Personal Trainer Insurance

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Business Insurance Requirements for Personal Trainers in Ohio

Residents of the Buckeye State are well-known for their love of sports and fitness – which is a boon if you’re thinking about going into business as a personal trainer. In fact, Ohio’s rural northwest has the third highest rate of personal trainers outside of metropolitan areas in the nation.

Regardless of where you set up shop in the state, business insurance can help protect your company from financial loss resulting from lawsuits, injuries, and other misfortune. For instance, general liability insurance can help protect you should a client suffer an injury; it’s often mandatory when it comes to signing a commercial 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 in the event of a data breach or electronic theft of your clients’ credit card numbers or other sensitive 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 Ohio, 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 Ohio 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
1099 / independent contractor X X  
Business owner with employees X X X
Solo business owner X X  
Partner X X  


Here are more details about 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.

Ohio workers' compensation: Ohio state law requires workers’ compensation coverage for all small businesses with at least one employee. Whether you own a gym in Akron, teach classes at the YMCA in Canton, or run personalized sessions in your clients’ homes in Cleveland, injuries are always a possibility. When they occur, workers’ comp can help pay for medical fees and lost wages. The chart below illustrates the most common workplace injuries experienced by personal trainers in the United States, according to data from the U.S. Bureau of Labor Statistics.

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

Business insurance costs for personal trainers in Ohio

The chart below shows the median costs of the most common business insurance policies for personal trainers in Ohio. The median cost of errors and omissions and general liability insurance in Ohio are on par with the national median, while a business owner’s policy costs slightly less in Ohio than it does in other states. Overall, the insurance rates in Ohio are not far from the national medians.

Median Insurance Costs for Ohio Personal Trainers

Save time and money with Insureon

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