Personal Trainer Insurance
Learn about personal trainer insurance coverage, cost, and companies.
Written by
Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Personal trainers and other fitness professionals guide clients who may be pushing themselves to their physical limits. If this is your chosen life profession, you may wonder what risks you need to cover with insurance.
Personal trainer insurance is a package of business insurance policies that provide coverage for any business property you own, as well as the numerous ways you or your employees may cause bodily injury or property damage to someone else. Without the right coverage in place, a lawsuit or property loss could devastate your small business.
An independent insurance agent can help you get the personal trainer insurance you need to protect your business.
Best Personal Trainer Insurance Companies
Many insurance companies offer business insurance, including personal trainer insurance, but not every insurance company operates in your state. Here are a few recommended business insurance companies that you might find in your area:
- Progressive: Progressive is based in Ohio but offers business insurance across all 50 states. You can look to Progressive for most of your business insurance needs.
- Travelers: Travelers offers highly rated personal and business insurance across the U.S.
- Foremost Insurance Company: Foremost was founded in 1952 and offers a wide range of coverage, including business insurance, in 50 states.
- Nationwide: Nationwide provides business insurance and other popular types of insurance coverage. The company is headquartered in Columbus, OH, and is represented by independent insurance agents in 50 states.
- Liberty Mutual: Liberty Mutual is headquartered in Boston, MA, and has been offering business insurance since 1912. Today, the company offers a flexible, multi-line range of coverages designed to meet the needs of any business, regardless of size or industry.
A local independent insurance agent can help you find the right insurance company for your personal trainer insurance.
What Is Personal Trainer Insurance?
Personal trainer insurance is a specialized type of business insurance tailored to meet the needs of fitness trainers. It consists of a set of policies that can help protect you against the financial difficulties associated with lawsuits and property losses.
Personal trainer insurance protects workers in the fitness industry against client injuries and resulting lawsuits, client or other third-party property damage as a result of your work or work environment, lawsuits related to faulty workout equipment, accidents that may occur while traveling between jobs, and damage to or theft of your personal gear and equipment.
All kinds of personal trainers, including freelance trainers, gym employees, and virtual trainers, can benefit from personal trainer insurance.
An independent insurance agent can help you learn more about personal trainer insurance.
What Kind of Insurance Should a Personal Trainer Have?
You need a combination of property insurance and liability insurance designed for personal trainers. Property insurance covers your business property if it's damaged or stolen, while liability insurance protects you from lawsuits if you cause an injury or property damage to a third party (e.g., a client).
What does personal trainer insurance cover?
The following are some of the basic business insurance policies personal trainers generally need, in addition to specialty policies and endorsements tailored for personal trainers.
- Commercial general liability (CGL) insurance: Provides broad coverage for bodily injury and property damage to a third party caused by you, your premises, or your employees. A simple example of where this coverage applies is a case in which you accidentally dropped a barbell on someone's foot. This policy would provide coverage for the injured party's medical expenses, as well as any legal fees, court costs, or financial judgments or settlements related to the claim.
- Commercial property insurance: Reimburses you for damage, destruction, or theft to/of your commercial property, including equipment, gear, laptops, and other items used for your business. It can also cover your business premises, including your office or gym building and your inventory.
- Business interruption insurance: Provides coverage for lost income and ongoing expenses like rent if you must temporarily cease operations after a covered catastrophic event (e.g., a fire).
- Business owners policy (BOP): A convenient package policy designed for small businesses that bundles together commercial property insurance, general liability insurance, and business interruption insurance.
- Professional liability insurance: Protects you and your business against actual or alleged errors and omissions that may occur while providing your professional services. You’ll need this policy in case a client claims they incurred financial loss because of your advice, such as exercises or techniques you shared with them or recommended for their workout plan.
A knowledgeable independent insurance agent can find individual and packaged personal trainer insurance policies that will address the various forms of property and liability risks you face.
Additional insurance options for personal trainers
Your personal trainer insurance needs depend on the size, location, and other risk factors of your business. In some cases, you'll want to include the following types of coverage:
- Workers’ compensation insurance: If you have employees, you'll likely be required by your state to purchase workers' compensation insurance. This covers the costs of medical treatment and lost wages for employees who get injured or ill because of their job duties or work environment.
- Commercial auto insurance: Protects your business-owned vehicles from theft or vandalism and covers the costs of bodily injury and property damage you cause by driving a company vehicle.
An independent insurance agent can help recommend additional coverages you might need to complete your personal trainer insurance policy.
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How Much Does Personal Trainer Insurance Cost?
Personal trainer insurance costs are hard to predict because every fitness business is unique. Where are you located? Do you have a gym, or do you travel to clients' homes? How many clients do you have? Do you have employees? If so, how many?
The answers to these and other questions will determine what you'll pay for personal trainer insurance. The more risk you have (e.g., a building and equipment, employees, etc.), the more you'll pay for your personal trainer business insurance.
How Can an Independent Insurance Agent Help You Find Personal Trainer Insurance?
In order to find the best coverage for your business, it is equally important to find the right insurance agent. Personal trainers should seek an independent insurance agent with experience in the fitness industry and who has worked with insurance companies that specialize in the types of coverage you need.
Together with your agent, you can assess your specific business risks and find the right mix of property, liability, and specialty coverage to protect your assets from lawsuits and other claims.