Business Insurance Requirements for Personal Trainers in California

From Santa Monica’s Muscle Beach – the birthplace of the body boom that swept across the United States beginning in the 1930s – to the demanding granite walls of Yosemite’s El Capitan, California has long been a playground for the physically fit. For a personal trainer, there’s perhaps no better place to practice your craft than the Golden State, where working out never seems to fall out of fashion. But if you’re self-employed or run your own business, there are plenty of responsibilities to think about, including personal trainer business insurance.

General liability insurance can help protect you if someone is hurt at your studio, and it is often mandatory when it comes to signing a lease or client contract. Workers’ compensation insurance is required in California if you have any employees. This policy can prove invaluable if you or one of your employees is injured on the job.

Insureon makes shopping for insurance easy with industry-leading technology that gathers quotes from top U.S. carriers that fit your needs. Read more to find out which policies are most common for personal trainers in California, and fill out an application to get your free quotes today.

Find the right insurance policy for your personal trainer business

The most common policies for personal trainers in California depend on a variety of factors, including revenue, client contracts, and partnerships. The table below illustrates which policies might work best for your business type.


Business type General liability / BOP Professional liability Workers' comp
Sole proprietor X X  
Partner X X  
Contractor / freelancer X X  
Employer X X X


Here are some details on how these policies can benefit you:

General liability insurance: General liability insurance is the foundation of a personal trainer’s business protection. Coverage extends to non-exercise-related bodily injuries, client property damage, advertising injury, and the cost of legal defense. Most commercial leases require you to have this coverage.

Professional liability insurance: Many clients require proof of professional liability insurance before entering contracts for professional services. This policy, also called errors and omissions insurance or malpractice insurance, can help cover legal expenses if you’re sued over injuries and losses caused by your instruction.

Business owner's policy (BOP): Personal trainers sometimes qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability at an affordable rate.

California workers' compensation insurance: Workers’ comp insurance is required by California law for all employees. In fact, you can be fined up to $100,000 for failing to provide this coverage. From a dropped barbell to a hyperextended knee, a personal trainer faces many potential occupational hazards. If you’re injured on the job and sidelined for an extended length of time, that can cause a tremendous loss of income. Workers’ comp can help pay for your medical fees and lost wages. These policies protect your business from paying out of pocket in the case of unpredictable, on-the-job injuries or lawsuits. See the chart below for some of the most common injuries, according to data from the Bureau of Labor Statistics.

Common Workplace Injuries for Personal Trainers in the U.S.

Business insurance costs for personal trainers in California

The cost of workers’ comp insurance – mandatory in the state of California for any employees you may have – far surpasses the national median. By comparison, the costs of general liability and errors and omissions (malpractice) chart below the national average.

Median Business Insurance Costs for California Personal Trainers

Save time and money with Insureon

Insureon’s industry-leading technology helps personal trainers in California save time and money shopping for insurance by comparing policies from dozens of top U.S. carriers. Simply apply online and review quotes for the policies that best fit your business needs. Our insurance specialists are licensed in California and can answer your questions as you consider coverage.

To make the application go even quicker, have this information ready:

  • Workforce details, such as the number and types of employees.
  • Current and projected revenue.
  • Business partnerships.
  • Insurance history and prior claims.
  • Commercial lease insurance requirements.

Apply for free personal trainer insurance quotes today.