010-111 · Question #256
Procuring general liability insurance and ______ provides legal protection for a personal trainer who has been accused of negligence.
The correct answer is A. professional liability insurance. General liability insurance covers property damage and bodily injury claims, while professional liability insurance specifically covers claims alleging errors, omissions, or negligence in the delivery of professional services.
Question
Procuring general liability insurance and ______ provides legal protection for a personal trainer who has been accused of negligence.
Options
- Aprofessional liability insurance
- Bthird party insurance
- Cworker's compensation
- Demployment practices liability insurance
How the community answered
(21 responses)- A76% (16)
- B10% (2)
- C5% (1)
- D10% (2)
Why each option
General liability insurance covers property damage and bodily injury claims, while professional liability insurance specifically covers claims alleging errors, omissions, or negligence in the delivery of professional services.
Professional liability insurance, sometimes called errors and omissions (E&O) or malpractice insurance, is designed to protect practitioners when a client alleges that their professional advice or service caused harm through negligence. Because general liability does not typically cover claims rooted in professional judgment or service delivery, pairing both policies provides comprehensive legal protection for a personal trainer facing a negligence accusation.
Third party insurance is a broad term for coverage protecting against claims made by parties other than the insured and insurer, and it does not specifically address professional negligence in service delivery.
Worker's compensation covers medical costs and lost wages for employees who are injured on the job and does not protect a trainer against client negligence claims.
Employment practices liability insurance (EPLI) covers claims related to employment practices such as wrongful termination or workplace harassment, not claims of negligence in professional service delivery.
Concept tested: Professional liability insurance for negligence protection
Topics
Community Discussion
6
Hiroshi T.Jun 21, 2026The correct answer is A, professional liability insurance. General liability covers bodily injury and property damage on your premises or from your operations, but it does not cover claims that you gave negligent instruction or advice. Professional liability, also called errors and omissions or malpractice coverage in some jurisdictions, specifically addresses claims that your professional services caused harm, which is the exact scenario a negligence accusation against a trainer falls under. Together, the two policies close the coverage gap that neither one handles alone.
Carlos M.May 22, 2026Honestly I was eyeing C at first because negligence claims made me think "lawsuit protection" and workers comp was in my head from a different chapter. But workers comp covers your own employees getting hurt on the job, not client accusations against you, so professional liability (also called E&O or malpractice) is the one that pairs with general liability to cover you when a client says you did something wrong professionally.
Fatima Z.May 24, 2026Carlos nailed the split, so just lock it in with GLOW, General covers slip-and-fall type bodily harm and property damage, Liability for Omissions or Work errors is your E&O, and Workers comp is Only for your own workforce getting hurt on the clock.
Orla P.May 27, 2026Professional liability is what covers you when a client claims your advice caused harm, A.
Fatima Z.May 29, 2026Right, but sharpen that hook with "PEAL" to lock it down, Professional liability Errors And omissions Lawsuit protection, because E and O is the same animal with a fancier collar and knowing both names keeps you from blanking on exam day.
Fatima Z.Jun 4, 2026Yes, A all day, think "GL plus PL equals Full Legal Wall," because general liability guards your gym floor accidents while professional liability is the specific shield that covers negligence claims tied to your actual training advice and instruction. Without that PL policy, a client suing you for a bad program design could walk right through the gap that GL leaves open.