As a fitness instructor providing lessons outside of your place of employment, you need to be sure you have fitness instructor insurance to cover your liabilities with regard to having private clients.
Always have your clients sign a waiver so that you are covered in case of simple things that could happen to anyone taking a fitness class.
Things like sprained ankles and pulled hamstrings are common, and you don't want to be sued for these.
Your fitness instructor insurance can cover them, but you don't want this small of an issue having to go to court.
Make sure to have your clients undergo a physical exam by their own physician. Provide a form for them to have signed by their physician that you can keep in their information file. Their level of fitness should be tested as well.
If they test as a beginner, you should not allow them to take your harder classes until they can test into them. This protects you from being sued, and is the professional thing to do.
Sometimes you can't avoid it. As the expert, you can be held responsible for any injuries to your clients, even though they may have signed a waiver.
As their professional fitness instructor, you need fitness instructor insurance to protect you.
Anytime you are instructing students, training new athletes or even just acting as a consultant, you are liable. Your clients have turned to you as the expert in your field.
The court system will see you as the same expert. You better have fitness instructor insurance to cover you outside of your place of employment.
There was a case recently wherein a fitness trainer who was employed by a club decided to advise a client about vitamin supplements they could take to help with their exercises.
Their club did not sell supplements or vitamins, so this was all on the trainer. Their insurance policy did not cover the trainer in his act as a consultant about vitamins and supplements.
They met outside of his normal place of employment so the trainer could talk to the client about what to take.
The client had a heart problem, and because of taking the recommended supplements, he died.
Guess who was responsible?
The fitness trainer was responsible. He also did not have his own fitness instructor insurance.
The family of the deceased client sued the manufacturer of the supplements, the club and the fitness trainer.
Not only is the fitness trainer going to have to pay, the club he worked for (he was fired of course) will probably have to pay, and their insurance will also go after the fitness trainer to recoup their losses. Having fitness instructor insurance pays.
Amit Raju owns and operates http://www.maciasinsurance.com - focusing on Personal Liability Insurance.
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