Business Insurance for Personal Trainers

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Personal Trainer
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Injury is a real possibility when helping clients achieve their fitness goals. If a client blames an injury on improper training, personal trainer insurance can cover your legal costs.

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One application, multiple quotes

Insureon helps personal trainers compare quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do personal trainers need?

These policies cover the most common risks for personal trainers.

Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for personal trainers to buy general liability coverage and commercial property insurance together.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
General liability insurance icon

General liability insurance

This policy covers common personal training risks, such as a client slipping when getting off a treadmill. Bundle with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp when a personal trainer hires employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Missed wages
  • Legal costs
Professional liability insurance icon

Professional liability insurance

Professional liability insurance for personal trainers can cover legal expenses related to work mistakes, such as a client who claims your technique led to injury.

  • Claims of professional negligence
  • Client injury caused by your training
  • Failure to achieve fitness goals
Looking for different coverage? See more policies.

Why do personal trainers need insurance?

Your goal of improving your clients’ health comes with several risks. A client could break a bone, or sue if they fail to achieve your promised results. Personal trainer insurance, as well as insurance for athletic trainers, protects your business from lawsuits related to client injury, failure to meet fitness goals, damaged equipment, and more.

How much does personal trainer insurance cost?

Fitness professional in a tank top calculating insurance costs.
Professional liability insurance costs personal trainers less than $35 per month. Several factors will have an impact on personal trainer insurance costs, including:
  • Fitness services offered, such as boxing or weight lifting
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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