Business Insurance Requirements for Personal Trainers in Illinois

From the Chicago Marathon – among the six biggest marathons in the world – to a small-scale triathlon in Peoria, you’ll find no shortage of fitness buffs in Illinois. In fact, the Chicago-Naperville-Arlington Heights metropolitan area ranks second only to New York in concentration of personal trainers.

Personal training is a serious commitment for both the fitness instructor and the trainee – so is running your own business. To succeed with your personal training business, one step you can take is learning about the types of insurance that could protect it. For instance,  general liability insurance can help protect you should a client suffer an injury, and is 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 provides protection against data breaches, such as a cybercriminal obtaining sensitive data like credit card numbers, passwords or Social Security numbers.

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 Illinois, or 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 Illinois vary depending on revenue, client contracts, partnerships, and other factors. 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 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 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.

Illinois workers' compensation: Workers’ compensation is a requirement for all employers in Illinois. If you’re injured on the job, the coverage can help pay for your medical fees and lost wages. Being a personal trainer has a unique set of benefits – helping folks achieve their fitness goals, experiencing personal transformations firsthand. But it also presents its own set of risks. The chart below details common injuries experienced by personal trainers in the United States, using data from the Bureau of Labor Statistics.

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

Business insurance costs for personal trainers in Illinois

So how much are personal trainers in Illinois paying for business insurance? Take a look at the following chart to see how the Prairie State lines up against the rest of the country. The data, based on applications through Insureon, show that the median cost of a business owner’s policy in Illinois is $1,757 – significantly higher than the national median of $754. The costs for general liability insurance and workers’ compensation coverage rank higher, too.

Median Insurance Costs for Illinois Personal Trainers

Save time and money with Insureon

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