Final answer:
Professional liability insurance, in addition to general liability insurance, provides personal trainers with legal protection against negligence claims.
Step-by-step explanation:
Procuring general liability insurance and professional liability insurance provides legal protection for a personal trainer who has been accused of negligence. It's essential for personal trainers to have both types of insurance as they protect against different risks. While general liability insurance covers injuries or property damage that occur as a result of the trainer's business operations, professional liability insurance, also known as errors and omissions insurance, specifically protects against claims of negligence related to professional service and advice. Ensuring full coverage through these insurances can safeguard a personal trainer's career and financial stability.