Why do athletic trainers need business insurance?
Athletic trainers provide sports medicine services, but accidents are bound to happen. Athletic training clinics and solo practitioners need a risk management plan to be prepared for lawsuits and injuries. Liability insurance for athletic trainers covers unexpected costs so you can have peace of mind as you work.
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Insureon helps athletic trainers compare small business insurance quotes from top U.S. carriers online.
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What types of business insurance do athletic trainers need?
These insurance policies cover common risks faced by athletic trainers.
General liability insurance
A general liability policy covers basic third-party risks, such as an injury from a patient tripping in your office. Bundle it with property insurance for savings in a business owner's policy (BOP).
- Patient bodily injuries
- Damaged patient property
- Libel and other advertising injuries
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage under one plan. It's often the most cost-effective type of commercial insurance for athletic trainers.
- Slip-and-fall accidents
- Damaged patient property
- Business property damage and theft
Professional liability insurance
Professional liability insurance covers legal defense costs if a patient sues an athletic trainer for a work mistake, such as advice that worsens an injury. It’s sometimes referred to as errors and omissions insurance (E&O).
- Failure to improve a client’s condition
- Accusations of negligence
- Mistakes or oversights (e.g., failing to administer first aid)
Workers’ compensation insurance
Most states require workers' comp for businesses with employees. It covers medical payments and loss of earnings from work-related injuries. It also protects sole proprietors from medical costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Lawsuits over employee injuries
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a vehicle owned by your athletic training business. Each state has its own requirements for auto liability insurance.
- Property damage caused by your vehicle
- Lawsuits from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps your athletic training company recover from data breaches and cyberattacks. It's strongly recommended for any business that stores customer information.
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
How much does business insurance cost for athletic trainers?
A small athletic training clinic will pay less for insurance coverage than a larger business.
Factors that affect athletic trainer business insurance costs include:
- Athletic training services offered, such as sports rehabilitation
- Exercise equipment and other business property
- Business income
- Business location
- Types of insurance purchased
- Deductibles, policy terms, and other coverage options
How do I get athletic trainer insurance?
It's easy to get business insurance for athletic trainers, personal trainers, and physical therapists if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance plan for your athletic training professional services, whether you’re looking to start a training business or run an existing clinic with multiple athletic trainers.
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