Fitness instructors are one of the hardest working instructors out there. They meet from person to person just to see that they have a training menu that is fit for their different types of needs. These instructors have specific training menu for different persons and they devote a large amount of time and effort in order to formulate different types of menu for their clients. Each menu is different and each menu is catered towards specific needs and body types. Not only that but some times fitness instructors also have group clients that is more taxing than having a single client that you have to monitor.
This type of work load plus the uncertainty of having different clients leads to a work environment that is not in the control of the fitness instructor. Sometimes, because of different reasons, accidents happen no matter how many safety nets that you have.
Here are some of the things that you should know when you wish to understand about Fitness Instructor Insurance:
What circumstances are included in the insurance coverage?
There are a lot of things that are covered in the insurance for fitness instructors. These things are specified in the agreement or plan that you have with the company. Some of the most common things that are included in the insurance coverage are: exercises done in chairs, jazz exercises, the different systems that are being used to train your body, different martial arts, alternative exercises such as pilates and yoga, water exercises, dance, boxing, floor exercises as well as exercises that require the use of equipment. If you want other included in the plan that you have in mind, just talk about it with your insurance company.
What are the different types of insurance coverage?
There are two types of coverage here for fitness instructor insurance. The two types are coverage for professional indemnity and the other is coverage for public liability.
Coverage from professional indemnity protects you from acts of negligence and error due to omission. This means that you are not liable for anything that happens when you do not intend it to happen or if you forgot something that caused the accident to happen.
Protection from public liability means that you are protected from any accidents that happen due to things done by any third party. Even third party equipment is included in this type of insurance. Injuries or damages caused by third party equipment are very much included on the insurance premium.
So these are the things that you must know if you want to know about how Fitness Instructor Insurance works. There are a lot of things that fitness instructors do and no matter how many things you do to ensure your safety, accidents do happen and you must have something to fall back to when this does happen. This is why it is important that you have an insurance when you are a fitness instructor working in a fitness spa or gym. Accidents do happen anytime, anywhere!