Personal Trainer Insurance
Find coverage for your personal fitness trainer business. Compare policies from leading national insurers. Get a quote in minutes.
Insuring over 1 million small business owners worldwide.
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Do I Need Insurance as a Personal Trainer?
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.
What Personal Trainer Liability Insurance Do I Need?
General Liability Insurance
Foundational personal trainer and fitness instructor liability insurance helps handle costs from third-party accidents, property damage, and bodily injury.
Professional Liability Insurance
Also known as Errors & Omissions insurance, this provides coverage for damages and legal costs for mistakes or negligence claims.
Workers’ Comp Insurance
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full or part-time employees. Can also benefit business owners without employees.
Business Personal Property Insurance
Also known as Supplemental Business Property and Equipment insurance, this can cover the cost of replacing or repairing equipment, furniture, fixtures, and inventory that you own, use, or rent inside your studio or gym.
What Does Personal Trainer Liability 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.
Damage to someone else’s property
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.
Improper training and negligence 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.
Injury to a client or another person
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.
Care for sick or injured employees
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.
Damaged or stolen equipment
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.
Business Insurance
A one-minute explanation
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 may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost 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, 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.
How Much Does Insurance for Personal Trainers Cost?
Try our Personal Trainer Insurance Calculator
Get a quick estimate in just 3 steps.
Answers To More Personal Trainer Insurance Questions
Is personal liability insurance for personal trainers required by law?
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.
How much does personal trainer insurance cost?
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.
What should I consider before buying personal trainer insurance?
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.
Why work with Simply Business?
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.
Feel confident about your choice
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More Helpful Information for Personal Trainers
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How Much Do Personal Trainers Charge?
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.