In case you're working in a teaching or Trainer role in the fitness business, for example, Personal Trainer, a Coach in a Fitness Center, a Health Club instructor or anything like that, you are accountable for the safety and health of the people you are coaching or training. Despite how careful you are to offer a safe training atmosphere, there is likelihood that somebody under your supervision could get injured. That injury may be long term or permanent. If this occurs, based upon the circumstances, they might be entitled to claim compensation for the loss from you.
Shifting Financial Obligation
If the injury is of serious nature that influence their quality of life in the long term or leave them unable to work and earn a living, you could be obligated for the expenses of their medical care and loss of income. Maybe you will spend all your life compensating them out of your own pocket.
It is for exactly this reason you require some type of Personal Trainer Insurance policy whenever you provide training of any kind in the fitness business. With this any compensation claims made by people you are accountable for will happen against your insurance provider, instead of you.
This is not only common sense, also a legal requirement. Personal Trainers, based on their situations, may not be able to provide compensation to claimant for a long period of time. This may be disastrous for the trainer. He/She may spend their career attempting to meet an obligation. Moreover, it will leave the claimant without means to maintain their quality of life, in case they are unable to earn an income because of a serious injury or health problem. That is why according to law anyone managing Fitness business or providing fitness coaching is required to have an insurance policy with a registered insurance provider.