Personal Training Insurance

Affordable Protection for Your Personal Training Services

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Simply Business is pleased to provide tailored insurance coverage from:

Personal Trainer Insurance That’s Made Just for You

You know the best practices for building muscle, increasing flexibility, and burning fat. You also focus on your client’s exercise form for safety and injury prevention. It’s equally important to make sure your business is protected and in perfect form with the right insurance coverage.

At Simply Business, we can help you find a personal training insurance policy that’s as unique as your business. This coverage can help protect you from common risks, so you can continue delivering great work for your customers.

What Insurance Do Personal Trainers Need?

As a personal trainer, you do a lot of physical work with your clients, which could expose you to risks. If you travel to work on different client sites, there’s the potential for accidents and property damage. Plus, if a client is hurt while training with you, your business could be exposed to lawsuits and medical claims.

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General Liability Insurance for Personal Trainers

General liability insurance — also known as commercial general liability (CGL) insurance — covers costs associated with third-party accidents, property damage, and bodily injury. Without this type of coverage, your personal training business may be responsible for those costs. That’s why we recommend that personal trainers carry general liability insurance, as it can provide their business with essential protection.

General liability usually covers:

  • Bodily injury
  • Third-party property damage
  • Personal and advertising injury
  • Medical expenses
  • And more

General liability insurance usually does not cover:

  • Damage to your own property
  • Professional services
  • Workers compensation or injury to your employees
  • Damage to your work
  • Expected or intentional injury or damage
  • And more

Learn more about General Liability Insurance.

Professional Liability Insurance for Personal Trainers

Professional Liability insurance provides coverage in the event a customer alleges negligence from your professional services. If your customer decides to sue your business for mistakes related to your personal training services, your professional liability insurance policy may cover damages and legal costs that you might be ordered to pay due to negligence.

Additionally, if a personal training session goes wrong for any number of reasons, you may be susceptible to a lawsuit from a customer, whether or not negligence occurred.

Professional liability insurance usually covers:

  • Negligence or alleged negligence
  • Legal defense costs
  • Claims involving libel and/or slander
  • Copyright infringement
  • Claims and damages
  • And more

Professional liability insurance usually does not cover:

  • Intentional negligence
  • Bodily injury
  • Property damage
  • False advertising
  • Employment matters
  • Patents and trade secrets
  • And more

Learn more about Professional Liability Insurance.

Workers Compensation Insurance for Personal Trainers

If an employee gets sick or injured while working for you, workers compensation - also known as employers liability insurance - can provide your business with financial protection. Here’s how workers compensation insurance works: If an employee gets injured on the job, this insurance can cover medical costs and lost wages. Most states require businesses to carry this policy when you hire your first employee, so be sure to add it to your coverage if you have a team.

Coverages include:

  • Medical Payments
  • Lost Wages
  • Rehabilitation expenses
  • Death Benefits

How Much Does Insurance for Personal Trainers Cost?

While there’s no single answer for how much insurance costs for personal trainers, you can get an estimate for what you may pay based on:

  • Your revenue
  • Your payroll
  • Your business location
  • The type of services you provide
  • And more

Want to find out how much your personal training business insurance may cost?

Click here to answer a few questions so we can help you learn how much you can expect to pay for your personal training insurance coverage.

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