Personal trainer insurance
One application, multiple quotes.
All in one place.
Essential Coverage
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability / Errors & Omissions
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Essential Coverage
From
$25.83
/month*
Can provide coverage if a client claims there was a mistake in the professional services you provided.
What’s included:
Professional Liability / Errors & Omissions
Coverage limits: $100K to $3M†
Get multiple quotes in less than 10 mins
Would you rather pick and choose your coverage? Explore all options
Over 1 million customers worldwide.
Buy instantly online.
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Why Do I Need Personal Trainer Insurance?
Your business is about the health and well-being of your clients. But what about the health and well-being of your business? Having the proper insurance can help financially protect what you’re building.
Below are some of the most common types of insurance policies that personal trainers carry to stay protected.
What Type of Personal Trainer Insurance Do I Need?
General Liability
A foundational insurance coverage to help handle costs from third-party accidents, property damage, and bodily injury.
From
$20.75
/month*
From
$25.83
/month*
Workers’ Comp
Coverage to help take care of employees who get sick or injured on the job. Most states require this coverage for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
From
$38.91
/month*
Equipment and Business Property
Also known as inland marine insurance, this coverage can financially protect equipment and inventory that’s in transport or stored offsite.
From
$20.83
/month‡
Business insurance —
a quick explainer
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners need. General liability is kind of the Swiss army knife of insurance. It can do a lot, like help handle costs from third party accidents, property damage, bodily injury, and more. Nobody’s perfect, right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP or a business owners policy combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in. You tell us a bit about your business online or on the phone, and we customize the coverage options for what you do and what you need. It’s your business, it should be your insurance as well. That’s why we’re here.
What Does Personal Trainer Insurance Cover?
From ensuring proper form for a box squat to designing workout programs for an individual’s capabilities, personal attention is integral to all you do. Still, even with the best of professional care and focus, mishaps and mistakes can happen.
You accidentally drop a dumbbell a client’s phone. A loose cover on a protein shake leads to a spill that stains a client’s expensive handbag. A general liability policy can help cover claims and legal costs that may result from accidents in the normal course of your work.
Accidents aren’t limited only to someone’s property. If a client slips on a wet locker room floor and gets hurt, you could be responsible for medical bills, legal fees, and other costs associated with a claim. A general liability policy could help pay for those types of third-party claims.
Challenging clients is part of helping them reach their fitness goals, but if your instruction causes them to overdo it and get hurt, they could claim it was your fault. Even if it wasn’t, you still may be responsible for covering the damages or defending yourself against the claim. Professional liability insurance can help cover the costs in both types of instances.
Clients aren’t the only people who may get hurt in a training environment. For example, an employee moving weights or equipment can get injured as well. That’s why workers’ compensation insurance is important. It’s typically required and it can protect your business from costly claims as well as take care of your staff if they get sick or injured on the job. Workers’ comp insurance can help cover medical costs as well as rehab expenses, lost wages, and funeral and survivor benefits.
Even if you have no employees, we also recommend workers’ comp to take care of yourself, especially since many health insurance policies won’t cover workplace injuries.
With heavy weights, steel benches, and wall-mounted racks, it may be hard to imagine damage or theft in a studio or gym. However, what if while moving a barbell you swing around and shatter a section of a mirrored wall? Or several expensive percussion massage devices mysteriously go missing?
What about your laptop or mobile device that you use for scheduling, payroll, and storing client information? Business personal property insurance can help cover the cost to repair or replace them.
What Does Personal Trainer Insurance Cost
Try our insurance calculator.
Get a quick estimate in just 3 steps.
Answers to More Personal Trainer Insurance Coverage Questions
Most states require you to carry workers compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments.
The cost for your insurance coverage is largely determined by the type of work you do, the kinds of risks you’re exposed to, the square footage of your space, and the number of employees you have on your payroll.
Some other factors can include where your business is located, how many years of experience you have, and your annual revenue.
We can help find the coverages and prices for online personal training insurance in just 10 minutes right here.
If you’re thinking of buying business insurance, we recommend having the following information on hand when using our personal trainer insurance calculator:
- State where you do business
- Your type of business or trade
- Annual revenue estimates
This information can make it easier to get a quote from one of our insurers in under 10 minutes.
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your fitness equipment and gear, we can help find the coverage you need for your personal trainer business.
We provide customized coverage options and quotes from top-rated small business insurers – all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Why Small Businesses Choose Simply Business
Small business insurance is what we do. Whether it’s covering you for accidents and errors, meeting workers’ comp requirements, or financially protecting your business from the unexpected, we can help find the coverage you need for your business.
Start your quote
Answer a few questions about
your business in one form.
Review quotes
Compare quotes side by side from top-rated insurers and customize your coverage.
Get protected in minutes
Choose your policy, and get instant proof of insurance – all online, and all within 10 minutes.
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Our +1 million customers are big fans. And you will be too.
I went online, looked around, and found Simply Business. The process was so seamless. I got my certificate within minutes. It was just phenomenal.
Karen
Owner of Tangaza Bath & Body Studio LLC
With Simply Business I know I can look at different carriers, but also see all my stuff in the same place… a lot of [insurance] providers don’t offer a variety of coverage, all in one place.
Jef
Owner of Bunker83 LLC
It wasn’t overwhelming to figure out what was covered and what wasn’t covered. And the cost was competitive.
Kim
Owner of Room to Breathe Professional Organizing
Feel confident in your choice.
We partner with a range of top-rated carriers and use smart technology to match you with policies that fit your specific business, your risks, and budget.
400+
business types covered
1M+
customers worldwide
18
top-rated carriers
We’ve Got More Helpful Information
*The displayed price for each product is a monthly estimate calculated from the 10th percentile of relevant policies sold by Simply Business (e.g., General Liability data is used for General Liability estimates). This estimate uses data from relevant policy sales between July–December 2025. Final price and payment terms, which may include an initial down payment, are subject to change based on your state, selected insurance provider, and specific business details.
† Limits may vary by state and nature of your business.
‡ Displayed price is based on the lowest available coverage limit for Equipment and Small Tools policies.
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