Business Insurance Requirements for Personal Trainers in Pennsylvania

Personal trainers in Pennsylvania are fulfilling a vital role. Nearly one in three adults in the state are obese, and more than 25 percent did not participate in any physical activity within a month, according to data from the Centers for Disease Control and Prevention. Whether you’re cycling in Pittsburgh or circuit training in Philadelphia, you’re working to help your clients get healthy and reduce their risk of health problems.

Business insurance is one of the best ways to maintain your company’s health and reduce the risk of financial problems. Choosing the insurance to best safeguard your personal training business depends on your individual risk and key business decisions that define your company. Will your company rent office space? Most leasing agreements require proof of general liability insurance and/or commercial property insurance. Do you plan to hire employees? Pennsylvania state law requires all small businesses employing one or more workers to carry workers’ compensation insurance. Coverage for sole proprietors is optional. You may be asked to show proof of professional liability insurance by potential clients. Also called errors and omissions insurance, this policy can help cover costs relating to a lawsuit filed as a result of an unsatisfied client or a business discrepancy.

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 Pennsylvania, and start an application to get your free quotes today.

Find the right insurance policy for your personal training business

The most common policies for personal trainers in Pennsylvania 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
Sole proprietor X X  
Contractor / freelancer X X  
Employer X X X


General liability insurance: General liability insurance is the foundation of a personal trainer’s business protection with coverage that 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.

Pennsylvania workers' compensation: Pennsylvania state law requires workers’ compensation coverage for all small businesses that employ one or more workers. If an employee is injured on the job, workers’ comp can help pay for medical fees and lost wages. Coverage for sole proprietors is optional. Pennsylvania is one of the few states that offers insurance through its competitive state fund. Getting coverage through a private insurer is still an option.

Personal training is an inherently physical occupation. Personal trainers are most at risk of workplace injuries resulting from overexertion and bodily reaction, according to data from the Bureau of Labor Statistics, shown in the chart below. It can be difficult or impossible to perform your job with a torn ligament or even a relatively minor injury, which makes workers’ comp something trainers should consider seriously.

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

Business insurance costs for personal trainers in Pennsylvania

Personal trainers in Pennsylvania can expect their business insurance costs to trend higher than the national median, according to an analysis of Insureon applications. Workers’ compensation coverage is generally the most expensive policy for personal trainers, given the physical nature of the job. It may be tempting to go without workers’ comp, but any short-term benefit could disappear if you suffer a workplace injury without a policy in place. In all, Pennsylvania personal trainers can expect to spend around $300 per month to protect their company’s health with business insurance.

Median Insurance Costs for Pennsylvania Personal Trainers

Save time and money with Insureon

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