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The American Council on Exercise recommends retaining at least how much in professional liability coverage?
$100,000
$1 million
$250,000
$2 million
The correct answer is: $1 million
The American Council on Exercise (ACE) advises that health and fitness professionals should maintain a minimum of $1 million in professional liability coverage. This amount is considered a standard benchmark within the industry, providing adequate financial protection against claims that may arise from professional services offered. Such coverage is crucial for safeguarding against potential lawsuits, which can stem from client injuries, allegations of negligence, or other professional disputes. Having a substantial coverage amount like $1 million helps ensure that practitioners can handle legal costs and settle claims without facing undue financial stress, thereby allowing them to focus on their clients' health and fitness journeys. The higher coverage amount also reflects the increasing complexity and potential risks associated with health coaching and related services. With the evolving landscape of health and wellness, this level of coverage is seen as a responsible measure to protect both the professional and their clients.