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Personal Training Business License & Insurance Requirements

3-minute read

Pauline Germanos

Pauline Germanos

17 June 2019

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So you’re ready to get your personal training business going, but before you can start working with any clients, you need to make sure you are following your state laws when it comes to business licenses and insurance coverage.

It’s not exactly the most exciting topic in the world, but trust us, getting your business license early can help you acquire customers faster.


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Here’s why: Whether you want to be a personal trainer at a gym or operate a separate business, having a business license is key to getting prominent names to hire you. Prominent brands may be reluctant to hire you for projects if you don’t have a business license.

And you may even find yourself getting into legal trouble if you don’t have your business license, depending on the state where you’re located.

The best way to find license requirements in your area is to check the Small Business Administration’s website and search for your location. This will allow you to see any state and city requirements around the business license.

You’ll need to come up with a business name and tax structure if your state requires you to have a license. Make sure you get the business name and tax structure before you apply because you’ll need them for the application. Each state has different requirements, so make sure you triple check and ensure you’ve filled out and submitted everything you need to run a business legally.

Also keep in mind that most applications for licenses or other legal requirements come with fees, which can range from $40 to $400. The good news is, once you’ve applied for your business license, you should receive it within one to two business weeks.

Don’t just assume that if your state doesn’t mention license requirements, you don’t need it -- also check with your city or town hall to verify that information to ensure you don’t run into legal trouble down the road.

Don’t Forget… Insurance Is Crucial For Personal Trainers

Once you’ve applied for your business license, we recommend shifting gears and looking for personal training insurance.

Insurance for personal trainers is a small business insurance policy that specifically protects your business from claims of third-party damages, accidents, or even negligence and copyright issues.

For example, let’s say you’re hired to lead a corporate group exercise. During the course of the on-site class, you accidentally knock over and break an expensive vase. Without business insurance, you’d be obligated to pay for that vase out of your pocket, which might require dipping into your personal finances.

Or let’s say a customer accuses you of not paying attention to their form and become injured during your training session. Even if the claim is baseless, it will still cost money to go to court to defend yourself. That’s where your insurance policy can come in handy, as it can pay for your legal costs, as well as any claims you may be ordered to pay.

Business insurance is no joke, and if you want to own a successful personal training business, you have to have it.

“Most gyms will insure you, but if you are working out of your home, I would recommend getting personal liability insurance.”

- Jill Boston, Personal Trainer

You can find and compare quotes for both types of policies at Simply Business. We specialize in small business insurance for personal trainers, so you can get personalized coverage at affordable prices. All you have to do is provide a few details about you and your personal training business — we’ll take care of the rest.

Taking these important steps will also help you deal with the common feelings of imposter syndrome that many new business owners experience. To be a legitimate business, you need to set your business up for success with the government… and it will alleviate some of your worries about pursuing your dream legally!

If you’re unsure about choosing your policy, check out our advice on how to pick the right insurance coverage for your business.

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Pauline Germanos

Written by

Pauline Germanos

When she’s not writing for SB, Pauline runs an intuitive healing business... and is still writing as she types up psychic readings! As she was raised by entrepreneurs, she knows what it takes to be a small business owner.

This content is for general, informational purposes only and is not intended to provide legal, tax, accounting, or financial advice. Please obtain expert advice from industry specific professionals who may better understand your business’s needs. Read our full disclaimer

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