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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.
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What types of business insurance do personal trainers need?
These insurance policies cover the most common risks in the fitness industry.
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.
BEST FOR
- Slip-and-fall accidents
- Libel and other advertising injuries
- Product liability coverage
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for fitness professionals to buy general liability coverage and commercial property insurance together.
BEST FOR
- Client bodily injuries
- Accidents that damage client property
- Business property damage
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).
BEST FOR
- Client injuries caused by your training
- Failure to achieve promised goals
- Malpractice claims
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-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Legal fees from employee injuries
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a vehicle owned by your personal training business. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Lawsuits from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps your personal training company recover from data breaches and cyberattacks. It's strongly recommended for any business that stores customer information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does personal trainer insurance cost?
A personal trainer who visits clients' homes will pay less for insurance than a personal training studio.
Several factors impact your personal trainer insurance costs, including:
- Fitness services offered, such as boxing or weight lifting
- Business property and equipment
- Business income
- Location
- Types of insurance purchased
- Deductibles, per-occurrence limits, and aggregate limits
- Additional insured endorsements
Strengthen your business with insurance
How do I get personal trainer liability insurance?
It's easy to get business insurance for personal trainers, group fitness instructors, yoga instructors, and Zumba instructors 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:
- Complete a free online application
- Compare insurance quotes and choose policies
- 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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Common questions about personal trainer insurance
How do I insure equipment that travels with me?
A standard commercial property policy covers your building and its contents. If you bring exercise equipment or other items to gyms, events, or clients' homes, you'll want to consider inland marine insurance.
Inland marine insurance covers mobile equipment during its use and storage off-site, as well as during transit. You can usually add this coverage to your commercial property policy or business owner's policy as an endorsement.
What are the exclusions for personal trainer insurance?
Personal trainer insurance is designed for the typical risks of the profession. If your work extends to stunts, tumbling, or pool activities, you may require additional coverage.
Some policies may not cover trainers who are younger than 18 or coaches of organized competitive sports teams. Talk to a licensed agent to make sure your insurance covers your business's unique risks.
Can I get insurance coverage for virtual training?
If you offer virtual training, such as materials made available to clients on their own time, you can still get coverage. Check with an agent to make sure it's not excluded from any policies or to add endorsements as needed. Insurance companies offer policies with different coverage terms, which is why it's important to check.
Can I get insurance for training at a gym or multiple gyms?
Yes, it's possible to get fitness insurance regardless of where you train. However, you'll want to check with an agent to make sure your unique risks are included in the terms of your policy.
In some cases, you may need to add a gym as an additional insured on your policy. You may also want to ask the gym you work at if they can add you to their policy as an additional insured.
If you work at multiple gyms, you'll need to make sure you're covered at each place that you train.