When to Buy Personal Trainer Insurance

When it comes to buying health insurance, there are several considerations to take into account. Health insurance for personal trainers often involves the coverage of injuries that are suffered during your sessions. This can include everything from a simple sprained ankle to a broken arm or other serious injury. Personal trainer insurance also covers you for any damage that may be done to your gym if your customers suffer damage in your gym under your care.

There are a couple of ways to determine when you should buy personal trainer insurance. If you are a private individual, there really is no time frame. If you are a small gym or have a small client base, it might be more appropriate to wait until your gym has grown. Even if you do not have many customers, a small personal gym will not be able to afford personal trainer insurance policies. For this reason, it would be a good idea to consult with your local insurance department to see if they offer a gym discount policy for those who are willing to insure their own gym equipment. These policies can usually be found on your insurance company's Web site or can be obtained through a referral.

If you are a larger fitness center, then it is a good idea to consider personal trainer insurance at all times. This type of insurance is most likely purchased when a new member is added to the gym. Most companies will charge a small administrative fee to cover the costs associated with the insurance policy. In most cases, the insurance policy will last between one to five years depending on the type of insurance policy you purchase.