Are there prerequisites required to become a personal trainer?

Almost all certification programs require the applicant to be 18+ and certified in cardiopulmonary resuscitation (CPR) and the use of automatic external defibrillator (AED). In addition, having a high school diploma or GED is required by almost all certifying organizations. You can take a look at our ACE certification review, AFAA certification review, our NASM certification review, our AFPA certification review, our NFPT certification review and our NSCA certification review for help making the decision about which certification is right for you.

Can I add to or change my coverage?

If you’ve expanded your business and need coverage for more kinds of work (or higher amounts of the same coverage), please let us know. One of our support agents can discuss your business' changing needs, and in most cases, we’ll be able to set you up with a new policy on the same day (so there will be no gaps in your coverage). You can contact our customer service team at support@nextinsurance.com or by calling 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Can I buy commercial auto insurance by itself?

Yes. You can buy commercial auto by itself, but we recommend buying liability insurance along with your commercial auto insurance. General liability insurance can protect your business from certain costs including injuries to people who are not employees and damage to someone else’s property. We typically offer a discount when policies are purchased together.

Errors and Omissions (E&O) Insurance

Here’s everything you need to know about E&O insurance:

What is Errors and Omissions insurance?

An errors and omissions insurance policy, also known as professional liability insurance, provides financial protection for you and your business if you are accused of making a mistake, professional negligence or not delivering on business agreements.

Regardless of whether an accusation is warranted or not, it will take time and financial resources for you to respond. Small business errors and omissions (E&O) insurance can provide coverage for associated costs up to your policy limit, helping you to avoid disruptions to your business and out-of-pocket expenses.

Who needs Errors and Omissions insurance?

Most businesses that provide a service or offer professional advice can benefit from an E&O policy. Common business types that purchase a policy from Next Insurance include:

Insurance agents
Real estate agents and brokers
Home inspectors
Property managers

Why is it important?

It’s important to include E&O insurance in your business insurance package to make sure you are protected from risks you could be exposed to while making business decisions with your clients, customers or business partners.

For example, E&O can cover costs up to your policy limit if:

A customer says you made a mistake that caused financial harm.
You miss a deadline while providing a service that negatively impacted your client.
Someone claims that they lost money because you were negligent in providing business services.

Here are some other benefits of errors and omissions insurance:

E&O insurance can help you get more clients

When you have errors and omissions insurance, you’re letting your clients know that they will be protected if you make a mistake that financially hurts their business.

You might be required to have E&O coverage for contracts and certifications

For many professions, E&O insurance could be required to get a professional certificate or license, or your clients might ask you to have coverage before they sign a contract with you.

For example, a real estate agent might need to purchase a real estate E&O policy and provide a certificate of insurance before signing on with a broker. Insurance agents often need to have coverage before they can work with an insurance carrier or agency.

E&O can cover costs to defend your business

Business disagreements can escalate into legal actions. If your business is accused of professional negligence or making a mistake that causes financial harm, your errors and omissions coverage can help you pay for related expenses until you reach your policy limit.

For example, if there is a fire in an apartment building, a tenant could file a professional negligence lawsuit that claims the property manager did not properly inspect smoke detectors.

Some other areas where errors and omissions insurance can provide coverage, include:

Disciplinary proceedings – Costs to defend yourself in cases brought against you by a professional review board or licensing organization.
Crisis management – Expenses for retaining a public relations firm after an accusation of professional negligence.
Subpoena assistance – Costs to produce documents and testify in response to a subpoena.

What does Errors and Omissions insurance cover?

E&O business insurance (also known as professional liability insurance) helps pay for lawsuit costs and damages if your company is accused of work errors or incomplete projects that cause a client to lose money.

E&O can help pay for:

Professional negligence (actual or alleged)
Legal defense costs
Legal judgments

Learn more about what E&O covers.

How is E&O different from professional liability?

Errors and omissions insurance and professional liability insurance both offer the same coverage. The only difference is that some industries commonly use the term “E&O insurance” — including tech professionals, real estate agents, and insurance agents.

Professions that call the coverage “professional liability insurance” include accountants, lawyers, architects and engineers, and other businesses.

Bottom line: whether you call it errors and omissions insurance or professional liability insurance, you can get customized coverage and proof of insurance for your business in a matter of minutes with Next Insurance.

How much does Errors and Omissions insurance cost?

E&O insurance starts at $19 a month but may vary based on your coverage needs, your exposure to risk and your claims history.

The cost of your errors and omissions insurance monthly premium is determined by several factors involving your business operations, including:

Your exposure to risk
Businesses with more exposure to risk typically pay higher rates for E&O insurance than low-risk businesses. If your business is part of a field where a mistake is considered major and costly, you will likely pay more than if a mistake can be easily fixed at less cost. Your claims and insurance history
Having a history of insurance claims, canceling your policies early, and other related factors can lead to higher business insurance rates. Your coverage limits and insurance package
If you want more insurance coverage, you’ll have to pay more for higher coverage limits — the amount you or someone else would receive after a claim. When you get an instant quote online with Next Insurance, you will typically receive two or three options with our coverage recommendations.

Choose the option that works best for your coverage needs and your budget. You can save 10% on insurance costs by bundling your E&O coverage with another policy, such as general liability, workers’ compensation or commercial auto insurance.

When you are ready to purchase your policy you can choose an E&O insurance monthly premium or annual payment options.

How do I get E&O insurance?

With Next Insurance, you can purchase errors and omissions coverage online and get your certificate of insurance 10 minutes, or less.

Start an instant quote to see options for your business. Here’s how the process works:

We’ll ask you some basic questions about your business and operations, including:

Your industry
Where you do business
How many years you have owned the business
Number of employees
Expected annual revenue
Recent insurance and claims history

After you share your information, you’ll have instant access to a customized insurance quote for E&O and other recommended coverage.

If you like what you see, you can adjust the package limits and make your purchase. Your insurance will begin immediately after payment, and you’ll have access to your certificate of insurance.

Start a free instant quote today.