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

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

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

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

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

View Costs

What our customers are saying

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours. Up to that point, I had spent hours going in circles with others."

Michael D.

Custom programmer

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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