Learn about business insurance requirements and the most common policies for personal trainers in Pennsylvania.
If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by personal trainers in Pennsylvania, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.
State law in Pennsylvania requires every small business with employees to provide workers’ compensation insurance, which covers medical costs for work injuries.
The most common policies for personal trainers in Pennsylvania vary depending on the value of your business property, the number of employees, and other factors.
Personal trainers often qualify for a business owner’s policy. This package helps your business save money by bundling commercial property insurance with general liability insurance at an affordable rate. It protects your business property and guards against common third-party lawsuits, making it the policy most often recommended by Insureon’s licensed agents.
General liability insurance is the foundation of a personal trainer’s business protection, with coverage that extends to accidental client injuries, client property damage, and advertising injuries. Most commercial leases require you to have this coverage.
All small businesses in Pennsylvania that employ one or more workers are required to carry workers’ compensation coverage. If an employee is injured on the job, workers’ comp can help pay for medical treatments and lost wages.
Coverage for sole proprietors is optional. However, if you pull a muscle or sprain an ankle while demonstrating a technique, you can turn to your workers’ comp policy to help pay your medical bills and lost wages.
Pennsylvania is one of the few states that offers insurance through its competitive state fund. Getting coverage through a private insurer is still an option.
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. If you’re sued for unsatisfactory results or a client injury, this policy will help pay the cost of hiring a lawyer, along with a settlement or court-ordered judgment.
Personal trainers in Pennsylvania can expect their business insurance costs to trend higher than the national median, according to an analysis of Insureon applications. At $2,744 annually, workers’ compensation coverage is generally the most expensive policy, given the physical nature of the job. The cost varies depending on the number of employees.
The median annual cost of general liability insurance for a personal trainer in Pennsylvania is $350, which is the same as the national median premium. Professional liability insurance costs a median of $649, higher than the national median of $496.
Insureon’s industry-leading technology helps personal trainers in Pennsylvania save time and money shopping for insurance by comparing policies from top U.S. carriers. Start a free online application to review quotes for the policies that best fit your business. Our insurance agents are licensed in Pennsylvania and can answer your questions as you consider coverage.
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