If you are working with a personal trainer, whether they are an independent contractor or they are an employee of a gym, they will likely be covered by insurance. An independent trainer may directly buy their own insurance for themselves or their business. A gym may also buy insurance to cover their trainers. This insurance is meant to protect trainers and gyms in the event of an accident or injury that takes place during a training session. If you are injured in the gym, and you think that your trainer may be at fault, you can file a personal injury lawsuit against them. However, keep in mind that in many cases, you will be dealing with their insurance company. You can learn more about common types of personal trainer insurance on this page.
Common Forms of Insurance
There are a few common types of insurance that personal trainers might invest in in an attempt to protect themselves from lawsuits. One of the most popular forms of insurance is general liability insurance. This type of insurance is specific to personal trainers. It can protect the trainer from injuries resulting from slip and fall accidents in the gym.
One type of insurance that will generally cover damages in a personal injury case is professional liability insurance. This is another type of insurance that is specific to personal trainers and the fitness industry. In the event that a client such as you are injured during a training session, professional liability insurance can pay for your medical expenses, pain and suffering, inability to work, and more.
Umbrella liability is another form of insurance that you may have to deal with when suing a personal trainer. Umbrella liability can help a personal trainer cover the costs of paying compensation to a client in case their professional liability insurance doesn’t cover all of the damages. If you get compensation from your trainer, it will likely be paid for through professional liability insurance, umbrella liability insurance, or a combination of the two.
Also consider product liability insurance. Many gyms might invest in this type of insurance in order to protect their equipment. If certain gym equipment is defective, product liability insurance can protect them against issues with the equipment. Personal trainers may also invest in product liability insurance to protect any products that they sell. If you are injured in a gym because of faulty equipment or if you buy a product that harms you, you may receive compensation through product liability insurance.
If you are injured during a training session or in a gym, consider seeking compensation to pay for your medical bills, time that you have to miss from work, and more. Not sure if you have a solid case, or how to proceed with a personal injury lawsuit? We can help! Get in touch with our office and we will find the right personal injury lawyer to help with your situation. Call us today to set up a free consultation in which we can answer all of your questions!