Business Insurance Requirements for Personal Trainers in Michigan

Michigan’s residents appreciate fitness and athleticism. Michigan State and the University of Michigan boast two of the most respected college athletics programs in the country, and all the way from Grand Rapids up through the Upper Peninsula is pristine wilderness and coastline begging to be explored. But whether you teach mountain biking or weight lifting, you know that being a fitness instructor and personal trainer has its risks. If you want to keep your finances just as healthy as you are, you’ll need personal trainer insurance.

General liability insurance can help protect you should a client suffer an injury, and 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 and cybercriminals that target vulnerable small businesses.

Insureon makes shopping for these and other policies 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 Michigan, and fill out an application to get your free quotes today.

Find the right insurance policy for your personal trainer business

You have your own unique brand of training, and your insurance requirements are going to reflect that. A partner in a Detroit boxing gym is going to require a different policy than a personal trainer in Warren. The most common policies for personal trainers in Michigan 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
Independent contractor / freelancer X X  
Sole proprietor, partner, or employer with two or fewer employees X X X
Employer with more than two employees X X X


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.

Michigan workers' compensation: Michigan state law requires workers’ compensation coverage for small businesses that employ three or more workers at any given time. Even if you’re a sole proprietor, workers’ comp can be a wise decision. Occupational hazards abound in your industry, and if you’re injured on the job and sidelined for an extended length of time, that’s money out the window. Workers’ comp can help pay for your medical fees and lost wages, keeping your business stable in the event of injury. According to the U.S. Bureau of Labor Statistics, overexertion and bodily reaction combined is by far the leading cause of injury to personal trainers.

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

Business insurance costs for personal trainers in Michigan

One of the biggest considerations for any small business is how much insurance will cost. The chart below illustrates median insurance costs for personal trainers in Michigan as compared to the national median. While workers’ comp costs are relatively low, both errors and omissions and business owner’s policies chart higher than the national median.

Median Insurance Costs for Michigan Personal Trainers

Save time and money with Insureon

Insureon’s industry-leading technology helps personal trainers in Michigan 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 Michigan and can answer your questions as you consider coverage.

To make the application go even quicker, have the following 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.