Learn about business insurance requirements and the most common policies for personal trainers in Texas.
Which policies are required for personal trainers in Texas?
If you have a commercial lease, your property manager may require you to purchase general liability insurance. Commonly purchased by personal trainers in Texas, general liability insurance can protect your business from expenses associated with common mishaps, such as client property damage and injuries.
Texas does not require businesses to have workers’ compensation coverage, which covers medical bills for work injuries. But in a field like personal training, it makes smart business sense.
What are the most common policies for personal trainers in Texas?
The most common policies for personal trainers in Texas vary depending on the value of your business property, the number of employees, and other factors.
Business owner's policy (BOP)
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
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.
Texas workers' compensation
Texas, unlike most states, does not require businesses to have workers’ compensation coverage. However, in a field like personal training, some would consider this policy essential. Workers' comp protects your business from paying out of pocket for on-the-job injuries or lawsuits over employee injuries.
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. 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.
What do Texas personal trainers pay for insurance?
According to an analysis of Insureon applications, the typical personal trainer in Texas can expect premiums comparable to the national median for business insurance. For example, the median annual cost of general liability insurance for a Texas personal trainer is $350, the same as the national median. The median for workers' compensation is $1,250, slightly less than the national median of $1,361.
Save time and money with Insureon
Insureon’s industry-leading technology helps personal trainers in Texas 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 Texas and can answer your questions as you consider coverage.
To make the application go quicker, have this information ready:
- Workforce details, such as the number and types of employees
- Current and projected revenue
- Business partnerships
- Insurance history and prior claims
- Commercial lease insurance requirements
Apply for free insurance quotes for personal trainers today.