Business Insurance for Personal Trainers

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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 pay both medical and 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 provide coverage for the most common personal training risks.

Business owner’s policy icon

Business owner’s policy

A BOP bundles property insurance and general liability insurance under one plan. A BOP is often the most cost-effective type of commercial insurance for personal trainers.

BEST FOR
  • 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.

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

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for fitness studios that have employees. It can cover medical bills for work-related injuries.

BEST FOR
  • 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.

BEST FOR
  • Claims of professional negligence
  • Client injury caused by your training
  • Failure to achieve fitness goals
Looking for different coverage? See more policies.
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See personal trainer insurance requirements in your state

Choose your state to learn about insurance requirements for personal trainers.

How much does insurance cost for sports and fitness professionals?

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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
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What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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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 you fail to achieve 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.

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