environments. Having a fitness instructor insurance policy is a necessity for gym instructors in many states. In fact, it is one of the basic requirements that needs to be provided if you really want to be fully protected as an instructor.

You might be asking; what is the essence of having a fitness instructor insurance policy when the gym where I work already has an insurance plan that covers me? Well, consider a scenario where one of the people you are instructing gets injured in the process and decides to file a separate lawsuit against you and the gym. Having a fitness instructor insurance policy saves you from a lot of financial loss in this respect, especially where there is no provision for the instructor’s personal lawsuit liabilities. The fund from this policy provides coverage for all the medical expenses and other damage claims made by the participant.

Another reason why having a fitness instructor insurance policy is important is that; it protects you against liabilities due to damage to gym facilities. Sometimes, during carrying out your work you may damage the gym’s facilities. Though it may not be done intentionally, the gym owner may decide to sue you. With your insurance coverage, you will have no need to worry about where to get money for repairs.