Most fitness claims involve tripping over equipment. Another common cause is clients pushing themselves past their limit, believing they can do one more bench press or try new exercises without proper training after watching Youtube and Instagram videos. If you have come across these problems while working with fitness clients, you can quickly find yourself needing a fitness insurance policy.
The fitness industry is full of different techniques and different categories. It is important to know what types of clients you can and cannot train. Some common exclusions include professional athletes, minors and certain types of exercises that usually include aerial or aquatic components. Discuss thoroughly with your broker what your fitness insurance policy does not include.
Bodily injury to your sports and fitness clients can be troublesome even if a claim is not made immediately, because they are allowed to make claims up to two years from the reported date of injury. This means you can be faced with a lawsuit related to a fitness claim years after going out of business or changing your profession.