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As a fitness instructor providing lessons outside of your place of employment, you need to be sure you have fitness instructor insurance to cover your liabilities with regard to having private clients.

Always have your clients sign a waiver so that you are covered in case of simple things that could happen to anyone taking a fitness class.

Things like sprained ankles and pulled hamstrings are common, and you don't want to be sued for these.

Your fitness instructor insurance can cover them, but you don't want this small of an issue having to go to court.

Make sure to have your clients undergo a physical exam by their own physician. Provide a form for them to have signed by their physician that you can keep in their information file. Their level of fitness should be tested as well.

If they test as a beginner, you should not allow them to take your harder classes until they can test into them. This protects you from being sued, and is the professional thing to do.

Sometimes you can't avoid it. As the expert, you can be held responsible for any injuries to your clients, even though they may have signed a waiver.

As their professional fitness instructor, you need fitness instructor insurance to protect you.

Anytime you are instructing students, training new athletes or even just acting as a consultant, you are liable. Your clients have turned to you as the expert in your field.

The court system will see you as the same expert. You better have fitness instructor insurance to cover you outside of your place of employment.

There was a case recently wherein a fitness trainer who was employed by a club decided to advise a client about vitamin supplements they could take to help with their exercises.

Their club did not sell supplements or vitamins, so this was all on the trainer. Their insurance policy did not cover the trainer in his act as a consultant about vitamins and supplements.

They met outside of his normal place of employment so the trainer could talk to the client about what to take.

The client had a heart problem, and because of taking the recommended supplements, he died.

Guess who was responsible?

The fitness trainer was responsible. He also did not have his own fitness instructor insurance.

The family of the deceased client sued the manufacturer of the supplements, the club and the fitness trainer.

Not only is the fitness trainer going to have to pay, the club he worked for (he was fired of course) will probably have to pay, and their insurance will also go after the fitness trainer to recoup their losses. Having fitness instructor insurance pays.

Amit Raju owns and operates http://www.maciasinsurance.com - focusing on Personal Liability Insurance.

I guarantee this insurance marketing tip is one of the most over looked insurance marketing tips for Auto Insurance agents, Health Insurance as well as Life insurance agents. In fact, all insurance agents would benefit greatly from this one extremely effective insurance marketing strategy.

The strategy is called using guarantees. Now before you have the typical insurance agent knee jerk response and say that you can not use guarantees I would say just hear me out because you could be missing out on one of the easiest and most effective ways to differentiate your insurance marketing.

First, let me address the skeptics. I understand your skepticism because I know that you can not guarantee your coverages and policies etc. other than what the company you are representing allows, but that is not the guarantees that I am referring to.

I am referring to separating yourself from the crowd by making a guarantee to provide something of value that your customers really want in addition to whatever product you are providing. Because the reality is it, you are hand cuffed by the benefits provided by the carrier you are selling so if you choose to compare coverages oft times you are literally competing against the very same limits and could even be the very same company. So what do you do? Here are a few things you could do.

You could offer guarantees that your competition does not offer. For example, you could guarantee the phone will be answered in 3 rings or less or else they get a gift (gift within the rules and regulations according to the state where you are selling) You could guarantee a hot cup of coffee is always waiting for your client when they visit your office. You could guarantee to always answer the phone with a smiling welcome voice. You could guarantee a same day returned phone call on a pressing question or issue. You may not have the answer, but you can give a status update. Insurance agents could also guarantee an offer to review coverages. Even stating the obvious can provide value to your clients such as a guarantee of having licensed professional office representatives.

And the agent that stakes out their guarantee first can and should use their guarantee as a positioning statement that separates themselves in their local market from their piers. For example, an agent could combine guarantees such as the ones stated above and then lay claim to being the areas first and only agent to provide these guarantees. Of course there will be copycats, but your marketing then has the ammunition to state how your services are so good the competition is trying to copy you!

Auto insurance agents, Life insurance agents and of health insurance agent can and should all be using this proven strategy to help get insurance leads and make insurance sales. I guarantee if you try hard enough you could think of even more guarantees!

I hope you find this insurance marketing tip is helpful and it sparks ideas to help you guarantee a growing insurance agency.

To discover more unique and powerful profit producing proven systems to get you out of the insurance commodity rat race price wars Plus discover breakthrough Direct Response Marketing tips to generate Insurance Leads that creates clients who come to you and practically begs you to take their money. You can get everything you need to know about insurance marketing from the cutting edge team of marketing mavericks at http://www.insurancemarketingmavericks.com

Blogging is a way for people to get to know you over a period of time. There are about 80 million blogs on the internet, but most of these have been abandoned and long forgotten within a month or two of being created. When I started blogging, almost three years ago now, I could not understand why someone would take the time to set up a blog, only to let it go after such a short amount of time.

As I continued blogging, I realized that it took more time and effort than I had originally anticipated. After just a couple of months I felt like I had said everything I had to say on the topics I was writing about. I began to post less and less frequently to my blog and soon I dreaded the thought of making even one more post. That's when I decided to get professional help. No, I did not seek out the advice of a psychiatrist or therapist. Instead, I found a blogging mentor program where I could connect with other bloggers and receive guidance from the professional bloggers who were the founders of this mentor program.

Over the next few months I learned more about blogging than I could ever have imagined. I became energized with new ideas and methods for getting readers to my blog and posting on a regular basis. I also connected with the other members of the mentor program and had an opportunity to ask them questions about various aspects of their blog and online business. I could see right away that many of the members were doing extremely well on the internet, and I had the chance to emulate some of their methods.

The best part of this blogging mentor group and forum is the learning process that goes on. We have access to training calls and teleseminars, as well as having our questions answered promptly. This has become the first place I go when I am looking for a joint venture partner, outsourcing recommendations, and information on monetizing my specific niche.

There are so many forums and mentor programs available on the internet that it is difficult to sort out which programs are legitimate and will help you to build a profitable online business. I feel fortunate to have found this one because now I have about three hundred people who are as serious about blogging and incorporating new ideas into their online businesses as I am. I encourage you to make a connection like this and blog your way to online success.

And now I invite you to find out more by visiting http://www.BlogMentorForum.com and get started right away with training and connecting with others who are making money with blogging. Look for me in the forum and introduce yourself.

Connie Ragen Green teaches people how to write articles and eBooks, as well as how to use the technology needed to build a profitable internet business.