Personal Trainer Insurance

What Type of Insurance Should a Personal Trainer Have?

Business insurance coverage can help protect your business from liabilities you face on the job. When it comes to personal trainer insurance coverages, there are two that are most common and especially important to have:

General liability insurance helps protect your business from claims of bodily injuries, property damage and reputational harm.
Professional liability insurance, which can help cover claims of errors or omissions in your professional services.

To learn more about these coverages, get a quote today. We can help you get the policies you need at an affordable price. We can also help you get the proof of insurance that many clients require before they work with you. If you need additional insureds added to your policy, we can also help with that.

How Much Does Personal Trainer Insurance Cost?

Personal trainer insurance costs vary. On average, general liability insurance costs $805 annually.** Some factors that influence how much you’ll pay for GL coverage include your:

Risk exposure
Business location
Years in business
Type of business
Coverage limits
Claims history

To learn more about how much it would cost to insure your fitness group, get a quote today.

do you need insurance to be a personal trainer

Can You Be a Personal Trainer Without Insurance?

While personal trainer insurance requirements vary from state to state, having the right coverage can help you avoid paying for claims out of pocket. Your personal training license may also require you to maintain insurance coverage.

Who Needs Personal Trainer Liability Insurance?

Yoga and pilates teachers
Fitness professionals
Fitness instructors
Fitness industry workers
Gym owners
Protectivity personal trainer

Protecting Your Operations

Handling customers’ personal information is an important part of the job as a small business owner. That’s why making sure you have the right insurance coverage to keep your health and fitness operation protected is essential.

In 2020, fall-related injuries accounted for 33% of all nonfatal injuries in emergency department visits across the United States.¹

Data Breach

“Most of my clients pay for their personal training sessions online with their credit card. However, when my computer got a virus, all of my clients’ personal credit card numbers and information were exposed.”

Data breach insurance can help pay to notify impacted customers and hire a public relations firm.

Customer Injury

“A customer slipped on a puddle from a leaky water fountain in our cardio room. She twisted her ankle and ended up getting a sprain.”

General liability insurance can help cover bodily injury and property claims against your business. This liability coverage can help pay for your customers medical treatment.

Taking Care of Your Team

We know how important your team is for keeping your business running successfully. That’s why having the right business insurance to help protect them on the job is important.

In 2020, there were 190,000 medically consulted workplace injuries in businesses that offer professional services.²

Employee Injury

“When the wireless music system stopped working right before a sold-out Zumba class, our instructor plugged in a speaker. She ended up tripping over the wire while teaching and landed wrong on her wrist. The doctor diagnosed a sprain and time off while it healed.”

Workers’ compensation insurance can help cover work-related injuries and illnesses or help pay for employees’ fitness injuries.

Inaccurate Advice

“One of our fitness instructors gave stretching advice to a client. The client ended up straining a muscle and filed a claim against us.”

Professional liability insurance can help cover errors or omissions in your professional services. This personal trainers liability insurance coverage can help pay for your legal fees when a claim of inaccurate advice is filed against you.

Protecting Your Property

Your business equipment is an important part of the services you provide. Keep it protected with the right business insurance coverage.

In 2020, there were over 5.25 million motor vehicle crashes reported.³

Fire Damage

“We rent space for our health and fitness center in an older building. When one of the outlets sparked inside the wall, it started a fire, causing widespread damage.”

Commercial property insurance can help cover property damage to your owned or rented building. It can help cover damages from fire.

Employee Car Accident

“Our personal trainers drive to meet clients every day. On the way to a training session, one of our employees rear-ended someone while driving our company car, causing quite a bit of damage.”

Commercial auto insurance can help cover the costs of an auto accident while you or an employee uses a company-owned car for business.