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4 Liability Insurance Terms Trainers Need To Know

By Joe Cannon Leave a Comment

So, you’ve decided you need fitness insurance  as a professional in the fitness industry. As you might already know, the process of applying for coverage and understanding your policy can be confusing. To make your application process a bit easier, let's break down the points of various terms you may encounter when purchasing personal trainer liability insurance. Also see my other review of personal trainer insurance.

 

1. Professional Liability Insurance

This policy provides coverage for claims or lawsuits that arise in the provision of professional services, or when professional services are administered, as a fitness professional. Sometimes referred to as “Malpractice Insurance” or an “Errors and Omissions” policy, with this coverage you’re protected, if, for example, a client alleges negligence during a session.

2. Occurrence Form Coverage

There are two types of Professional Liability Insurance policies: Occurrence Form Coverage and Claims-Made Coverage. Occurrence Form Coverage offers lifetime coverage for the policy period. In layman’s language, if you were insured when an incident happens, which results in a claim or suit against you, you can seek coverage under your policy. This holds true, even if you can your policy or allow your policy to lapse.

3. Claims-Made Coverage

A Claims-Made Insurance policy provides coverage for claims that occur while the policy is in effect. Typically, the policy will start with a lower premium, which increases as liability increases over time.

4. Tail Coverage

Tail Coverage is a term you may encounter with Claims-Made coverage. You can purchase Tail Coverage, in order to extend the amount of time you can report a claim after the policy expiration date of a Claims-Made policy. A “tail” is also known as an “Extended Reporting Period.”

 

Save yourself some stress and get up to speed on the basics of your insurance policy!

Information provided by CPH and Associates

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I'm Joe Cannon. I hold an MS in exercise science and a BS in chemistry and biology.

I've been quoted in the New York Times and Daily Beast to name a few. I've even lectured to the NASA community.

I'm the author of the first book on rhabdomyolysis (rhabdo) & exercise. I've conducted over 1,000 fitness certification classes.

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Joe Cannon, MS has written for several publications including The Journal of Strength and Conditioning, Today's Dietitian, and Prevention. He's been quoted in the New York Times, lectured to NASA and has been a content consultant for Dateline NBC. He's the author of the first book ever published on rhabdomyolysis and exercise. Joe Cannon, has a BS in Chemistry and Biology and a MS in Exercise Science. He is a Certified Strength and Conditioning Specialist (CSCS) and a personal trainer certified by the National Strength and Conditioning Association (NSCA).
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