Business Insurance for Personal Trainers

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Personal Trainer
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Why do personal trainers need insurance?

Injuries are a real possibility when helping clients achieve their fitness goals. Personal trainer insurance policies can protect your business from legal costs related to client injuries, or lawsuits alleging you failed to deliver promised results. They also cover fires, theft, data breaches, and employee injuries.

Personal trainer coaching a person lifting weights.
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Get same-day insurance

With Insureon, you can get personal trainer insurance coverage the same day you apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

What types of business insurance do personal trainers need?

These insurance policies cover the most common risks in the fitness industry.

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.

  • Client bodily injuries
  • Accidents that damage client property
  • Business property damage
General liability insurance icon

General liability insurance

A general liability policy covers basic third-party risks, such as a competitor who sues for defamation over a social media post. Bundle it with property insurance for savings in a BOP.

  • Slip-and-fall accidents
  • Libel and other advertising injuries
  • Product liability coverage
Workers’ compensation insurance icon

Workers’ compensation insurance

This insurance covers medical costs from work-related injuries. Most states require it for businesses with employees, and it also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Legal fees from employee injuries
Professional liability insurance icon

Professional liability insurance

A professional liability insurance policy covers legal expenses related to work mistakes, such as an aerobic training session that causes an injury. It’s sometimes referred to as errors and omissions insurance (E&O).

  • Client injuries caused by your training
  • Failure to achieve promised goals
  • Malpractice claims
Looking for different coverage? See more policies.

Strengthen your business with insurance

How much does sports and fitness 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 property and equipment
  • Business income
  • Types of insurance purchased
  • Deductibles, per-occurrence limits, and aggregate limits
  • Additional insured endorsements
View Costs

How do I get personal trainer liability insurance?

It's easy to get business insurance for personal trainers, group fitness instructors, yoga instructors, and physical therapists if you have your company information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate for proof of insurance

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance plan for your personal training business, whether you work independently or run a health club.

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