Business Insurance Requirements for Personal Trainers in North Carolina

It’s not just a Duke vs. UNC thing. North Carolinians’ love of athletics and physical fitness goes far beyond that. That means there’s opportunity and then some in the Tar Heel State for personal trainers.

To start working as a personal trainer, one of the first items to consider is small business insurance. The specifics of which policies you need depend on the specifics of your business.

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 is often mandatory, too. It can prove invaluable if you or one of your employees is injured on the job, covering everything from medical bills to lost wages.

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 North Carolina, 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 North Carolina 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
1099 / independent contractor X X  
Business owner with employees X X X
Solo business owner 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.

North Carolina workers’ compensation: North Carolina state law requires workers’ compensation coverage for all small businesses that employ three or more workers. But even if you’re a sole proprietor, workers’ comp can make smart business sense. Even a relatively minor injury can keep a personal trainer out of work, which means lost wages in addition to medical fees. Workers’ comp can help with both these expenses. The following data from the Bureau of Labor Statistics shows the most common workplace injuries experienced by personal trainers in the United States.

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

Business insurance costs for personal trainers in North Carolina

Personal trainers in North Carolina tend to pay less for business insurance than personal trainers in other states. While general liability insurance is on par with the rest of the country, you’ll most likely pay less for your business owner’s, errors and omissions, and workers’ comp policies. The following chart provides details on several key policies:

Median Insurance Costs for North Carolina Personal Trainers

Save time and money with Insureon

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