Business Insurance Requirements for Personal Trainers in Texas

Whether you’re launching a one-on-one fitness program in health-conscious Austin or opening a triathlon-focused studio in San Antonio, being a personal trainer in Texas comes with a unique set of opportunities and responsibilities, particularly when it comes to insurance. For example, you might be required to carry general liability insurance if you are planning to rent a commercial space for training sessions. That policy will also protect you should a client experience an injury at your business. However, you might need additional coverage with a professional liability insurance plan to protect yourself if a client is injured during a workout.

Insureon makes shopping for insurance easy with industry-leading technology that gathers quotes from top U.S. carriers to serve your business needs. Read more to find out which policies are most common for personal trainers in Texas, 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 Texas 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 X
Partner X X X
Contractor / freelancer X X X
Employer X X X


Here’s a brief summary of each of these key policies and how they 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.

Texas workers' compensation: While Texas, unlike many states, does not require most businesses to have workers’ compensation insurance, in a field like personal training it makes smart business sense. These policies protect your business from paying out of pocket in the case of unpredictable on-the-job injuries or lawsuits. It might be wise to include it among your list of policies, especially if you’re a fitness instructor in the greater Houston or Dallas areas, two regions that rank in the top 10 for highest employment level of personal trainers and earn higher than average annual incomes. In the chart of data from the Bureau of Labor Statistics below, you’ll find some of the injuries reported by fitness instructors and trainers across the United States, the most common being overexertion and bodily reaction.

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

Business insurance costs for personal trainers in Texas

To see how the cost of your personal trainer insurance coverage stacks up in the Lone Star State, see the chart below. As mentioned earlier, workers’ comp insurance is not a requirement for most businesses in Texas. However, if you are considering a policy, the median cost in the state – $1,250 – falls below the national median by almost $200.

Median Insurance Costs for Texas Personal Trainers

Save time and money with Insureon

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