Personal Trainer Insurance

Personal Trainer Insurance is designed to accommodate a wide range of fitness professionals, including personal trainers, yoga instructors, Zumba instructors, and other fitness professionals who provide work-related rehabilitation and fitness services. Personal Trainer liability insurance offers comprehensive coverage so your professional advice, workout space, and any legal liability are all covered.

Your goal is to help your client achieve their goals and promote good health. Whether that involves going to your client’s home to provide one-on-one training, offering online instruction or virtual sessions, you are motivated to get your clients moving and stay active. However, without proper protection like having insurance coverage, you become vulnerable to damages that can be costly. Other times, your employer or landlord requires you to have liability insurance as a contractor or if you operate from a leased or rental space.

Our goal is to ensure that you have the coverage you need to pursue your goals. We will craft a policy that protects you from litigation, property damage, third-party bodily injury, and any other coverage you may need. Leave the insurance to us so you can focus on your expertise and what matters to you.

We understand that not all Personal Trainers offer the same service. We will provide you with a comprehensive package protection plan to ensure your business thrives and succeeds.

Personal Trainer insurance policy typically includes:

• Commercial General Liability Insurance (CGL): Commercial General Liability coverage protects against third-party bodily injury and property damage on and within your home-based gym or rented premises. CGL can also provide coverage for medical expenses and legal expenses when needed.
• Content insurance: Content insurance coverage protects your equipment within your studio. If your elliptical breaks down, your Personal Trainer Insurance will cover this damage or loss.
• Professional liability insurance (Errors and Omissions): This liability coverage protects you from claims by people or organizations involving your alleged negligence, failure to provide services as advertised, misconduct, and other client claims. For example, you assigned 2 sets of squats in one of your sessions to your client who has a herniated disc. You will have coverage if your client sues you for exacerbating their pre-existing injury because you were negligent. 
• Tenants Legal Liability Insurance: This business coverage covers the space you rent for personal training or other health and wellness-related work. If losses and property damages occur, this coverage will provide financial protection, so you don’t have to pay out of pocket.

Some additional coverages to consider for your business:

• Equipment breakdown: This gives you an expanded coverage for your gym equipment in case it breaks down.
• Business interruption: You are covered if your home studio, rental space, or equipment encounters covered perils such as fire or theft. 
• Cyber Liability Insurance: If you offer online personal training sessions as a part of your services, consider this coverage. Cyber Liability Insurance covers costs relating to cyberattacks and unintentional data breaches of third-party data from your clients, such as their financial or medical info.
• Product Liability Insurance: Product liability insurance covers products you sell, manufacture, or distribute if they allegedly lead to bodily injury or property damage. As a fitness professional, you may offer products including supplements, training equipment, and wearable technology such as smartwatches.

The Personal Trainer Insurance cost will depend on several factors specific to the business:

• Annual and Projected Income
• Applicant Details
• Age and Type of Equipment
• Client’s age
• Deductibles
• Locations served
• Number of Employees
• Specified Coverage
• Types of services offered
• and more

What you have to offer your personal training clients is unique, from your ethos to your training approach. Complete our online application and get your free custom quote starting at just $29 monthly within minutes! Let us handle your insurance while you can make a difference in the health and fitness industry.