Do I need liability insurance?
While it may not be legally mandated, it is wise and highly recommended to buy general and professional liability insurance if you do personal training or any kind of exercise instruction (dance, yoga, fitness, etc.). In the event a member should get injured during one of your sessions, or otherwise find cause to sue you, liability insurance can help you with legal issues and costs that arise.
Professional liability will cover the services you provide, so you definitely need this. This covers negligence (e.g., your member is performing a yoga pose incorrectly, or is doing a lift with bad form, and you didn’t notice or correct it and now they’re injured), personal injury (e.g., your member claims that you pushed them too hard during a workout session and now they’re injured), misconduct, and other such things.
General liability covers accidents that happen on business premises. Given that you’ll be instructing online and that the members will likely be in their own homes, this is likely a non-issue. However, most policies include this as a package deal with professional liability. And it’s probably better to have it and not need it than to need it and not have it. Better safe than sorry.
There are a lot of different places that offer liability insurance. Depending on how much coverage you want, these plans cost in the ballpark of $10 to $25 a month—a small price to pay for the peace of mind of being covered. Be mindful that some of these have different plans based on the type of instruction (yoga vs. dance vs. personal training), so be sure to look closely at what’s being covered so that you get the coverage that applies to classes that you teach.
To help reduce the likelihood of injuries and issues, make sure you
- Discuss the member’s medical and injury history;
- Ask about the member’s experience with fitness activities;
- Discuss with the member their goals and what they can expect during a session; and
- Pay careful attention to the member during the session.
DISCLAIMER: The information in this article is for instructional purposes only and does not constitute legal advice and should not be substituted for obtaining advice from a law attorney.