Today's question is very serious and I have seen this question way more than you think.
Here is the question:
My client rolled their ankle at my session which I thought was no big deal but now a week later their parent are coming after me to pay for the medical bills. I don't know what to do now?"
I have seen so many coaches and trainers who start a training business and they don't have insurance to cover for any situations like this one.
If one of your clients gets injured at your sessions then yes they will go after you and they should go after you if you aren't properly insured.
If I had a kid and he rolled his ankle at your session then I would do exactly the same as this parent is doing with this coach. I would chase the coach to cover for my childs medical bills.
I've consulted with many coaches who treat their training businesses like a hobby and then later down the road they come into a bigger problem just like this coach here. Most coaches at the start just focus on getting clients which is great, but if you don't properly have systems in place from the start once you start getting more clients then you will run into problems such as clients trying to sue you.
If you're a coach or trainer in a similar situation like this coach who messaged me then there are TWO things you have to do:
1. You're going to have to cover their bills (if you don't currently have insurance).
2. You should get the insurance so you don't run into this problem again.
Coaches that do this type of business long term are going to encounter more problems as you get more experience with your business. As your business grows you will start to deal with more clients and in order to minimize the risk it's better to do things upfront.
When you're not well protected parents can come after you whenever they want and they could even come after you for any reason! It's important that you avoid these types of problems from day one so that if one of your clients gets injured during your session then automatically your insurance will cover the bills and the problems.
I hope this helps,