Business Insurance Requirements for Personal Trainers in Georgia

In a state where more than one in three adults are obese, personal trainers are increasingly vital to Georgia’s well-being. Whether you’re leading a spin class in Augusta or teaching weight training in Savannah, you’re helping clients get healthy and reduce their risk of future health problems.

As a small business owner, one of the best ways to maintain your company’s health is business insurance. When it comes to choosing policies to secure your business, start by considering the individual risks and business factors that make up your business. Will your business require commercial space? You will likely be required to show proof of general liability insurance and/or commercial property insurance as part of your leasing agreement. Potential clients may also ask for proof of professional liability insurance before they will accept your services or sign a contract. Professional liability (also called errors and omissions) coverage could protect you if a business discrepancy leads to a lawsuit. Georgia state law requires small businesses with three or more employees to carry workers’ compensation insurance; sole proprietors can opt out if they wish.

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 Georgia, and start 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 Georgia vary depending on several 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


General liability insurance: General liability insurance is the foundation of a personal trainer’s business protection. This type of insurance can cover everything from bodily injury to 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 trainer 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.

Georgia workers' compensation: Georgia state law requires workers’ compensation coverage for all small businesses with three or more employees. If an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages. Independent contractors and sole proprietors can cover themselves under a workers’ compensation policy, but legally they are not required to do so. Personal training is a physically demanding profession. Trainers are most likely to suffer workplace injuries related to overexertion and falls, slips, or trips, according to 2016 data from the Bureau of Labor Statistics, shown in the chart below.

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

Business insurance costs for personal trainers in Georgia

Georgia’s favorable cost of living and doing business extends to its business insurance costs, which are lower overall than the national median, according to an analysis of Insureon applications. Workers’ compensation is typically the most costly type of insurance for personal trainers in the country. Georgia’s rates trend lower, but some business owners still decide to opt out of this coverage when they have fewer than three employees. However, any short-term savings could evaporate if a workplace injury leaves you without the ability to lead classes. In all, personal trainers in Georgia can expect to spend less than $200 per month to secure their small business.

Median Insurance Costs for Georgia Personal Trainers

Save time and money with Insureon

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