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Professional Indemnity Insurance For Personal Trainers

You have worked hard to gain a personal training qualification and build a client base, so it makes sense to protect your reputation and livelihood. The risks of running a personal training business are many and varied and if you do not take steps to protect your business from harm, you may find yourself out of luck and out of pocket.

As a personal trainer, you will need to consider taking out professional indemnity insurance, or PI for short. This type of insurance will provide you with a safety net in the event you make an error in your work. Imagine, for example, that a client followed your instructions, sustained an injury and then decided to sue you for it. Whether the injury was the direct result of your erroneous advice or sheer bad luck, you would have to spend time and money defending yourself – unless, of course, you had professional indemnity insurance.

A PI policy could protect you from the financial consequences of a lawsuit, even if you were at fault. It would help you to pay for a lawyer, who would use his or her skills and experience to limit the damage to your livelihood. Fortunately, finding cover is extremely easy. All you need to do is ensure that your chosen policy covers your needs.

Fitness training - what could possibly go wrong?

Personal trainers provide a valuable service by helping people to lose weight, increase strength and improve their overall fitness levels. They provide some much needed encouragement when an individual is lacking the motivation to stick to a fitness plan. Personal trainers are also there to offer professional advice and ensure that the client is working out safely at all times. Unfortunately, accidents and blunders do happen, and some personal trainers have made some seriously bad decisions that have even resulted in clients being injured. We take a look at some problems that have been created by personal trainers around the world.

Squat Nightmare

One personal trainer was helping a fit female client complete some heavy high box squats. These squats were 15" high and they had 155lbs on the bar. As she was slowly doing these squats he noticed that she wasn't arching her back hard enough during the lift, something which could lead to injuries if not corrected. While she was still in set he asked her to "arch her lower back more". The client confused arch with flex and mistakenly rounded her lumber spine. This movement combined with the heavy weight on the bar led to a herniated disc and the client not being able to train for a whole month. Even though it was the clients that confused the instructions, the personal trainer should have given her the instruction while she was not lifting to prevent any confusion.

Good Workout Common Mistake

One error that many personal trainers around the world can relate to is that of the "good workout" fault. Bret is a personal trainer who took on a fairly fit female client. During his first workout session with her she complained that she liked to be pushed harder and that the exercises were not tough enough for her fitness level. So he instantly adapted the work out to include a number of more physically taxing exercises which the client appeared to enjoy and complete without any issues. Unfortunately, the next day she sent him a message saying that she has never been so sore and that she wont be coming back to use his personal training services.

This problem can be tough for a personal trainer as you have to be able to identify when a client can really handle some more and when you are actually pushing them too hard. Failure to get this right could potentially lose you a client - or worse.

Stability Ball Fall

Personal trainer Nick made a huge misjudgement when one day he thought it would be a good idea to ask his client to lift weights while on a stability ball. All trainers will know that it is imperative to have stability in order to safely and successfully lift any type of weight. So this error injured his client and also gave him a bad reputation within the industry. As a personal trainer you always need to have a clear mind in order to make the right decisions for your client.

Blast Strap Blunder

Checking that equipment and machinery is set up correctly is an essential part of making sure that the client is safe during the workout. One personal trainer made a big blast strap mistake. Although he had set up the straps thousands of times before, this time he made an error with the way that he had looped them. When a client was right in the middle of the set the blast straps completely failed. This resulted in the client falling to the ground and also obtaining a small scrape on her nose as the metal clip hit it. Despite being shook up she was understating of the mistake and chose to stick with the personal trainer. However, this incident could of been much worse had she landed on her back the wrong way or had the metal clip struck her in the eye. This is why it is so essential to have machines regularly inspected by a professional (particularity at gyms) plus to also double check that everything is properly set up.

These are just a few of the many mistakes that have been made. In order to prevent these from happening a personal trainer should have been properly trained by the right governing bodies, plus they must always keep eye on their client and ensure that communication is clear as to not create any mix-ups. You can also limit financial damage or be protected in the event of disputes or claims made against you by having a quality professional indemnity insurance policy in the event that a misjudgement is made during one of your sessions. Good luck!

Prudent Plus Ltd is an introducer appointed representative of Seopa Ltd, of Blackstaff Studios, 8-10 Amelia Street, Belfast, BT2 7GS which is Authorised and Regulated by the Financial Conduct Authority number 313860. These facts can be checked by visiting the FCA website.

We do not give financial advice on this website. If in doubt get professional advice and always read the policy information before purchasing an insurance contract.