If you are a certified CrossFit instructor, trainer, or coach, then you have committed yourself to helping people reach their fitness goals. However, it’s no secret that your job carries some risks. Whether you are an independent instructor or work for a larger fitness institution, it’s important that you safeguard against these risks with the right insurance coverage. Here’s what you need to know about insurance for CrossFit instructors. General Liability Coverage As a CrossFit trainer, general liability coverage is perhaps the most important type of insurance that you need to carry. This type of policy will provide coverage in the event that you or your business is accused of causing bodily injury or damage to a third party. General liability insurance can cover the cost of medical treatment and property repairs and, if the affected party should file a lawsuit, can even cover the cost of your legal defense. Coverage for Additional Insureds If you are an independent instructor that works out of a larger facility, then the facility will likely require you to list them as an “additional insured†on your general liability policy. This will ensure that the facility receives coverage in the event that you inadvertently cause injury or damage to another party. Additional Professional Liability Coverage As a certified instructor, clients will likely come to you for advice and guidance. If you put together a workout plan for them or offer them advice and they end up injuring themselves while following your guidance, you can be held liable for their injuries. The best way to protect against this risk is by getting professional liability insurance (aka errors and omissions insurance). This is what you need to know about insurance coverage for CrossFit instructors. Interested in getting the right coverage for your business operations? Then don’t hesitate to turn to the experts at John E. Peakes Insurance Agency. We are ready to get you the right policies to meet your needs. Contact us to get started today.
