As a personal trainer committed to health and fitness, you work hard to provide only the best instruction to your clients. And your business should have only the best when it comes to personal trainer liability insurance.
Philadelphia Insurance Companies (PHLY) provides top-tier insurance to fitness professionals across the United States. Our company has its roots in insuring health and wellness professionals. Fitness is as important to our company culture as it is to our insurance policy offerings.
Why is Liability Insurance for Personal Trainers Critical?
Certified personal trainers face a variety of challenges in their line of work, and unfortunately, legal action constitutes a serious occupational risk every trainer should be prepared for. As noted in a publication by the Journal of Strength and Conditioning Research on the state of personal training, lawsuits are an increasing concern for trainers across the country.
Any injury resulting from an exercise under the supervision of a personal trainer could result in a lawsuit - and the personal trainer could be held legally liable. A single claim from a client can be enough to put an insufficiently insured personal trainer out of business. With the National Safety Council reporting a 20% increase in sports and recreational injuries in 2021, personal trainers should make sure they are protected.
Industry authorities recommend all trainers get some form of personal trainer liability insurance like the policies offered by PHLY. In fact, the National Council on Strength and Fitness (NCSF), a leading organization of exercise professionals, offers its members exclusive access to PHLY's personal trainer insurance program.
Five Reasons to Choose PHLY for Your Personal Trainer Liability Insurance Needs
- PHLY is Committed to Health & Wellness
We offer an on-site gym in our headquarters that is used by many of our employees. Employees outside of our home office can take advantage of subsidized health club memberships. Our company-wide wellness program helps employees learn about their health and stay motivated to achieve their fitness goals. Many of our 2,000 employees participate in walks, runs, cycling, and a variety of other competitive athletic events across the country. You'd be hard-pressed to find an insurance provider more dedicated to fitness than TEAMPHLY.
- Coverage is Available for Most Fitness Professionals
PHLY's commitment to the health and wellness space means we offer broad coverage for a wide range of fitness professionals. Here are a few of the fitness categories we offer insurance plans for:
- Apparatus Pilates
- Dance Instructor
- Fitness Instructor
- Golf Instructor
- Group Fitness Instructor
- Gyrotonics
- Martial Arts Instructor
- Personal Trainer
- Swim Instructor
- Yoga Instructor
- And more!
- PHLY's Coverage is Tailored to the Fitness Industry
PHLY's insurance for personal trainers is designed to meet the many needs of fitness professionals and is backed by significant experience in this niche industry.
With PHLY, you can expect coverage benefits that include:
- Specialized coverage for both on- and off-premises
- Extended coverage to contracted professionals
- Industry-specific Risk Management Services resources
We provide automatic additional insured status for select entities on all personal trainer liability insurance policies and a certificate of insurance generated instantly with our easy online application.
PHLY is rated A+ by Standard and Poor's and A++ by the AM Best Company. This means PHLY has been identified as a company with the superior financial strength required to guarantee support when you need it most.
- PHLY Offers Higher Coverage Limits
PHLY provides high limits and competitive premiums for our personal trainer policies. Here are the limits you can get with personal trainer liability insurance from PHLY:
- General and Professional Liability: $1,000,000 per occurrence/$3,000,000 aggregate limit
- Sexual Abuse Liability: $100,000 per occurrence/$300,000 aggregate limit
- Products Liability: $1,000,000 aggregate limit
- Medical Payments: $2,500
- Damage to Premises: $100,000
- PHLY's Exceptional Customer Service
PHLY is known for excellence in customer service that is unparalleled in the industry.
We have a 96% overall customer satisfaction rating and consistently high retention rates across the 120+ niche markets we serve. Our excellent customer support sets us apart from other personal trainer liability insurance providers and is one reason personal trainers across the U.S. continue to come back to PHLY year after year. Personal trainers who work with us also enjoy direct access to their PHLY representatives, who are available to handle any questions or concerns.
As part of our commitment to customer service, we offer:
- Self-service portals
- Online quotes
- User-friendly online applications that can be completed in minutes
In addition, PHLY provides a dedicated fitness & wellness customer service contact center that is available to address any policyholder concerns. Our online application is streamlined for convenience and is:
- Just one page
- Mobile-friendly
- Easily completed in minutes
So, even if you arrive at a new gym and learn you need coverage, you can get an instant certificate of insurance on the spot with our online application.
To us, fitness and wellness are more than just an insurance opportunity. They're an integral part of PHLY history, culture, and service. Find out more about the policies that make us the best personal trainer insurance provider, or apply today!
IMPORTANT NOTICE - The information and suggestions presented by Philadelphia Indemnity Insurance Company are for your consideration in your loss prevention efforts. They are not intended to be complete or definitive in identifying all hazards associated with your business, preventing workplace accidents, or complying with any safety related, or other, laws or regulations. You are encouraged to alter them to fit the specific hazards of your business and to have your legal counsel review all of your plans and company policies.