How does the new personal trainer endorsement affect my policy?When you add the personal trainer endorsement to your BBI policy, your policy will not only cover your massage, esthetic, cosmetology, and hair practice, but it will also cover your personal training practice. Prior to this change, many therapists who are also yoga instructors were forced to purchase two separate types of professional liability insurance. Now, we’re excited to be able to offer both. Gone are the days of juggling two separate professional liability policies from two different companies. Thanks to this new endorsement, you can get your insurance from one place and have them included in one single policy, making your insurance even more convenient.
Who does this insurance cover?
- Aerobics Instructors
- Crossfit Coaches
- Dance Instructors
- Fitness Instructors
- Personal Trainers
- Pilates Instructors
- Yoga Teachers
- And more!
Do fitness instructors really need general and professional liability insurance?Yes. General and professional liability insurance can: Help you protect yourself from financial losses due to lawsuits filed against you by your clients.
Even if you’re not actually at fault, you can be sued if one of your clients claims that they were subjected to injury by you simply from unwanted or hazardous body adjustments while attending one of your fitness classes.Cover your equipment.
Insurance can provide financial backing in the event that your equipment is stolen or damaged.The benefits of having insurance outweigh the risks of not having coverage.
The cost of an annual policy is typically less than one hour of an attorney’s time. Attorneys typically require a retainer fee as well as an hourly rate which can typically run anywhere from $50-$1,000 an hour. While your insurance policy and personal trainer endorsement from BBI costs $129 per year.Also, if a claim happens before you buy insurance it is likely that you will not be covered. We’ve made it simple for you to take the necessary steps to protect your business. All you have to do is complete the online application and upon checkout, your policy is ready to be downloaded immediately. Be professional, get insured.