ACE Personal Trainer Practice Exam

What purpose does professional liability insurance serve for a trainer?

1. It enhances revenue from services provided

2. It protects against professional negligence claims

3. It covers physical injuries sustained during training

4. It aids in client retention strategies

The correct answer is: It protects against professional negligence claims

Professional liability insurance is designed to protect trainers against claims of professional negligence. This type of insurance covers legal costs and potential settlements that might arise if a client alleges that they were harmed due to the trainer's actions, advice, or failure to act according to standards of care in the industry. It is essential for trainers to have this coverage, as it safeguards their professional reputation and financial security in case of unexpected legal issues. While revenue enhancement, injury coverage, and client retention are significant aspects of a trainer’s business, they do not directly relate to the protective function that professional liability insurance serves. Therefore, the primary role of this insurance is to provide a safety net against claims that could arise from the trainer's professional services.