Personal Trainer Insurance in Massachusetts

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Personal trainer insurance is specialized commercial insurance for professionals who are in the personal training field. In order to provide these professionals with the protection they need, most personal trainer policies come with multiple coverage’s that are bundled together.

Most personal trainers and fitness instructors in Massachusetts can benefit from having personal training insurance. Even a minor liability claim can become expensive, and few trainers have the resources necessary to fight or settle a claim.

General Liability Coverage
Professional Liability Coverage
Product Liability Coverage

What is Personal Trainer Insurance?

Working as a personal trainer can be financially and personally rewarding. It’s work that comes with potential risks, though. From liability risks to property risks, personal trainer insurance can help trainers in Massachusetts protect themselves against many of the potential perils they face.

What Professionals in Massachusetts is Personal Training Insurance For?

TESTIMONIALS

Customers Love Us

When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

Frank

Winchester, MA
After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

Tony Bartolo

Lynnfield, MA
One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

Kelly Ilebode

Boston, MA

Are Personal Trainers Who Work at Gyms Covered Through Their Gym’s Insurance Policy?

Whether personal trainers receive coverage through a gym’s insurance policy can depend on their employment situation and the terms of the gym’s policy.

Trainers who are actual employees (receive W-2s) of a gym are more likely to be covered by their gym’s policy. Those who work at gyms as independent contractors (receive 1099s) are less likely covered by the gym’s policy, but they might still be covered if the gym’s policy has generous terms.

In either case, any coverage that is afforded by a gym policy is probably limited to services that are provided at the gym. Neither an employee’s nor an independent contractor’s side work at other locations is likely to be covered.

Any trainers who need help reviewing a gym’s insurance policy should speak with an insurance agent who specializes in personal training insurance. A specialized agent will know what to check in a gym’s policy, and they can provide coverage recommendations based on their findings.

What Coverages Are Offered by Personal Training Insurance?

While the precise coverages that a given personal training insurance policy makes available can vary, there are a few coverages that many of these policies offer:

General Liability Coverage, which might cover simple accidents and a few other claims
Professional Liability Coverage, which might cover mistakes made in work
Product Liability Coverage, which might cover harm caused by sold products

Why Should Personal Trainers Have Professional Liability Coverage?

Professional liability coverages often is an especially important protection for personal trainers. Trainers can make many different mistakes in their work, ranging from failing to provide essential details on an exercise to overdoing a client’s stretching. Professional liability coverage frequently covers incidents like these.

Do Personal Trainer Policies Extend Coverage to Working in Clients’ Homes?

Whether personal trainer coverages are extended to in-home services depends on the particulars of a policy. The same is frequently true with other work that’s not done at a traditional gym, such as outdoor fitness classes.

If protection for in-home work is needed, an experienced insurance agent can likely help trainers find a policy that provides this sort of protection.

How Expensive are Personal Trainer Policies?

Premiums for personal trainer policies can vary, but policies tend to be affordable. To easily shop policies, trainers can contact an independent insurance agent. Independent agents aren’t tied to any one insurance company, and they can therefore compare policy options from multiple companies in the state.

How Can Trainers and Instructors in Massachusetts Get Personal Trainer Insurance?

If you need help finding personal trainer insurance in Massachusetts, contact the independent insurance agents at Paul T. Murphy. Our team will work with you to identify risk exposures and coverage needs, and then we’ll compare policies to get you the best one for your particular situation.

Proud Partner of

This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. The illustrations, instructions and principles contained in the material are general in scope and, to the best of our knowledge, current at the time of publication.