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Personal trainer
insurance is not a type of insurance in itself but rather a collection
of coverage types designed to protect personal trainers. The primary
personal trainer insurance type is commercial general liability (CGL),
which covers third-party claims arising from bodily injury, medical
bills, property damage and related legal defense costs. Some trainers
and fitness instructors will need other coverage types.
For most
personal trainers and fitness instructors, the main coverage types
needed are typically bundled into one package, called a business owners policy (BOP),
which is a cost-effective means of getting broad coverage. Direct
employees of a gym may not be covered and will need to confirm coverage
with the owner.
Personal
trainer or fitness instructor insurance costs typically range from
about $150 to $500 per year because commercial general liability
coverage is typically what most trainers need. However, the total cost
of personal trainer insurance can be more, depending on a few key
factors like the size of your business, if you have employees and your
chosen coverage limits.
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