Being a personal trainer is really difficult. It may look really glamorous and exciting, but it takes years of dedication and hard work to be a good personal trainer.

Firstly, you need to get certified as a personal trainer – from an accredited organization such as the National Strength and Conditioning Association, which offers some of the world’s best trainer certification courses – and also the toughest. You need a 4-year graduate degree just to qualify for this course. Another really famous organization is American Council on Exercise is considered one of the best for general fitness training. However, you need to get re-certified every two years. (For the complete list of the most accredited organizations you can visit Top 10 Best Personal Trainer Certifications.)

Then, if you are planning to start your own personal fitness business, you need to decide on what kind of a business structure you are going to follow. Do you want it to be a home based business or will you have your own gym; do you want it to be a sole proprietorship, an LLC, a cooperative, etc. A hand guide to helping you decide what kind of a business you want to start is Small Business Administration.

Now, no matter how hard you try, there can be liabilities. Whether you like it or not, today, people sue for the smallest of reasons, a lot of times those reasons are not justified.

One of the most common reasons for libel is the client claiming that he or she did not receive adequate instruction during training, which consequently led to injury. Educating your clients becomes critical to avoiding injury as much as possible. A lot of times, the client may not tell you the extent of his or her discomfort. It is your job as a trainer to communicate with them about what is normal discomfort associated with learning a new exercise and what could be a warning of injury.

The type of insurance you get will depend on the type of training you plan to offer. Most certification institutes have tied up with insurance companies to provide insurance coverage for their trainers. However, a lot of these larger insurance companies can be expensive and they also expect a lump-sum payment once a year. As a startup, you may not have the funds to shell out such a large amount of money in one go. A lot of times, the larger insurance companies are not even willing to insure a startup venture and you will simply get a ‘no’.

An alternate solution to going to a large insurance company is to target online insurance startups like Next Insurance. A company like Next Insurance offers specifically designed insurance packages for professions rather than businesses. This means, they don’t look at you as a small business, they look at you as a personal training business and offer you a specific liability insurance for personal trainers customized for your needs. Their insurance plan to what you would need based on what you plan to do. So, if you are a personal trainer, or a yoga instructor or a golf instructor, your insurance plan will be tailored to your needs.

Another thing that makes such companies easier to deal with is the fact that you get a decision on your insurance application really quickly. According to some customers, they received their insurance within 24 hours of application. Another facility they offer is monthly payment options. This works really well for startups and small businesses.

When you are starting off your own personal training business, you need to ensure that all your liabilities are protected so that you can concentrate on what you really want.


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