Business Insurance Requirements for Personal Trainers in New York

As a personal trainer in New York, options for specialization abound. From running a boxing gym to a spin class or even rehabilitation classes for the elderly, you can choose your preferred clientele, techniques, and types of training.

That wide range in the industry is reflected by a variety of insurance policies to match the specifics of your business. There’s general liability insurance, which 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 protects you against a variety of risks that accompany sensitive business and client information.

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 New York, and fill out an application to get your free quotes today.

Find the right insurance policy for your personal trainer business

You offer a unique brand of training, and your insurance requirements will reflect that. The most common policies for personal trainers in New York 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


Here’s a general overview of how these policies protect your personal training business:

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.

New York workers' compensation: New York state law requires workers’ compensation for all employees. This coverage helps offset medical fees and lost wages due to on-the-job injury. Personal trainers and their employees face numerous risks due to the physical nature of their work. If you or an employee is injured on the job and out of work for an extended length of time, your business could suffer significant financial losses. As you’ll see in the chart below, the most common injuries for personal trainers are overexertion and bodily reaction, according to the Bureau of Labor Statistics.

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

Business insurance costs for personal trainers in New York

One of the biggest considerations for any small business is how much insurance will cost. The chart below shows median insurance costs for personal trainers in New York as compared to the national median. Errors and omissions insurance for personal trainers costs about the same in New York as it does nationally, but both general liability and business owner’s policies are more expensive in New York than they are nationally by approximately $250 per year and $350 per year, respectively. Workers’ comp insurance, in contrast, falls $600 per year under the national median.

Median Insurance Costs for New York Personal Trainers

Save time and money with Insureon

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