In sports training, the equipment protection coverage in sports instructor insurance is uniquely important because it secures the tools of your trade that you rely on to continue your training classes. This sports instructor insurance coverage for sports equipment best applies to situations when one of your trainees broke the shaft of golf club or tore through the nylon netting of a badminton racket or tennis racket. You may have bought the accessories or equipment for the exclusive and free use by your students as part of the training agreement you had with them. On one hand, your presence during training sessions, whether or not they’re classes for a group or for just one or two people, holds you responsible in teaching your students the correct positions and movements when using sports equipment and the right steps to secure or attach protective body gear. In effect, you can’t immediately charge your students with additional fees to cover the costs of repairs or replacements for the damaged item in your inventory because you’re also liable for negligence that led to the total breakdown of the equipment.
Of course, those worn down, torn up, or broken sports equipment and accessories aren’t the only ones in your inventory that need protection coverage. Sports instructor insurance also covers new purchases for sports equipment and accessories to replace those that were lost while in transit or while in use and those lost due to employee theft or to a petty robbery. You know you could easily lose or misplace a bag containing small-sized equipment, such as baseball or other sports gear. Whether you’re traveling for a special contractual work with a private class, or for a personal desire to win a sports competition, and thereby improving your reputation as a sports trainer, you can quickly replace your lost stuff through a sports equipment protection plan. Moreover, this same kind of protection is also extended to equipment stolen by an employee or a student after class or by unknown robbers during a break-in, which your sports insurance policy also covers when you need to replace all the locks and install a security system.
A third scenario, which your sports instructor insurance readily offers equipment and facility protection for, involves accidents and incidents that cause irreparable damages to a sports equipment or on a particular area in the fitness facility that you either fully own or rent monthly. Consider the repetitive push-and-pull actions you’ve performed on the hydraulic oar shafts of a rowing machine or the extremely tight pulls you make on the elastic training band as your muscles resist the material’s natural tendency to spring back to its normal shape and length. These movements continually expose your exercise machine, fitness tool, or sports equipment to blunt force moving backward and forward, which produces friction that often leads to worn down joints and loose screws. One day, a strong pull of the hand bars could cause your expensive exercise machine to malfunction, which could affect the fitness training of some athletes in your class.