Top Rated Liability Insurance
NACAMS bundles everything you need into one incredibly comprehensive policy at one unbelievably affordable price.
For just $179
What Does A NACAMS Policy Include?
NACAMS insurance offers vast coverage under one policy for comprehensive liability coverage for your financial assets. With 25 years of trust in the fitness and wellness industry, NACAMS customers are the best protected & cared for in the industry.
Every policy includes A rated professional & general liability coverage for in-person, online, at home group and individual classes. In addition we have over $700 in member benefit discounts like a free month of Betterhelp therapy, discounts on pet insurance, and access to health insurance coverage for you and your family.
How Much Does An Annual Policy Cost?
Comprehensive, cost-effective coverage, so you can focus on helping your clients in their fitness journey. Our upfront pricing model allows you to decide what policy is best.
Full Time
1 Year
$179
Full Time
2 Year (saves you $29!)
$329
Student
1 Year
$60
Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first certification program. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their program, and that policy is good for the next 364 days, even if you are providing services full-time!
Why Do You Need Liability Insurance?
Potential liability risks insurance can shield you from:
You may inadvertently contribute to a client’s injury or harm during a session. Such incidents could be considered malpractice, leaving the professional legally liable. Professional liability insurance offers protection by covering legal expenses and potential settlements in these situations.
In many practice environments, there’s a risk of clients slipping, tripping, or falling, potentially resulting in injuries. Personal training liability insurance includes general liability coverage to protect you if a client is injured during their session. For instance, if a client trips over equipment and sprains their wrist. Even if you weren’t directly involved, the client was under your care, which could leave you vulnerable to a lawsuit.
Liability insurance can help protect you if a client experiences adverse effects from a product used in their practice, such as cleaning supplies or equipment. With professional and general liability insurance, coverage can extend to medical costs if a client files a lawsuit due to incidents like an allergic reaction, ensuring financial protection and peace of mind.
In today's digital era, protecting personal information is crucial. Professional liability insurance includes coverage for identity protection, shielding you from the repercussions of identity theft. If your personal information is compromised, resulting in fraudulent activities or financial loss, this coverage provides financial assistance and support to help restore your identity and minimize the associated damages
Fitness professionals often share their practices and expertise through various platforms, including online channels. If a kinesiologist’s statements regarding their methods, training, or services are interpreted as libelous or slanderous by a client, peer, or colleague, liability insurance serves as a safeguard, offering protection against potential legal claims and associated risks.
Included Member Benefits
But wait, there's more! With NACAMS, you get access to exclusive member benefits that will make your journey even more rewarding.
Portable Coverage
Plus, our student insurance covers you not only during your school activities but also during in-clinic and outreach programs. It's like having a safety net supporting you every step of the way.
Immediate Annual Policy
In under 5 minutes, purchase a policy at $179 once per year to protect your financial and personal assets.
Get Insured in Under 5 Minutes!
What Is The Difference Between Claims Made And Occurrence Form Coverage ?
Understanding occurrence and claims made coverage can significantly impact how and when you're able to report a claim on your liability insurance. Understanding the nuances of each type can help you make an informed decision about which is right for you.
What is Claims Made Coverage?
Claims made coverage allows you to report claims only while your policy is active. This means if an incident occurs within the policy period, you must also report the claim while the policy is in force. For example, if you let your policy lapse and months later face a lawsuit for an event during the coverage period, the policy won't cover you unless you’ve purchased an Extended Reporting Endorsement, commonly referred to as "Tail Coverage." This endorsement allows you to file claims even after the policy has expired, offering some additional protection.
What is Occurrence Coverage?
Occurrence form coverage provides a broader scope of protection. It covers any incidents that happen during the policy period, regardless of when the claim is filed. This means you're protected for incidents that arise while the policy is active, even if they are reported years later. Essentially, it includes built-in tail coverage, offering peace of mind without the need for an extra purchase.
Key Considerations for Choosing Coverage:
- Claims Reporting: Consider how likely it is for claims to be reported after the policy period ends. If your profession is prone to delayed claims, occurrence coverage might be more suitable.
- Policy Costs: Typically, claims made coverage starts cheaper but can grow more expensive over time, especially with tail coverage. Occurrence policies often have a consistent premium, reflecting their extended protection.
- Long-term Needs: If you anticipate business changes, like retiring or switching professions, occurrence policies might provide more long-term security without needing to manage additional endorsements.
NACAMS liability insurance policy is occurrence form, the industry's top choice for long term peace of mind.
Over 500+ Services Included
Days in the office are everchanging and include more modalities than ones commonly used as examples describing occupational therapy. NACAMS covers over 500 modalities under one policy, making out liability insurance the most comprehensive & affordable on the market. If you've learned a new skill, there's no need to get a new policy because it’s likely already covered. In fact, we encourage our members to broaden their horizons and take on new skills and endeavors.
Purchase Liability Insurance Coverage From NACAMS Today
NACAMS is the industry's trusted provider for general and professional liability insurance. Personal training and other fitness professionals trust us, which is why we have an excellent rating on the independent review site Trustpilot. Our comprehensive coverage is available at a low monthly price. Buy a policy today!.
