What sort of insurance cover does a personal trainer require?

Technology and facilities designed to encourage us to adopt a healthier way of life are steadily creeping into many aspect of our daily routine. The promotion of lifestyles which involve regular exercise and healthy eating is rapidly gaining momentum, and people are gradually getting the message about some of the benefits which this can bring. And when you consider how much of our lives is now taken up with passive activities such as sitting in front of a computer or television screen, it's easy to see why the decline of Britain into an obese nation is a growing concern.

This movement towards healthier living has had an effect on the working too, and as a result there are now more vacancies for personal trainers, as inevitably there are going to be people who can't motivate themselves to exercise alone. This sort of job has a number attractions, for starters it is likely that anyone who chooses to become a personal trainer will be passionate about keeping fit so they will have a job that they truly enjoy, and through which they can make a tangible contribution to people's aspirations to become and stay fitter. Furthermore there are perks such as the fact that you keep fit while you work, (whereas many others have to sacrifice time outside of work for this), and you are likely to have flexible hours too, which provides a certain amount of freedom.

Although the job is appealing it is important to remember that it comes with a certain amount of responsibility, and to cover themselves against risks while carrying out their work, personal trainers must have specialist insurance. As a personal trainer you must be covered against the eventuality of an injury, whether it's a personal injury or one sustained by a third party. An injury to yourself can put you out of work for some time and this loss of earnings will be compensated for if you have insurance. Similarly you may find that if you're responsible for the injury of a third party then you're financially liable. Personal trainers may also find that they require personal liability insurance too as many sports facilities will require proof of this before letting them use their facilities.

Insurance can also be useful to cover personal trainers against the loss, damage or theft of any equipment, whether it's their own or someone else's. Sporting companies may hold you responsible while you're using their facilities and sports equipment can be expensive, so insurance can certainly provide some peace of mind.

Source: http://www.artipot.com/articles/1365987/what-sort-of-insurance-cover-does-a-personal-trainer-require.htm

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