Personal Trainer Insurance

Personal trainer insurance is coverage customized to meet your personal training business needs. Personal trainer insurance coverage can help protect you from lawsuits, financial losses and accidents that can have a crippling effect on your personal training business.

How much does personal trainer insurance cost?

The cost of personal trainer insurance is based on a variety of factors, such as exposure, claims history and business needs. For example, a personal trainer with a recent $10,000 claim on their history will potentially have a more affordable personal trainer insurance cost than a trainer with no claims history.

While cost is always a deciding factor, selecting the cheapest personal trainer insurance may not cover everything you need it to. Make sure you get what you need and select the right coverages for your business.

Personal Trainer Insurance Coverage Options

There are two major components of personal trainer insurance, both of which are needed for truly comprehensive coverage.

  • Professional Liability Insurance covers lawsuits ranging from injuries caused by improperly maintained equipment to claims of misconduct. For professional trainers, the most common problems stem from interacting with a customer's belongings, or from saying or writing something that a client finds offensive. Be sure to ask an agent about how much liability insurance you're likely to need, since different trainers often need different amounts, depending on their clientele and style of personal training (training for the elderly or high-intensity training, for instance).
  • Miscellaneous Personal Trainer Insurance helps cover claims for bodily injuries that come from either incorrectly providing or failing to provide a promised service. Claims of this type can reach several hundred thousand dollars or more, so it's important to have enough coverage to pay off your claims if you ever end up needing to use this insurance.

Personal Trainer Insurance Requirements

As a personal trainer, you may be asked to provide evidence of certification in your field before a policy will be offered. Experienced trainers—particularly those who have avoided claims in the past—may be eligible for a discounted rate on their policy.

Other personal trainer insurance you might need:

  • Workers’ Compensation: Covers yourself and your employees should they become injured or ill while on the job.
  • Business Owners’ Policy (BOP): Bundles general liability and property damage into one easy to manage policy.