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How General Liability Insurance Can Protect Fitness Instructors, Athletic Trainers, and Personal Trainers from Freak Accidents

6. February 2014 11:32

Four humans lifting weights

A few weeks ago, reported on a CrossFit athlete who was paralyzed after severing his spine during a competition in Southern California at the OC Throwdown.

A video of the accident, which is available on, spurred a lot of “mis-information and speculation,” according to the OC Throwdown website, which prompted event officials to release an official statement regarding their liability:

“The OCT procured the proper liability insurance which is mandatory for this type of event. We had all necessary state, county, and engineering licenses in place.”

And it’s a good thing they did. When a tragic accident like this happens, people tend to want to point fingers and blame someone for the tragedy. Usually the person blamed ends up being whoever was in charge of the event.

The Benefits of General Liability Insurance

Perhaps more than many small business owners, fitness instructors, athletic trainers, and personal trainers are at a greater risk for General Liability Insurance claims simply because of the nature of the job. Exercise and physical exertion can lead to injuries – and if those injuries happen at your place of business, you could be found liable for them.

Remember, General Liability benefits include financial coverage for certain events, including those involving third-party…

The above describes the kind of small business insurance fitness instructors and personal trainers need for everyday operations. But what if you’re planning a special event – a smaller-scale fitness competition like the OC Throwdown or a 5k fundraiser?

In that case, you may want to look into Special Events Insurance, a kind of temporary General Liability Insurance. This is likely the kind of insurance the OC Throwdown website was referencing in the quote.

And yes – sometimes, you may even be required by law or by your venue to carry Special Event coverage, just as the OCT was. (For more information on Special Event Insurance, read “How (and When) to Purchase Special Event Insurance” and “Special Event Insurance for Nonprofit Organizations” on our blog.)

How Commercial General Liability Insurance Works for Fitness Instructors and Personal Trainers

Now that you know how Commercial General Liability Insurance can benefit fitness instructors and personal trainers, you’re probably curious about how the coverage works – just in case a freak accident should befall your gym. Here’s what you need to know:

For more business and insurance news about fitness instructors and personal trainers, check out “2014 Trends for Fitness Instructors and Trainers” on our blog.


Allied Health Insurance | General Liability Insurance | Insurance News

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