The business of making people look good can leave you in bad shape. If you’re a personal trainer, you work a rewarding gig because the results are visible. You watch your client improve their mobility, reach their goal weight, and boost their energy levels. That said, all physical activity carries risk, and if you’re the pro executing the program, both the credit and the blame for the outcome falls at your feet. If a client reaches their goal weight in time for their beach vacation, you’ve got a nice testimonial and referral business headed your way. On the other hand, if a client suffers a stroke or sustains a serious injury, you could be looking at a lawsuit instead. You Can Be Held Responsible for What Happens To Your Clients As a personal trainer, you don’t have the luxury of a crystal ball that tells you how clients will respond to specific workouts. In 2016, a Connecticut Superior Court awarded Equinox member, Chetan Vaid, and his wife $10.875 million after the member suffered a stroke following a session in 2011. The gym, the holding company, and the trainer were named as defendants. According to Vaid, the trainer didn’t design a progressive program for him and pushed him to use the rowing machine on its highest setting. After Vaid told him he was feeling dizzy and experiencing blurred vision, the trainer pushed him to continue. The complaint also accused Equinox of “inappropriate training methods”. Proper training for fitness professionals and safety procedures are the primary methods for avoiding these sorts of unfortunate events, but they are no guarantee that something bad won’t happen. Insurance for Personal Trainers and Other Fitness Professionals One misconception is that insurance is only necessary for professionals who train privately. Even trainers who work for large gyms may not be fully covered by their employer. So if you’re a fitness professional, take the time to look into your insurance situation to avoid being hung out to dry. Two particular types of insurance fitness professionals should be familiar with are general liability insurance and professional liability insurance. General liability insurance covers physical injuries or property damage. If you’re working with a client who breaks their arm or has a heart attack during a session and you’re found liable, this kind of insurance has your back. Professional liability insurance on the other hand covers you in case a client claims you didn’t honor the contract, made professional errors, or didn’t render the service properly. Of course, you shouldn’t limit your research to these two types of policies. Your insurance needs ultimately depend on your unique situation. You may train out of your home gym or a rented space. Some professionals offer other health-related services as a supplement to their personal training practice. In these cases, you want to make sure you’re covered for things like: ● Commercial property (i.e. your studio, your gym) ● Equipment ● Unintentional privacy breaches ● Sexual harassment Looking at what other professionals with similar businesses do insurance-wise is a smart move. The challenge is getting your hands on that information. A perfectly competent insurance broker might not have the niche insurance expertise you need to get the best deal and coverage. This is where Zensurance eliminates the headache from commercial insurance. Zensurance’s digital insurance platform makes it easy for business owners to plug in the details and receive curated insurance packages that cover their unique enterprise. Moreover, these packages aren’t pulled from thin air. By using data analytics to identify the most common claims faced by similar businesses, Zensurance offers the right coverage for your enterprise. Once you’ve identified the appropriate coverage, you’re also spared the frustrating phone tag and reams of paperwork that have become synonymous with purchasing commercial insurance. If you’re a fitness professional, be sure to take your insurance needs seriously so that your growing business stays financially fit. Danish Yusuf is the CEO and co-founder of Zensurance. Zensurance takes the headache out of commercial liability insurance by identifying the exact type and amount of coverage small business owners need using data analytics. Its digital platform reduces the back and forth involved in finding the right policy, so you can spend less time filling out paperwork and more time building your business.