CPT-EFS Personal Trainer Exam Certification NY – AAPTE

CPT-EFS Personal Trainer Exam Certification NY – AAPTE


Those seeking certification as a certified personal trainer – exercise and fitness specialist must sit for and pass the AAPTE CPT-EFS Exam. Upon successful completion of the exam, participants will receive a nationally accredited certification from the Academy of Applied Personal Training Education. AAPTE certification is accredited by the National Commission For Certifying Agencies and is recognized by the International Dance and Exercise associations (IDEA), Health and Fitness insurance program offered by Fitness and Wellness Insurance Agency.

{slide=A. Exam Eligibility Requirements}

Candidates wishing to sit for the AAPTE CPT – EFS Exam must:

  • Be at least 18 years old.
  • Complete a Human Anatomy course or have an active status NCCA Accredited Personal Training Certification.
  • Show valid photo identification at the exam site. Candidates that do not have valid photo identification will not be admitted into the exam.
  • Must have current CPR/AED certification. Proof (photo copy of the front and back of card) must be provided to AAPTE via fax land mail (AAPTE PO Box 539 East Meadow, NY 11554) to be eligible to sit for the certification exam. NOTE: online credentialing does not meet the CPR / AED requirement.

Although no prior health or fitness related experience is required to sit for the AAPTE CPT – EFS exam, the Academy does recommend knowledge in the following areas: Human Anatomy, Physiology, Biomechanics, Kinesiology, Exercise Program Design, Health and Fitness Assessment, Basic Nutrition and a general understanding of Injury and Medical Terminology.

Personal Trainer Courses are scheduled on Long Island in conjunction with the exam dates. Attendance at these courses are not an eligibility requirement to sit for the AAPTE CPT – EFS Exam; nor does attending the Personal Trainer Course guarantee the candidate success in completing the AAPTE CPT – EFS Exam.

{slide=B. Non-Discrimination Policy}
The AAPTE does not discriminate against candidates on the basis of race, color, creed, gender, age, religion, national origin, ancestry, disability, military status, sexual orientation, marital status or family status.

{slide=C. Exam Registration}
Candidates can register for AAPTE CPT – EFS Exam by submitting a completed registration form via fax or land mail (see exam registration download form above).

{slide=D. Special Examination Arrangements for Candidates with Disabilities}
The AAPTE makes every effort to maintain compliance with the guidelines set by the Americans with Disabilities Act (ADA) by providing the individual with a qualified disability the opportunity to sit for the AAPTE CPT-EFS Examination.
To request special accommodations, please:

  • Complete the Candidate Special Accommodation Form
  • Have a qualified Healthcare Provider complete the Healthcare Authorization Form
  • Provide completed forms and any supporting documentation to AAPTE upon exam registration.

{slide=E. Special Accommodations Other Than Disabilities}
The AAPTE makes every effort to maintain compliance with the guidelines set by the Americans with Disabilities Act (ADA) by providing the individual with a qualified disability the opportunity to sit for the AAPTE CPT-EFS Examination.

To request special accommodations, please:
1. Complete the CPT-EFS Exam Candidate Special Accommodations Request Form
2. Have a qualified Healthcare Provider complete the Health Care Professional Authorization Form for Special CPT-EFS Testing Accommodations
3. Provide completed forms and any supporting documentation to the AAPTE

Form must be received a minimum of ten (10) days prior to your requested examination date.
Please send to:
AAPTE CPT-EFS Exam Registrations
ATT: Special Accommodations Requests
P.O. Box 539
East Meadow, NY 11554

{slide=F. Examination Fees Schedule / Options}

Exam Only Registration

New Registration for CPT-EFS exam or Retest fee after 1 year since previous exam

Retest : Exam OnlyRegistration

Registration fee for Retest within 1 year of previous CPT-EFS exam

Reschedule an Exam

Fee to change the date or location for the CPT-EFS exam

Exam Registration +*Personal Trainer Course

Fee Includes: CPT-EFS Exam Registration, Personal Trainer-Exercise and Fitness Specialist Course Text Book and Materials

**Note: Personal Trainer Course fees include one Exam Registration. Exam Registration form must be completed and returned by the first week of the course. No exceptions will apply.

*Note: Attendance at the Personal Trainer Course is NOT a requirement to sit for the AAPTE CPT- EFS Exam, nor does it guarantee success on the exam.

{slide=G. Exam Confirmation}
Once registration has been completed the candidate will be notified by email with confirmation of the time and location for the exam. It is suggested that spam folders be checked for registration confirmation.

{slide=H. AAPTE Cancellation Policy}

    In the event of inclement weather, notification will be announced on the AAPTE web site, Facebook page and phone line. In questionable weather conditions, the AAPTE recommends that candidates checkall the aforementioned sources to confirm that the exam is as scheduled.

{slide=I. Candidate Cancellation / Rescheduling}
Candidates wishing to reschedule an exam date may do so by calling, emailing or faxing the AAPTE Rescheduling must be made a minimum of 24 hours prior to original exam date. Rescheduled date must be within one year of the originally scheduled exam date. There will be a $25 administration fee charged for rescheduling. There are no exam refunds for candidate cancellation.

{slide=J. Failure to Appear}
Candidates failing to appear for a scheduled exam date will be charged a $25 administration fee if they wish to reschedule within one (1) year, after which time the full registration fee will be required. There will be no refund for fees paid.
Candidates may request the rescheduling fee be waived under the following circumstances with valid documentation:

  • Serious illness
  • Death in family
  • Disabling accident
  • Court appearance
  • Military deployment

All requests must be submitted in writing to the AAPTE, P.O. Box 539, East Meadow, NY 11554 within 10 business dates of the scheduled exam. Request should include any documentation to substantiate the request for fee waiver.

{slide=K. Certification Exam Job Analysis / Role Delineation}
A job analysis study is a polling of subject matter experts to determine the scope of performance, knowledge and skill required of the entry level personal trainer. These studies serve as a reference point in determining subject matter domains and performance tasks for the certification exam. The AAPTE has commissioned a committee of Subject Matter Experts that have conducted a Job Analysis / Role Delineation study. The results of this study have been utilized in the development of a valid assessment instrument of competency for certification and are in accordance with NOCA guidelines.

{slide=L. AAPTE Certified Personal Trainer – Exercise and Fitness Specialist Certification Exam Content}

The following information is a breakdown of required knowledge for the AAPTE Certified Personal Trainer – Exercise and Fitness Specialist certification exam.

{slide=I. Client Assessment}
1. Interviewing the client: Waivers, risk assessment forms and health and exercise history questionnaires. The successful performance of this task requires knowledge of:

2. Interviewing the client / administration of questionnaire(s) to obtain information about current state of health / fitness, lifestyle and exercise level. The successful performance of this task requires knowledge of:

3. Physical Assessment: Take measurements to gather objective data to better determine current health, risk factors, and baseline measurements for comparative analysis. The successful performance of this task requires knowledge of:

* (vital signs, anthropometrics, body composition, postural analysis, range of motion, strength and cardiovascular endurance)

4. Consult with or refer client to appropriate healthcare professional to obtain medical information and/or medical clearance. The successful performance of this task requires knowledge of:

5. Identify the presence of common diseases including cardiovascular, respiratory, skeletal, and metabolic diseases. The successful performance of this task requires knowledge of:

  1. Signs and symptoms
  2. Role of exercise in the presence of disease
  3. Exercising guidelines in the presence of disease
  4. Risk factors
  5. Medical terminology
  6. Termination criteria

6. The mechanics of the spine. The successful performance of this task requires knowledge of:

7. Understanding the ACOG Guidelines. The successful performance of this task requires knowledge of:

II. Anatomy and Physiology of Human Performance
1. Understand the process by which energy is utilized during cardiovascular and resistance action. The successful performance of this task requires knowledge of:

  1. Components of the Aerobic energy system
  2. Components of the Anaerobic energy system

2. Understanding of Aerobic and Anaerobic Training Effects. The successful performance of this task requires knowledge of:

3. Understand of Anatomy and Physiology of Movement. The successful performance of this task requires knowledge of:

4. Understand the physiological importance of a warm up and a cool down. The successful performance of this task requires knowledge of:

III. Resistance Training Biomechanics
1. Understand the components of resistance training biomechanics. The successful performance of this task requires knowledge of:

2. Understanding the components of a resistance training exercise. The successful performance of this task requires knowledge of:

3. Understanding the principles of creating a resistance training exercise from a mechanical perspective. The successful performance of this task requires knowledge of:

  1. Joint planes of motion
  2. Forces and the relationship to the joint range of motion
  3. Muscle’s mechanical ability relative to intended joint motion

4. Understanding the terms associated with skeletal muscular motion. The successful performance of this task requires knowledge of:

5. Understanding the considerations relative to stretching and the factors that can influence joint range of motion. The successful performance of this task requires knowledge of:

  1. The types of stretches
  2. Stretching recommendations
  3. Skeletal and muscular anatomy

IV. Program Design / Implementation
1. Understanding F.I.D.A.P. as it relates to appropriate selection based on client health, activity level, needs and goals. The successful performance of this task requires knowledge of:

2. Understand the objectives for Anaerobic training to better meet the individual needs and goals of the client. The successful performance of this task requires knowledge of:

  1. Neuromuscular and structural integrity and function
  2. Metabolic rate
  3. Efficiency of day to day activities
  4. Modifying or maintaining physical appearance
  5. Blunt or delay the onset of osteoporosis
  6. Maintaining functional independence
  7. ACSM guidelines

3. Understand the objectives for aerobic training to better meet the individual needs and goals of the client. The successful performance of this task requires knowledge of:

  1. Perform warm up specific to the client’s current fitness level
  2. Maintain proper form at all times
  3. Train through a functional, safe, effective, and efficient range of motion
  4. Normal breathing during exercise
  5. Training with an appropriate load that will facilitate partial volitional fatigue and progressing to full fatigue
  6. Progressions and modifications for exercise
  7. Aerobic training effects
  8. ACSM guidelines

4. Identify the client that is overtraining. The successful performance of this task requires knowledge of:

V. Nutrition
1. Integrate a basic understanding of essential nutrients. The successful performance of this task requires knowledge of:

VI. Business of Personal Training
1. Effective communication from the first to the last encounter with the client. The successful performance of this task requires knowledge of:

2. Understanding the components of the personal training business. The successful performance of this task requires knowledge of:

  1. Establishing trust and credibility
  2. Communication styles

{slide=M. Examination Format}
AAPTE has transitioned from paper and pencil exam formats to computer based exam delivery. The paper and pencil delivery is available in limited numbers and to those that require a paper and pancil format. Those candidates must complete the Special Accomodations available here.

  • The AAPTE CPT-EFS exam is delivered on line (a computer based format) and is a multiple choice exam which may consist of both text, images, video, matching and identification.
  • The AAPTE CPT-EFS paper and pencil exam is a multiple choice exam which may consist of both text, images, matching and identification.
  • This format is available to those who have specific needs for such a format.The AAPTE CPT-EFS exam is given only in the U.S. and in English.

{slide=N. Day of Exam}
1. Candidates wishing to sit for the AAPTE CPT – EFS Exam must follow the instructions listed below:

  • Candidate must arrive and sign in 15 minutes prior to Exam time.
  • Candidates have a maximum of 2 ½ hours to complete the exam.
  • Upon completion of the AAPTE CPT- EFS Exam candidates will turn in all test material to the proctor and leave the premises.
  • Candidates are prohibited from bringing any study material into the exam room.
  • Candidates are prohibited from bringing any food or beverages into the exam room.
  • Once the exam begins, candidates will not be permitted to leave the exam room.
  • Candidates must use a #2 pencil to complete the exam.
  • The use of cell phones or other communications devices is prohibited during the exam.
  • Candidates may not use calculators on the AAPTE CPT – EFS exam.
  • Candidates are to remain seated at all times during the exam.
  • If there are questions, candidates are to raise their hand and wait for the proctor to come to them.
  • Candidates must complete the exam alone. Sharing of information is cause for dismissal with no refund.
  • Proctors are not permitted to answer questions relevant to the content of the exam.
  • Impersonating another candidate, giving or receiving help from another on the exam, or removing any exam materials or notes from the testing site are also cause for dismissal with no refund.

2. Candidates may not bring into the Exam area:

  • Books
  • Electronic devices (Calculators, Cell phones, PDA’s, Blackberries, pagers, etc)
  • Book bags, pocket books
  • Any personal items

3. Leaving the Testing Area
Candidates informing the Test Proctor that he/she needs to leave the testing area and cannot complete the exam will be allowed to schedule a retest by following retesting procedures described in the ‘Retesting’ section below. Candidates will be required to pay the applicable retesting fees.

4. Behavior
Disruptive behavior will result in the immediate dismissal by the Test Proctor.

{slide=O. Environmental Distractions}
The AAPTE will make every reasonable attempt to ensure an environment conducive to testing. However, we cannot anticipate sudden changes in buildings conditions. We recommend that candidates self prepare by bringing comfortable clothing for warm and cooler climates.

{slide=P. Grade Reporting}

The AAPTE CPT- EFS candidate will be notified of their examinations scores within 4-6 weeks of the exam date.

All official notifications will be mailed to the candidate. No exam information will be provided by telephone, email or fax.

All examination information is confidential will only be released to the candidate. Written consent is required to be received by the AAPTE from the candidate naming the third party for which the results may be mailed.

{slide=Q. Completion of the Exam}
Upon the successful completion of the exam meeting the cut score and all other pre-requisite requirements, the candidate will receive a Certificate of Certification from the AAPTE identifying the named individual a Certified Personal Trainer – Exercise and Fitness Specialist.

{slide=R. Eligibility Appeals}
Applicants denied registration or application by A.A.P.T.E. because they do not meet the minimum eligibility requirements may appeal eligibility within thirty (30) days of receiving notification of ineligibility. Eligibility appeals will be reviewed by the CAB and responded to in written form within sixty (60) business days of the postmarked appeals letter. The decision of the CAB is final. Eligibility appeals must include a clear description of why one feels he/she is eligible and must be submitted in writing to:
AAPTE CPT – EFS Director of Candidate Issues
P.O. Box 539
East Meadow, NY 11554
Appeals decisions/responses will NOT be made available by telephone, fax or any other electronic means.

{slide=S. Exam Appeals}
Grievances that question the examination content, passing standard or specific items will be accepted and reviewed as part of A.A.P.T.E.’s quality control processes, but no action will be taken on the grievance. Additionally, to protect the integrity of the certification process, candidates are not able to review their exam or any exam items and specific items will not be discussed with candidates.

Candidates experiencing incidents and or behaviors in direct violation of aforementioned exam procedures and/or inappropriate behaviors on behalf of an exam proctor or other candidates are acceptable reasons to appeal exam results. Any such behavior or incident having a negative impact on candidate performance must be brought to the proctor’s attention at the time of the exam. Additionally, the candidate must submit written notification of the behavior or incident within ten (10) business days of their exam date. The written notification must state the specifics of how the incident negatively impacted his/her performance. Appeals will be reviewed by the CAB and responded to in written form within sixty (60) business days of the postmarked appeals letter. The decision of the CAB is final. Exam appeals must be submitted in writing to:
AAPTE CPT – EFS Director of Candidate Issues
P.O. Box 539
East Meadow, NY 11554

{slide=T. Hand Scoring}
Because the A.A.P.T.E. visually inspects exam answer sheets for potential electronic scoring errors, it is unlikely that the results of a hand graded exam answer sheet will differ from the original electronic scoring. However, should a candidate desire a manual rescoring of their exam, the AAPTE offers a hand scoring of the exam. A $25 administrative fee applies for this service. If a candidate desires hand scoring they must submit:
1) a Request for Hand Scoring, in writing, within thirty (30) days of receiving results notification. Requests received after thirty (30) days of postmarked exam results will not be processed.
2) a $25 payment (check or credit card) with the Request.

Candidates will be notified of the hand grading results within thirty (30) business days of receiving the written Request. In the event of error due to electronic processing, the AAPTE will fully refund the $25 fee.

{slide=U. Retesting}
Candidates who have not successfully passed the AAPTE CPT – EFS exam may register to retake the exam by completing the registration form found on the Personal Trainer Certification page of the AAPTE website www.aapte.org. The registration form can also be requested by calling the AAPTE at 516-222-0001, emailing certs@aapte.org, or by faxing a request to 516-222-0004. An examination fee of $100 is required to sit for a retest within one year of original exam date and $295 after one year. Upon receiving a completed registration form and retest payment, the candidate will be placed on the exam roster for his chosen (available) date. Exam dates are posted on the Personal Trainer Certification page of the AAPTE website www.aapte.org., or by faxing a request to 516-222-0004. An examination fee of $100 is required to sit for a retest within one year of original exam date and $295 after one year.

The retest fee is non-refundable. Failure to attend a scheduled retest without notification at least 24 hours prior will result in a loss of payment and the full registration fee will be required to schedule a new exam date. Notification of rescheduling may be made by phone at 516-222-0001 or by email to certs@aapte.org during business hours between , or by faxing a request to 516-222-0004.

{slide=V. Confidentiality}
All information regarding a candidates exam score and all other personal information submitted to the AAPTE will be kept confidential and will not be released to any third party without the expressed written consent of the candidate.

{slide=W. Recertification}
For details regarding recertification, please refer to the Recertification Handbook, available by download from the AAPTE web site, www.aapte.org or by calling the AAPTE at 516-222-0001

{slide=X. Disciplinary Course of Action}
In the event of a formal complaint (a written description of the facts and circumstances alleged, signed by the complainant and sent by certified mail to the AAPTE and received within 30 days of the alleged behavior), the AAPTE Certification Advisory Board will provide written notification to the accused of the allegations and the identity of the complainant.

The accused (respondent) will also be furnished with a copy of the written charge and will have an opportunity to respond to the allegations contained therein.

An accused Certified Trainer may wish to consult legal guidance in responding to the complaint. After the notification described above, the Academy’s Certification Advisory Board will conduct any additional investigation which may be necessary. The investigation is expected to lead to one of the following possible outcomes:

  1. The CAB finds insufficient facts to support the charge;
  2. The CAB finds facts to support the charge, reaches a negotiated resolution satisfactory to the parties, and does not recommend further action; or
  3. The CAB finds facts to support the charge and recommends further action.

Upon completion of the investigation, the AAPTE will submit, to the President, a report including findings of fact and any recommended action. Disciplinary action shall reflect the status of the accused, the severity and pervasiveness of the conduct, the apparent intent of the accused, and other relevant factors in the case.


Exam Creation and Statistics

Hofstra University, CV STARR HALL

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Health and Fitness in Law Enforcement: A Voluntary Model Program Response to a Critical Issue

Health and Fitness in Law Enforcement: A Voluntary Model Program Response to a Critical Issue

The decline of health and fitness among those in the law enforcement community is an indisputable fact. The consequences of this phenomenon are also well known; greater vulnerability to on-duty injury and illness, increased exposure to liability and loss of respect by the public at large, among others. Alarmed by a revealing body of statistical data, in 2002 the National League of Cities’ (NLC) captive reinsurance facility, NLC Mutual Insurance Company, partnered with several law enforcement organizations to form a national Task Group to study the problem and to develop possible solutions.Initial Task Group participants consisted of the Commission on Accreditation for Law Enforcement Agencies, the Fraternal Order of Police, the International Association of Chiefs of Police, the National Sheriffs’ Association, the National Organization of Black Law Enforcement Executives, the International Association of Directors of Law Enforcement Standards and Training, the Police Executive Research Forum, the American Society for Law Enforcement Training, NLC Mutual Insurance Company, and FitForce™.The Task Group held its initial meeting on August 21, 2002 at CALEA headquarters in Fairfax, Virginia. G. Gregory Tooker, CPCU, Principal Consultant to NLC Mutual Insurance Company, presented results of several on-going studies underscoring the enormity of the problem. The frequency and severity of cardiovascular incidences among law enforcement personnel throughout the country is increasing each year. Officers and their families are suffering the consequences of these tragic but often needless events. Jay Smith of FitForce™, a nationally recognized law enforcement fitness resource, then supported the NLC Mutual finding, citing a number of well-respected sources. Smith indicated that most published and anecdotal experience suggests police officers live on average two to five years post retirement, depending on the source. The lack of personal and agency fitness and wellness programs was cited as a predictable contributor.After consideration of this issue by members of the Task Group, it was concluded the drafting of a generic Voluntary Law Enforcement Fitness/Wellness Model Program would be the most effective approach. The Task Group envisioned an easily adaptable model, which would be universally viewed as positive and in the best interests of both law enforcement agencies and their personnel. A basic outline of the proposed model’s components was developed and approved by the Task Group. Smith and Tooker were assigned the responsibility of developing draft language for consideration by the Task Group members at the next meeting.

On November 20, 2002, the Task Group again convened at CALEA headquarters to review the first draft. After much discussion and two subsequent re-drafts, all Task Group representatives approved the Voluntary Model Program third draft. The final version of the model is adequately flexible to permit some expansion by its users to incorporate incentives or other measures should the adopting agency deem it appropriate.

In order to field test the model’s efficacy, it was agreed that a pilot should be undertaken, involving a sufficient number of law enforcement agencies in various jurisdictions throughout the United States, to establish the validity of statistically-based conclusions. Understanding that performance data acquisition may possibly present privacy concerns for program participants, protections are being built into the retrieval and storage aspects of the program. All information will be gathered in an anonymous manner, preventing the identification of individual participants.

Administration and day-to-day supervision of the voluntary program at the agency level requires the certification of one or more fitness coordinators, as well as the participation and support of executive management. It is suggested that incentives acceptable to labor and management be incorporated to motivate participation by all agency personnel. National accident, injury and illness data has clearly established that 20% of the average law enforcement agency’s workforce is responsible for 80% of the cost of these accidents. Therefore the criticality of full participation by all employees is clearly evident.

To date, nearly 50 law enforcement agencies in four states (Colorado, South Dakota, Kentucky, and Texas) have opted to participate in the field test of the Voluntary Model Program. Fitness coordinators for the involved agencies have been certified in each of these states. State municipal leagues in Florida and Connecticut have also recently indicated they would like to participate. This will provide a broad sample from which to accumulate pilot program performance data. The duration of the field test is expected to be approximately two to five years. State municipal league self-insurance pools and their policyholders may elect, however, to expand participation beyond the pilot program level.

A Working Background

A basic and common understanding of the issues and the names of program components are necessary. The ability to perform the frequent and essential tasks, in this case, the physical tasks of a law enforcement officer at a minimum level of safety and effectiveness, requires knowledge, skill, and physical ability. The underlying constructs of physical job task performance are health and fitness. We defined physical fitness as:

…the ability to meet life’s daily demands, without undue fatigue, while maintaining sufficient energy for leisure time pursuits and to overcome emergency situations that may arise personally and professionally.

(Adapted from the President’s Council on Physical Fitness and Sports, 1971).

There are six components of physical fitness:

  • Cardiovascular endurance is the ability to take in and deliver oxygen to the working muscles to produce energy to sustain activity. Cardiovascular endurance is necessary in approximately 11% of foot pursuits and over 50% of use of force encounters[1].
  • Anaerobic power, the ability to make short, intense bursts of maximal effort, underlies the ability to run short distances and up stairs.
  • Muscular strength refers to the muscles’ ability to generate maximal force; it is necessary for performance in control and restraint situations.
  • Muscular endurance refers to the muscles’ ability to sustain sub-maximal force, which is necessary for lifting, pushing, pulling, or carrying.
  • Flexibility, the ability to use the available range of motion at a given joint or structure, is challenged in common tasks such as bending over as well as much less frequent ones, for instance a foot pursuit.
  • Body composition, the ratio of fat to lean tissue, is associated with physical performance as well as health.

Health is commonly considered by many to be simply an absence of symptoms. However, due to the aging process, symptom-less diseases and the nature of the public safety environment, apparent health may be temporary or non-existent. A more comprehensive definition suggests health is a state of complete physical, mental, and emotional well-being. Wellness may consequently be defined as those purposeful actions taken to attain and maintain optimal health and fitness.

These definitions indicate fitness, health, and wellness are not synonymous; rather they are integrally related and complimentary. In addition, they provide some goals for the program coordinator to consider when developing a department’s response – that is a program. Further, they conceptualize behavioral and outcome goals for the program participant. Therefore, a total fitness and wellness program, rather than simply a fitness program or wellness program, is recommended.

Health and Fitness

More than 50% of the deaths in this country are attributable to lifestyle choices. These poor lifestyle habits predictably result in high health costs and early deaths:

  • Cigarette smoking;
  • Obesity, that is more than 25% body fat for males and over 30% for females;
  • Poor nutrition, which is a significant contributor to the incidence of diabetes and colon cancer among law enforcement officers (LEO);
  • Substance abuse;
  • Sedentary living or poor cardiovascular fitness; and
  • Stress – stress management is consistently defined as an in-service training priority by agencies.

As an occupational group, LEOs have greater morbidity and mortality rates than the general public, principally due to cardiovascular disease, colon cancer, and suicide. Various law enforcement agencies have calculated the cost of an in-service heart attack to be between $400,000 and $750,000. Surveys suggest heart disease accounts for 20 – 50% of early retirements [2] and back problems for 15 – 35% [3]. In fact, younger officers, under the age of 35, have a lower risk of medical problems than the average American, but those 35 and over have a higher risk [4]. One study of a major metropolitan police agency indicated that almost 50% of its officers had at least three of the five major risk factors for coronary heart disease – high cholesterol, smoking, obesity, inactivity, poor cardiovascular fitness, or high blood pressure [5].

The Benefits of a Program

A total fitness and wellness program can produce a host of benefits for its participants and the agency alike. By improving their personal fitness levels, officers will enjoy:

  • Improved capability to perform specific physical tasks;
  • Improved ability to mobilize the body efficiently;
  • Improved tolerance to fatigue;
  • Reduced risk during physical tasks;
  • Better psychological preparation; and
  • Reduced stress and associated health risks.

For the agency, health and fitness also represent a sound investment. Studies of law enforcement officers indicate more fit and active officers have 40 – 70% less absenteeism than less fit officers [6]. The cost savings associated with disability are manifold:

  • Partial disability means a loss of flexibility in assignments;
  • Total disability results in a loss of valued personnel;
  • The expense of disability payments; and
  • The expense of rehiring and retraining.

One study tabbed the cost of early disability at 165% of an officer’s salary [7]. Each dollar spent on fitness and wellness in the workplace saves several dollars [8]. Fit workers miss fewer days of work, and they are less likely to suffer degenerative diseases, thereby spending a smaller share of the agency’s health care dollars [9]. Finally, fitness and wellness programs increase loyalty, reduce turnover, and generally improve morale.

The Voluntary Model Program

The mission statement of the Voluntary Model Program is to develop a guide for a cost-effective, voluntary law enforcement fitness and wellness program that serves the interests of the agency, its individual officers, and the community it serves.

A public safety total fitness and wellness program helps to ensure that:

  • Officers have the requisite fitness to perform their duties;
  • Officer’s lifestyle habits will decrease health risks and improve quality of life; and
  • Agencies reduce their liability by ensuring officers’ physical readiness to perform while controlling risk and its associated costs.

The program has two main elements. The first ensures the development and maintenance of physical performance capability, that is the ability to perform job tasks and personal leisure time pursuits. The second element addresses the officers’ health status, present as well as future. For the officer, this total fitness is achieved through the development of good lifestyle habits, taught and supported by the agency’s administrators. These fitness lifestyle areas ­- regular exercise, nutrition, weight management, stress management, tobacco cessation, and substance abuse prevention – are the foundation of the agency-based program.

Program Components

The pilot study based upon the Voluntary Model Program will provide the initial training and ongoing support for the development and maintenance of a department based health and wellness program. In partnership, the state league pools, the departments, NLC Mutual Insurance Company and FitForce™ hope to create programs with the following elements:

The introduction to this body of work, for most departments, begins with a FitForce Fitness Coordinator Course with an additional day of training on the specifics of the pilot program.

The goal of the pilot is to gather data on the current health status of the incumbent officers in the participating agencies nationwide – this essentially represents our ‘pre-data’. The follow-up intervention is a voluntary wellness program based on education, fitness programming, and perhaps some form of incentive. The anticipated benefits of this national endeavor will be improved health indices and fitness levels among the law enforcement personnel, as well as a reduction in employment-related accidents, fatalities, injuries, and illness. This will result in a reduction of operating costs for law enforcement agencies and their local governments. It is our strong belief that the savings achieved through efficient implementation of this program will more than justify the comparativelyminimal investment of capital and personnel. Most importantly, the participating law enforcement officers and their families will be spared the consequences of poor health.

J. E. Smith, Jr., M.S., C.S.C.S., U.S.A.W. is the founder of Integrated Fitness Systems and the president of FitForceä, a full-service physical fitness entity. He is an exercise physiologist, certified strength coach and club coach for the sport of weightlifting. Prior to establishing IFS, he served as the only Director of Physical Fitness & Health Maintenance Programs for the Massachusetts Criminal Justice Training Council for eight years. Jay consults to public safety agencies throughout the country on training and employment issues, particularly the development and validation of fitness standards. He has published dozens of articles, technical reports and book chapters. Jay can be reached at jfitforce@aol.com.

G. Gregory Tooker, CPCU is President of Risk Probe, Inc., a risk control management-consulting firm located in Wrentham, MA. Mr. Tooker has assisted local governments and other public entities in designing and implementing risk control programs for over 25 years. He began special focus on law enforcement in 1975, assisting the National Sheriffs’ Association in developing and implementing liability assessment and avoidance educational programs. Presently, Mr. Tooker is the national risk control management consultant for the National League of Cities’ captive reinsurance facility, the NLC Mutual Insurance Company based in Washington, DC.

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BBB Business Review for Fitness and Wellness Insurance Agency

BBB file opened: July 16, 2004 Business started: 02/05/2001 in CA Business incorporated 02/05/2001 in CA

Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

California Department of Insurance
Consumer Services Division, 300 South Spring Street, Los Angeles CA 90013
Phone Number: 800-927-4357
Fax Number: 213-897-5961
The number is 0D28716.

Type of Entity


Number of Employees


Business Category

Insurance Services

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Fitness, Health and Wellness Insurance 101

Hello! Thank you for reading my first post!

My name is Derek Jimenez and I am an Insurance Agent who specializes in programs for the Fitness, Health and Wellness industry. I work at Caldwell Insurance Agency located in Southern California, and we are one of the top California agencies in our insured industries. My Fitness, Health and Wellness program can apply to Gyms, Crossfits, Yoga Studios, Massage Parlors, Physical Therapy, Day Spas, etc. That might sound like a very broad definition for an industry, and it is for good reason. As you know, gyms come in all shapes and sizes, and no gym is the same as another. Some gyms have pools, saunas, chiropractors, etc. and every one of these businesses needs to be insured uniquely to ensure comprehensive coverage at a fair cost.

That is my job, in a nutshell. To make sure that the business they worked hard to build is insured appropriately. With so many new trends popping up in the fitness industry (CrossFit most recently), it’s apparent that we are working in a constantly evolving business landscape, and it is important to have an agent that is up to date with the industry (or read my blog regularly, of course). For those familiar with CrossFit, you know that there is almost an unlimited amount of ways they can exercise, so how can those companies be insured? An insurance company will always want to know exactly what risks the company is exposed to, but how can they know the risks if a CrossFit is changing their workouts and location every other week? Don’t worry, these are the types of questions I am going to answer in my articles, but if you would like to talk about a specific subject sooner I welcome you to send me a message through email, Twitter, Facebook, LinkedIn or carrier pigeon.

I ask two things of you, as a reader: Be patient and try to learn. I am going to begin with what I consider to be Insurance 101, some of this might be a simple information tune-up for veteran business owners or agents, but a lot of it will be good information any owner (new or old) can use. As time progresses and I write more articles, I will get more and more advanced and also reference past articles so that any new readers can catch up quickly.

Our agency also specializes in the Pest Control, Fumigation and Termite (Branch 1-3) industry, as well as the School and non-profit industries. We will also be covering topics in those industries as well as the commercial insurance industry in general in the future.

We have worked hard to build this business, blog and site…so do us a favor! Simply share this blog wherever you can so that our work does not go unappreciated.

Thank you so much for reading and stay tuned for more!

Derek Jimenez Lic. # 0K18952
Caldwell Insurance Agency Inc.
481 E. Whittier Blvd. Ste. D
La Habra, CA 90631
Office: (562) 697-6200
Toll Free: (800) 662-0596
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Yoga, Fitness and Wellness

Yoga, Fitness and Wellness

Fitness has always been a large industry, but recently it has become very popular. Yoga, fitness and overall wellness is in the forefront of society’s mind. Since yoga and fitness is a physical activity, there are a lot of potential risks for studio owners. When it comes to your business, you need coverage that is going to protect you and your instructors.

Northwestern Risk has the Coverage Your Fitness/Yoga Business Needs

  • Bodily injury liability: This covers both injuries to your students and to any non-employee who may be in your waiting area during a yoga or fitness class. If someone is injured and your studio is deemed responsible, the studio can be sued for medical expenses, lost wages and punitive damages. Bodily injury liability insurance coverage will provide compensation for these fees.
  • Premises liability: This provides coverage for injuries or property damage sustained by a student, delivery person, or any other person with reason to be on the premises. Coverage includes the entire property, including the parking lot.
  • Participant liability: This provides coverage if your student, staff or volunteers are injured while participating in a fitness activity off-site. This can include things like yoga in the park or fitness/wellness retreats.
  • Professional liability: This provides instructor insurance. Your students trust in the knowledge and expertise of your instructors, but should a student be pushed too hard and suffers a significant injury, your studio can be sued. This could include medical costs, loss of income, and punitive damages. Northwestern Risk offers you insurance coverage that will provide the necessary compensation to save you from an excessive loss.
  • Workers compensation: This provides coverage for medical treatments if one of your employees is injured on the job. Northwestern Risk can provide your business with additional coverage for workers compensation as an option, should you want it.

Liability insurance protection includes reimbursement for any court costs and legal fees associated with any covered instances.

Protect Your Property!

Northwestern Risk understands that the equipment in your studio is valuable. This is why we offer insurance coverage that will protect your property.

  • Equipment and contents coverage: This provides coverage for such things as decor, mirrors, sound systems, computers and mats. If your business faces a disaster such as a fire or a severe weather event, you run the risk of damage to your property. Equipment and contents coverage will provide you compensation for losses incurred due to covered events.
  • Building coverage: Most studio owners rent their space. However, if you are one of the few that actually own the building, you will want to be sure to include coverage for your building’s structure in your insurance policy. Structural damage can occur due to falling objects, heavy winds, fire and vandalism.

Northwestern Risk can explain all coverage options and find the perfect insurance solution for you and your business. Contact us today.

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Colorado Health Fitness Wellness Insurance | Orcutt Insurance Group

Colorado Health Fitness Wellness Insurance | Orcutt Insurance Group

Orcutt Insurance Group can help your Denver or Colorado health and fitness business with all of your insurance needs. We can insure your Colorado fitness center, gym, health club, Yoga, Pilates, dance studio, Crossfit, Boot Camp, personal training, Salon or Day Spa with products designed for your industry. Our local agency has been quoting, selling and servicing these insurance products in this beautiful state since 2004. Please contact us to discuss insurance and your business.

We can offer packaged products including:

General Liability

  • Up to $1M each occurrence and $3M aggregate
  • Personal injury liability
  • Special Events coverage outside the club included
  • Abuse or Molestation coverage available
  • Coverage extended to contracted professionals is available

Professional Liability

  • Coverage available up to $1M per incident and $3M aggregate
  • Coverage extended to entity and employed professionals including lifeguards, racket sport instructors, aerobic and fitness instructors.

Property Insurance

  • Coverage for owned buildings and other business property
  • Business income coverage

Umbrella or Excess

    Large Excess limits available

Hired/Non-owned auto

    Insurance to cover business use of vehicles not owned by the entity

Workers Compensation

  • State mandated coverage for all employees
  • Annual policy based on payroll that covers full time and part time employees

In order to provide a quote for your business we will need the following information:

  • Legal name and type of business (LLC, Corp, etc..)
  • Physical and mailing address
  • Description of your operations
  • Health and Fitness Application
  • Loss runs from prior insurance companies
  • Copy of health club membership application including waiver language
  • Copy of medical disclosure
  • Website information or brochure

There may be additional information needed but this will be enough for Orcutt Insurance Group to start the quoting process. Please visit our Health and Fitness Risk Management Page for information on mitigating risk. We are looking forward to speaking with you about your operations.

Thank you for your consideration.

The Orcutt Group Team


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