Personal Trainer Insurance is a type of insurance that is used by fitness experts or personal fitness trainers who want to protect themselves and their clients from any financial burden of a lawsuit. Personal trainer insurance usually consists of general liability insurance, which is designed specifically for personal trainers to cover them in case they are sued by third-part liability claims made by other individuals or companies. Personal trainer insurance may also be a combination of professional liability insurance, personal injury insurance and abuse or sexual misconduct insurance (sexual harassment, physical abuse, mental abuse). Most personal trainer insurance policies will cover only the specific services that you are providing.

There are some important things to consider when buying your personal trainer insurance policy. First of all, ask yourself if you know what you are covered against or not, and if you do know, have you been told that you are covered against that specific risk. For example, if your personal trainer training involves you walking into a doctor's office or hospital for treatment of an injury or illness you may be covered as an employee. If however you have hired your own personal trainer or gym, or even if you were working out at someone else's gym while not actually at the gym, your employer is not covered. If you do not know the answers to these questions then you should contact the insurer and have them answer your questions.

Another thing to consider if you are planning to hire a personal trainer is how much coverage you need. You should determine what the total cost will be for the year before you start using the service. Then you should take into consideration any additional services that you are going to need such as seminars, personal coaching, etc. It is very easy to buy this type of personal trainer insurance online, but make sure that you are looking around and comparing the different prices so that you can get the best possible deal. Finally, always read the fine print of your contract so that you do not run into any surprises at the end of the year or on the beginning of the next year. This is especially important because if you have an injury or an illness that is covered under the personal trainer insurance, you may find yourself facing a large medical bill, or even worse, a court case.