{"id":3403,"date":"2017-05-31T05:44:24","date_gmt":"2017-05-31T04:44:24","guid":{"rendered":"https:\/\/www.totalcoaching.com\/blog\/?p=3403"},"modified":"2017-05-11T03:23:14","modified_gmt":"2017-05-11T02:23:14","slug":"personal-trainer-insurance","status":"publish","type":"post","link":"https:\/\/www.totalcoaching.com\/blog\/personal-trainer-insurance\/","title":{"rendered":"Personal Trainer Insurance: 4 Things Most Personal Trainers Miss"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":36,"featured_media":3414,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","tve_updated_post":"<div class=\"thrv_paste_content thrv_wrapper tve_empty_dropzone\"><p>I\u2019m sure you\u2019d agree that the information about personal trainer insurance is very confusing and makes you want to avoid the topic of insurance altogether.<\/p><div style=\"width: 600px\" class=\"thrv_wrapper tve_image_caption\"><span class=\"tve_image_frame\"><img class=\"tve_image\" alt=\"Personal Trainer Insurance\" style=\"width: 600px\" src=\"\/\/www.totalcoaching.com\/blog\/wp-content\/uploads\/2017\/05\/Personal-Trainer-Insurance-4-Things-Most-Personal-Trainers-Miss.jpg\" width=\"600\" height=\"300\" data-attachment-id=\"3415\"><\/span><\/div><p>By the end of this post, you will know why having insurance is one of the most important factors to being successful in the personal trainer and fitness industries.<\/p><p>This list of 4 often-overlooked items will put you on the right path to protecting either yourself as a personal trainer or your online or <a href=\"http:\/\/dannorris.me\/online-business-to-offline-business\/\" target=\"_blank\" class=\"\">offline fitness business<\/a>.<\/p><h2 class=\"\"><a name=\"_hncqznkhwyam\"><\/a><span class=\"bold_text\">1. Don't Miss the <span class=\"underline_text\">Two <\/span><span class=\"underline_text\">Categories<\/span> of Insurance That Apply to All Personal Trainers<\/span><\/h2><p>As a licensed life and health agent, when I think of the words \"personal trainer insurance\" I immediately think of <a href=\"http:\/\/www.starting-a-personal-training-business.com\/personal-trainer-professional-liability-insurance.html\" target=\"_blank\" class=\"\">protection for the trainer <\/a>and not the insurance required to <span class=\"bold_text\"><\/span>be a personal trainer.<\/p><p>However, I have found that 90% of the information online is only about the insurance that is required or recommended to be a personal trainer and not about how they can protect themselves.<\/p><p><span style=\"background-color: rgb(239, 232, 88);\">It\u2019s important to be able to distinguish between these two categories of insurance. Here is what to look for:<\/span><\/p><p><span class=\"bold_text\">Insurance for Yourself:<\/span><\/p><ul class=\"thrv_wrapper\"><li class=\"\">Insurance for yourself will only fall into two general categories - Life and Health insurance.<\/li><li class=\"\">The products will not mention anything about you as a personal trainer but more about you as an individual.&nbsp;<\/li><li class=\"\">A vast majority of the policies can be purchased online without the need of an agent.&nbsp;<\/li><li class=\"\">Other than having good or average health, there are usually no other requirements to get coverage.<\/li><\/ul><p><span class=\"bold_text\">Insurance for your Personal Training Business:<\/span><\/p><ul class=\"thrv_wrapper\"><li class=\"\">Insurance for your fitness business will fall into more of a property and casualty area of the insurance industry.<\/li><li class=\"\">You will see some products require you to be a certified personal trainer before they issue you a policy.<\/li><li class=\"\">Most of the time you will need to speak with an agent to get the best and most tailored results for your specific needs.<\/li><li class=\"\">How long you have been in business, and other factors will affect what types of coverages you can be approved for.<\/li><\/ul><p>As you can see, these are two different types of insurance.&nbsp;Both are needed, and are equally as important for being successful in a personal trainer career field.<\/p><h2 class=\"\"><a name=\"_frtqc1sqyhuz\"><\/a><span class=\"bold_text\">2. Don't Miss the <span class=\"underline_text\">3 Specific Types<\/span> of Insurance You <span class=\"underline_text\">Personally<\/span> Need<\/span><\/h2><h3 class=\"\"><a name=\"_b71heq7d9908\"><\/a><span class=\"bold_text\">a) Life Insurance<\/span><span class=\"bold_text\"><\/span><\/h3><p><a name=\"_ixohedizzzcb\"><\/a>It\u2019s paramount that you have life insurance.<br><br> If you don\u2019t know, there are only two types of life insurance: \"Term Life\" and \"Whole Life.\" <span style=\"background-color: rgb(239, 232, 88);\">However, for probably 90% of the population and especially a personal trainer you are going to want Term Life Insurance.<\/span><\/p><p><a name=\"_4ufk44he80p0\"><\/a>But don\u2019t take just my word for it.<\/p><p><a name=\"_kj5kzli1od9f\"><\/a>Over 41 personal finance experts gave their opinion about <a href=\"https:\/\/simplyinsurance.co\/term-life-vs-whole-life\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">Term Life Vs Whole Life<\/a>, and a winner has been chosen.<\/p><p><a name=\"_h1xr5i3u824d\"><\/a>I wrote a substantial post on why you should <a href=\"https:\/\/simplyinsurance.co\/buy-term-life-insurance-online\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">buy term life insurance online<\/a>. It really is the best way to purchase your insurance.<\/p><p><a name=\"_7nt4am22ystx\"><\/a>The majority of personal trainers are either <a href=\"https:\/\/outofyourrut.com\/7-reasons-to-be-self-employed\/\" target=\"_blank\" class=\"\">self-employed<\/a> or small business owners that have decided to go into business on their own for some reason.<\/p><p><a name=\"_533oy99ps1ik\"><\/a>It could be for more time with your family or to make your own schedule. However, the <a href=\"http:\/\/www.threethriftyguys.com\/2017\/03\/the-importance-of-having-life-insurance\/\" target=\"_blank\" class=\"\">importance of life insurance<\/a> is still the same.<\/p><p><a name=\"_7w0t656nztom\"><\/a><span style=\"background-color: rgb(239, 232, 88);\">If you were to pass away while building your business, it\u2019s best not to leave your family in any debt or in a worsened financial situation.<\/span><\/p><div class=\"thrv_wrapper thrv_custom_html_shortcode\"><blockquote class=\"twitter-tweet\" data-lang=\"en\"><p lang=\"en\" dir=\"ltr\">\"Who depends on me?\" is just 1 of 3 important life insurance questions we discuss here: <a href=\"https:\/\/t.co\/5I77fbTsgO\">https:\/\/t.co\/5I77fbTsgO<\/a> <a href=\"https:\/\/t.co\/iojZB68LOR\">pic.twitter.com\/iojZB68LOR<\/a><\/p>\u2014 Life Happens (@lifehappens) <a href=\"https:\/\/twitter.com\/lifehappens\/status\/861655740100038657\">May 8, 2017<\/a><\/blockquote>\n<code class=\"tve_js_placeholder\">[tcb-script async=\"\" src=\"\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"][\/tcb-script]<\/code><\/div><p><a name=\"_er7frns6zxfk\"><\/a>Here are the steps you need to take:<\/p><p><a name=\"_d0rfsxlunzu4\"><\/a><span class=\"bold_text\">To Purchase Online Only:<\/span><\/p><p><a name=\"_myw5kh8dv53f\"><\/a>Go directly to sites like <a href=\"https:\/\/simplyinsurance.co\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">simplyinsurance.co<\/a>, <a href=\"https:\/\/havenlife.com\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">havenlife.com<\/a>, <a href=\"https:\/\/www.ladderlife.com\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">ladderlife.com<\/a> (CA Only) and <a href=\"https:\/\/www.policygenius.com\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">policygenius.com<\/a>.<br><\/p><p><a name=\"_gc7nms6kj7h\"><\/a>They all have products or access to products that offer you the ability to buy insurance online immediately.<\/p><p><a name=\"_krfr98bbd495\"><\/a><span class=\"bold_text\">To Purchase Through An Agent:<\/span><\/p><p><a name=\"_lgmfbs5vgbvb\"><\/a>If you prefer the traditional route of buying life insurance and want to deal with an agent, places like <a href=\"https:\/\/www.insuranceblogbychris.com\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">insuranceblogbychris.com<\/a>, <a href=\"https:\/\/www.term4sale.com\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">term4sale.com<\/a> and, <a href=\"https:\/\/www.quotacy.com\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">quotacy.com<\/a> are the best sites to check.<\/p><p><a name=\"_tpof77vjbo5a\"><\/a>Keep in mind that if you go this route, an agent will call you so don\u2019t be alarmed.<\/p><p><a name=\"_g2zaz7tcfdoy\"><\/a><span class=\"bold_text\">Now:<\/span><\/p><p><a name=\"_hp27n5c3k5jp\"><\/a><span style=\"background-color: rgb(239, 232, 88);\">If you are unsure of the amount of coverage you should have, I always recommend purchasing, at the least, 20 times your annual income if you can afford it.<\/span><\/p><p><a name=\"_yo3hpoe1k51a\"><\/a>This will make sure that your family can cover your final expenses and make sure that they will be taken care of in the near future.<\/p><p><a name=\"_77xdgbi02e65\"><\/a>Life insurance is indeed essential when it comes to everyday living, but even more important for anyone who is self-employed or a small business owner.<\/p><h3 class=\"\"><a name=\"_hznq6n6hukpl\"><\/a><span class=\"bold_text\">b) Disability Insurance<\/span><\/h3><p><a name=\"_5dplxb3ltiwu\"><\/a>Having disability insurance allows you to replace some of your income when you are sick or injured and can\u2019t work.<\/p><p><a name=\"_du2trdcjq7u1\"><\/a><span style=\"background-color: rgb(239, 232, 88);\">Disability insurance is one of the best forms of protection against loss.<\/span><\/p><p><a name=\"_dghk4v1fa4md\"><\/a>According to the <a href=\"http:\/\/www.disabilitycanhappen.org\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">Council For Disability Awareness<\/a>, disability happens more often than we think. Over 1\/4 of today's 20-year-olds will become disabled before they retire.<\/p><p><a name=\"_jtmq542ou0hd\"><\/a><\/p><blockquote class=\"\"><a name=\"_c1b1bhpzpqwf\"><\/a>About 12% of the American population is disabled, and more than 50% of those disabled are in their working years (18-64).&nbsp;In December of 2012, there were over <span class=\"bold_text\"><\/span>2.5 million disabled workers<span class=\"bold_text\"><\/span> in their 20s, 30s, and 40s receiving SSDI benefits.<\/blockquote><p><a name=\"_iy6jnyhl9qg0\"><\/a><\/p><p><a name=\"_f2hznkvhu3cb\"><\/a>With those above facts, everyone really should have some form of disability insurance.<\/p><p><a name=\"_sbohoj4nv2bx\"><\/a>And since you're always lifting, pulling, squatting, and moving your muscles in ways that the average person probably never will, <span class=\"bold_text\">YOU<\/span>&nbsp;especially need to protect yourself from accidents.<\/p><p><a name=\"_688l9to4rd34\"><\/a>In doing so, you will make sure that both your personal and business life will be able to keep running if you are injured.<\/p><p class=\"bold_text\"><a name=\"_ct8g30k8rgsb\"><\/a>Disability insurance can cover things like:<\/p><ul class=\"thrv_wrapper\"><li class=\"\">Rent or Mortgage<\/li><li class=\"\">Car Note<\/li><li class=\"\">Utilities<\/li><li class=\"\">Cash Flow<\/li><li class=\"\">Gym Equipment<\/li><li class=\"\">Gym Memberships\u200b<\/li><\/ul><p><a name=\"_2fn3mvzak8ft\"><\/a><span style=\"background-color: rgb(239, 232, 88);\">There is no limit to what you can do with the funds from a Disability Insurance Policy.&nbsp;However, there is a limit to how long you can survive without receiving income due to an accident.<\/span><\/p><p><a name=\"_4o9tj2tkusm2\"><\/a><\/p><div class=\"thrv_wrapper thrv_custom_html_shortcode\"><blockquote class=\"twitter-tweet\" data-lang=\"en\"><p lang=\"en\" dir=\"ltr\">Do you know someone who believes this myth? Show them this video during Disability Insurance Awareness Month! <a href=\"https:\/\/twitter.com\/hashtag\/DIAM?src=hash\">#DIAM<\/a> <a href=\"https:\/\/t.co\/y2svBkQLvo\">https:\/\/t.co\/y2svBkQLvo<\/a> <a href=\"https:\/\/t.co\/YTEhKFfUVK\">pic.twitter.com\/YTEhKFfUVK<\/a><\/p>\u2014 Michael Gerber (@gerber_me) <a href=\"https:\/\/twitter.com\/gerber_me\/status\/862355152245850115\">May 10, 2017<\/a><\/blockquote>\n<code class=\"tve_js_placeholder\">[tcb-script async=\"\" src=\"\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"][\/tcb-script]<\/code><\/div><p><a name=\"_wf9lubhx9fqh\"><\/a><span class=\"bold_text\">How to get covered:<\/span><\/p><p><a name=\"_les3qk5hcdbn\"><\/a>Go to sites like <a href=\"https:\/\/www.policygenius.com\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">policygenius.com<\/a> or <a href=\"https:\/\/www.statefarm.com\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">statefarm.com<\/a> to get a quote and apply online.<\/p><p><a name=\"_tt2877x7ktxi\"><\/a>Each site will have a different type of disability product available, so choose the option that works best for you.<\/p><p><a name=\"_1okcud47qmp8\"><\/a><span class=\"bold_text\">And guess what:<\/span><\/p><p><a name=\"_wgurfdkwttkg\"><\/a>These policies also are pretty inexpensive.&nbsp;I have $100,000 in coverage for $36.00\/month.<\/p><p><a name=\"_ck2ba3b6fumb\"><\/a><\/p><p><a name=\"_ayubfw6s30ye\"><\/a><span style=\"background-color: rgb(239, 232, 88);\">Remember, insurance companies do not give discounts on their rates.&nbsp;Places that supposedly offer special discounts aren\u2019t being honest.<\/span> <\/p><p>For example, all American insurance companies are regulated by their state and won\u2019t be giving any discounts.<\/p><p><a name=\"_is33x9qznwua\"><\/a><\/p><p><a name=\"_r3cg3c4b6ru0\"><\/a><\/p><h3 class=\"\"><a name=\"_3qwui4alzr7u\"><\/a><span class=\"bold_text\">c) Health Insurance<\/span><\/h3><p><a name=\"_74hv3xpfuwsk\"><\/a>Health insurance is going to be a major factor of your success.<\/p><p><a name=\"_8iz0xlwhsvkz\"><\/a><span style=\"background-color: rgb(239, 232, 88);\">You don\u2019t want to go into a financial downturn or be too sick to keep your business going all because you have no health insurance.<\/span><\/p><p><a name=\"_xrrp8ekr87g7\"><\/a>According to the <a href=\"https:\/\/www.google.com\/url?q=https:\/\/www.nerdwallet.com\/blog\/health\/managing-medical-bills\/nerdwallet-health-study-estimates-56-million-americans-65-struggle-medical-bills-2013-2\/&amp;sa=D&amp;ust=1494036175922000&amp;usg=AFQjCNFMWNLFxwwb95ubmQlmAuwWERH6cQ\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">NerdWallet Health Division<\/a>, medical bills are the leading cause of personal bankruptcies.<\/p><p><a name=\"_1jamp9rtum1m\"><\/a><span class=\"bold_text\">Doesn\u2019t that just blow your mind?<\/span><\/p><p><a name=\"_r38nu59fovf7\"><\/a>That means that not having health insurance is almost a sure way to find yourself in a financial bind.<\/p><p><a name=\"_km33ypjxwrgv\"><\/a>The easiest way to get covered is through your current employer if you still work a full-time job. But if you\u2019re <a href=\"http:\/\/www.carefulcents.com\/health-insurance-for-self-employed\/\" target=\"_blank\" class=\"\">self-employed<\/a>, you\u2019ll have to search for a great deal on health insurance.<\/p><p>For example, if you\u2019re an American personal trainer, a great place to find health insurance is through the <a href=\"https:\/\/www.healthcare.gov\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">Health Insurance Exchange<\/a>.&nbsp;<a name=\"_vzkcs858yqes\"><\/a>To get coverage through the exchange, go to<a name=\"_efpx06ybulwq\"><\/a> <a href=\"https:\/\/www.healthcare.gov\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">https:\/\/www.healthcare.gov<\/a> and follow the steps shown.<a name=\"_3ck79j7sq9ig\"><\/a><\/p><p><a name=\"_z6v6s7ska02p\"><\/a>And for those who are not American, look for something similar that applies to your country.<\/p><blockquote class=\"\" style=\"margin-bottom: 30px !important;\">Note: When it comes to becoming a success and maintaining that success, these 3 products (life, disability, and health insurance) will continue to be an essential part of your life. Don\u2019t waste any time; if you don\u2019t have these coverages, get them today.<\/blockquote><h2 class=\"\"><a name=\"_4f5eimhdim62\"><\/a><span class=\"bold_text\">3. Don't Miss the 3 Types of Insurance That Are&nbsp;<span class=\"underline_text\">Crucial For Your Online Fitness Business<\/span>&nbsp;<\/span><\/h2><div class=\"thrv_wrapper thrv_custom_html_shortcode\" style=\"margin-bottom: -10px !important;\"><iframe src=\"https:\/\/giphy.com\/embed\/OqCZgQySXvaP6\" width=\"600\" height=\"420\" frameborder=\"0\" class=\"giphy-embed\" allowfullscreen=\"\"><\/iframe><p><a href=\"https:\/\/giphy.com\/gifs\/news-compliancex-regulatory-OqCZgQySXvaP6\"><\/a><\/p><div class=\"tve_iframe_cover\"><\/div><\/div><p class=\"tve_p_center italic_text\">Lawsuits. They're the last things you're looking for, so get the proper insurance!<\/p><p>Being an online personal trainer is becoming the best option for most personal trainers.&nbsp;I\u2019m not surprised by this since everything you can think of is transitioning its way to an online platform.<\/p><p><span style=\"background-color: rgb(239, 232, 88);\">However, you still need insurance for this business.<\/span><\/p><p>I advise getting more insurance and several types of insurance if you plan to have an online fitness business because you open yourself up to more scrutiny and have a much <a href=\"http:\/\/lesseverything.com\/business-advice\/small-business-lawsuit\/\" target=\"_blank\" class=\"\">higher likelihood to be sued\ufeff\ufeff\ufeff <\/a>because you are working with more people.<\/p><p><span class=\"bold_text\">Hear me out:<\/span><\/p><p>Most people are going online for volume.&nbsp;If you can <a href=\"https:\/\/www.totalcoaching.com\/blog\/scalable-income-personal-trainers\/\" target=\"_blank\" class=\"\">put your training course online<\/a>, create a system or purchase one that makes things automated.<\/p><p>All you have to do is keep your workouts and content fresh, <a href=\"http:\/\/www.twelveskip.com\/marketing\/strategies\/1425\/market-your-business-online\" target=\"_blank\" class=\"\">do some great marketing<\/a>, and you can have an unlimited amount of customers.&nbsp;If you obtained ten new clients a month, by the end of the year, you are helping out 120 people.<\/p><p><span style=\"background-color: rgb(239, 232, 88);\">But at the same time, you can see how easily the wrong information, misinformation, or even a mistake could take you out if you don\u2019t get covered.<\/span><\/p><p>Along with establishing some form of corporation, either an LLC or S. Corp, you want to have 360 degrees of coverage and here\u2019s how:<\/p><h3 class=\"\"><span class=\"bold_text\">a) General Liability Insurance<\/span><\/h3><p>General Liability Insurance offers an overall general protection for when people other than your employees get hurt or have their property damaged on your premises.<\/p><p class=\"bold_text\">This insurance usually will cover things like:<\/p><ul class=\"thrv_wrapper\"><li class=\"\">A visiting client trips over a power cord and breaks their wrist (covered).<\/li><li class=\"\">You tweet about how annoying it was to work with a customer. They sue you for defamation (covered).<\/li><li class=\"\">You spill a drink on a customers\u2019 laptop. They sue for the cost of replacing it (covered).<\/li><\/ul><h3 class=\"\"><span class=\"bold_text\">b) Professional Liability Insurance<\/span><\/h3><p>This insurance is also known as <a href=\"http:\/\/www.techinsurance.com\/errors-and-omissions-insurance\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">Errors &amp; Omissions Insurance<\/a> and is coverage that every insurance agent must own.<\/p><p class=\"bold_text\">It's a business insurance policy that covers you if a client says you:<\/p><ul class=\"thrv_wrapper\"><li class=\"\">Showed them an improper technique in your personal training videos.<\/li><li class=\"\">Mismanaged a project or missed a deadline.<\/li><li class=\"\">Were negligent in delivering your professional services.<\/li><li class=\"\">Provided shoddy, incomplete, or incorrect work.<\/li><li class=\"\">Lied about how a product or service would work.<\/li><\/ul><p>So anytime there\u2019s a client lawsuit essentially saying \u201cYou messed up,\u201d your Professional Liability coverage will protect you.<\/p><h3 class=\"\"><span class=\"bold_text\">c) Third-Party Cyber Liability Insurance<\/span><\/h3><p>One area that should be vital for an online personal trainer is the protection of their clients' information.&nbsp;This is where Third-Party Cyber Liability Insurance comes in.<\/p><p>This coverage protects you in the event your client\u2019s data is compromised, not your own.&nbsp;<\/p><p class=\"bold_text\">When that happens, and a client sues you, third-party coverage can pay for:<\/p><ul class=\"thrv_wrapper\"><li class=\"\">Attorneys to defend your company.<\/li><li class=\"\">Settlement costs (to resolve the lawsuit amicably).<\/li><li class=\"\">Court-ordered damages (if you\u2019re found liable).<\/li><li class=\"\">Miscellaneous court costs.<\/li><\/ul><p>With there being so much information stored in the cloud and on servers, it\u2019s important to make sure that you are protected if a data breach happens.<\/p><p><span style=\"background-color: rgb(239, 232, 88);\">Trust me, it\u2019s going to be great having 100 clients paying every month; however, if their data is hacked and you don\u2019t have a plan, you can lose everything.<\/span><\/p><p>There is an excellent post by Techinsurance titled <a href=\"http:\/\/www.techinsurance.com\/blog\/consultant-liability\/When-to-Buy-IT-Consultant-Insurance\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">When To Buy IT Consultant Insurance<\/a> which I think is a great read if you are still not sure if this solution is for you (I am not affiliated with Techinsurance in any way, however, after doing a solid amount of research they seem to be the best source to help you obtain this type of coverage).<\/p><p>Just be sure to <a href=\"http:\/\/www.techinsurance.com\/\" class=\"\" target=\"_blank\" rel=\"\" data-tcb-events=\"\">Choose the Fitness Instructor Option<\/a>. In all honesty, you need this coverage even if your fitness business is offline.<a name=\"_k2p0fzvvt4bg\"><\/a><\/p><h2 class=\"\"><span class=\"bold_text\">4. Don't Miss the Trust Factor You Gain with the Right Insurance<\/span><\/h2><div class=\"thrv_wrapper thrv_custom_html_shortcode\"><blockquote class=\"twitter-tweet\" data-lang=\"en\"><p lang=\"en\" dir=\"ltr\">The Psychology of Marketing: 18 Ways to Use Social Proof to Boost Your Results <a href=\"https:\/\/t.co\/EaNsnMZUFw\">https:\/\/t.co\/EaNsnMZUFw<\/a> <a href=\"https:\/\/t.co\/iX2EsPersX\">pic.twitter.com\/iX2EsPersX<\/a><\/p>\u2014 The Multimedia Ninja (@bradfordrogers) <a href=\"https:\/\/twitter.com\/bradfordrogers\/status\/862392844652294145\">May 10, 2017<\/a><\/blockquote>\n<code class=\"tve_js_placeholder\">[tcb-script async=\"\" src=\"\/\/platform.twitter.com\/widgets.js\" charset=\"utf-8\"][\/tcb-script]<\/code><\/div><p>When you are building a business, especially when you are just starting, one of the most important pieces of being successful will be social proof.<\/p><p><span style=\"background-color: rgb(239, 232, 88);\">Social proof is something on your website or business card that shows other people have already trusted you for whatever service you offer.<\/span><\/p><p>You can learn more about social proof by reading <a href=\"https:\/\/blog.kissmetrics.com\/social-proof-factors-2\/\">this post by Neil Patel<\/a>. It will play a major role in how quickly prospective clients grow to trust you.<\/p><p>However, it\u2019s going to be <a href=\"https:\/\/www.professionalcontentcreation.com\/how-to-get-good-testimonials\/\" target=\"_blank\" class=\"\">hard for people to believe in you<\/a> when you have no proof that anyone else believes in you...<\/p><blockquote class=\"\" style=\"margin-bottom: 30px !important;\">One thing that will get people to trust you more and build your social proof is showing people that not only will you get them in shape, but you also take responsibility for their safety and well-being.<br><\/blockquote><p>I always find it odd to see an overweight basketball or football coach, or a hairdresser whose hair is never done, or a barber who never gets a haircut.<\/p><p><span style=\"background-color: rgb(239, 232, 88);\">It\u2019s hard to believe these people are offering services that they themselves aren\u2019t using. And it's even harder to support them.<\/span><\/p><p><span class=\"bold_text\">So here is what you do:<\/span><\/p><p>Get insured both personally and professionally, and use the methods shown above to get covered.<\/p><p>Use words like \u201c<span class=\"bold_text\">Certified<\/span>\u201d and \u201c<span class=\"bold_text\">Insured<\/span>\u201d on your website and business cards.&nbsp;Dedicate a section to insurance in your \u201c<span class=\"bold_text\">About<\/span>\u201d section or give it its own page.&nbsp;On this page, explain why insurance is a major factor in health and fitness. Talk about the insurance coverages you have on yourself.<\/p><p>If you follow those simple steps, people will respect your openness and honesty and more people will reach out to you for services.<\/p><h2 class=\"\"><a name=\"_hkuj2sc0rglt\"><\/a><span class=\"bold_text\">Don't Worry - You Haven\u2019t Dropped the Ball<\/span><\/h2><p>It\u2019s easy to miss any of these things when it comes to personal trainer insurance, so don\u2019t feel like you have dropped the ball if you are missing any or all of the above coverages.<\/p><p><span style=\"background-color: rgb(239, 232, 88);\">Insurance is one of the easiest things to forget, evade, and avoid, so be sure not to procrastinate and see the whole process through when you start looking for coverage.<\/span><\/p><p>If you ever find yourself needing this coverage, you are going to be glad you read this post and decided to get covered.<\/p><h3 class=\"tve_p_center\">Feel ready to tackle insurance? Share this with other PTs, and discuss your insurance tips and questions in the comments!<\/h3><\/div>","tve_custom_css":"","tve_user_custom_css":"","tve_globals":{"e":"1","font_cls":[]},"tcb2_ready":0,"tcb_editor_enabled":0,"tve_landing_page":"","_tve_header":"","_tve_footer":""},"categories":[1,72],"tags":[],"_links":{"self":[{"href":"https:\/\/www.totalcoaching.com\/blog\/wp-json\/wp\/v2\/posts\/3403"}],"collection":[{"href":"https:\/\/www.totalcoaching.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.totalcoaching.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.totalcoaching.com\/blog\/wp-json\/wp\/v2\/users\/36"}],"replies":[{"embeddable":true,"href":"https:\/\/www.totalcoaching.com\/blog\/wp-json\/wp\/v2\/comments?post=3403"}],"version-history":[{"count":31,"href":"https:\/\/www.totalcoaching.com\/blog\/wp-json\/wp\/v2\/posts\/3403\/revisions"}],"predecessor-version":[{"id":3440,"href":"https:\/\/www.totalcoaching.com\/blog\/wp-json\/wp\/v2\/posts\/3403\/revisions\/3440"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.totalcoaching.com\/blog\/wp-json\/wp\/v2\/media\/3414"}],"wp:attachment":[{"href":"https:\/\/www.totalcoaching.com\/blog\/wp-json\/wp\/v2\/media?parent=3403"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.totalcoaching.com\/blog\/wp-json\/wp\/v2\/categories?post=3403"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.totalcoaching.com\/blog\/wp-json\/wp\/v2\/tags?post=3403"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}