Business Insurance Requirements for Personal Trainers in Florida

As a personal trainer, you spend a lot of time helping others achieve their personal best. That same level of care and attention to your small business can help it flourish, too. To protect your business from risk, it’s worth becoming acquainted with the different types of insurance that are available. General liability insurance can help protect you should a client suffer an injury; it’s often mandatory when it comes to signing a lease or client contract. Workers’ compensation insurance can prove invaluable if you or one of your employees is injured on the job, covering everything from medical bills to lost wages. Cyber liability insurance protects you against data breaches, such as a cyber-criminal retrieving your clients’ credit card numbers, passwords, or Social Security numbers.

Whether you’re kickboxing in Jacksonville or cycling in Miami, we can help you make informed decisions on which policies are appropriate for your business. 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 Florida, 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 Florida vary depending on a number 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  
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 bodily injury, 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 personal trainers’ liability insurance, can help cover legal expenses if you’re sued for unsatisfactory work or a business discrepancy.

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.

Florida workers' compensation insurance: Florida state law requires workers’ comp coverage for all small businesses that employ four or more workers. Even if you’re a sole proprietor, workers’ comp can make smart business sense. Personal trainers are at risk for a wide range of injuries, from dropped weights to hyperextended muscles. If you’re injured on the job and sidelined for an extended length of time, your business could suffer significant financial loss. Workers’ comp can help pay for your medical fees and lost wages. This policy protects your business from paying out of pocket in the case of unpredictable on-the-job injuries or lawsuits. Below are the most common injuries reported by fitness trainers and aerobic instructors across the United States, according to data from the Bureau of Labor Statistics.

Most Common Workplace Injuries: Personal Trainers in the U.S.

Business insurance costs for personal trainers in Florida

The graph below charts the costs of insurance for fitness instructors and personal trainers. As you’ll see, errors and omissions and general liability policies are on par with national rates, while Floridians will likely pay more for a business owner’s policy and workers’ compensation insurance. The type of exercise activity you engage in may affect your rates.

Median Insurance Costs for Florida Personal Trainers

Save time and money with Insureon

Insureon’s industry-leading technology helps personal trainers in Florida 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 Florida 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.