Insurance for Personal Trainers
Quick, affordable General Liability from $28.6/month
Professional & General Liability for client-injury & negligence claims
Often required before a gym or studio lets you train on-site
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From multiple carriers
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Buy online in minutes
Save Money
Switch and save
Instant Coverage
Delivered to your inbox
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What does personal trainer cover?
Personal trainer insurance helps protect your business from the financial impact of claims arising from the fitness services you provide and your day-to-day business operations.
Depending on the policy, coverage may include:
- Legal defense costs
- Settlements or damages
- Third-party bodily injury
- Property damage
- Professional negligence claims
- Employee injury benefits under Workers’ Compensation
- Damage to business property under a Business Owner’s Policy (BOP)
Be sure to read your policy documents carefully to understand what’s covered.
Why do personal trainers need insurance?
Even with the right qualifications and careful instruction, personal trainers can face injury claims, allegations of professional negligence, property damage, or other unexpected incidents while working with clients. Insurance can help protect your fitness business from the financial impact of these unexpected events.
What types of insurance do personal trainers and exercise professionals need?
BizInsure offers a combined Professional Liability and General Liability package for personal trainers.
Professional Liability insurance
Professional Liability Insurance covers personal trainer’s against claims of negligence,, errors and breach of duty arising from coaching decisions and exercise. It also covers allegations of failure to screen a client’s fitness level. We offer coverage up to $1 million per occurrence and $3 million in the aggregate.
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How much does personal trainer insurance cost?
General Liability insurance for personal trainers can start from $28.86 per month and combined Professional and General Liability starts at $43.21 per month.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible coverage to match your needs
With BizInsure, you can get customized coverage levels levels to suit your unique personal training needs.
Factors influencing cost
- Risks of the industry
- Coverage level amount
- Annual turnover
- Number of employees
- Claims history
The pricing information on this page is general in nature and provided for illustrative purposes only. It does not take into account your specific circumstances, business operations, or risk profile. Actual premiums vary based on your profession, location, claims history, and other factors.
Get flexible cover to match your needs
With BizInsure, you can get customized coverage levels levels to suit your unique personal training needs.
Unsure how much to choose? Think about:
- Statutory professional requirements
- Coverage required by contracts
- Number of employees being covered
- Your contract value
- Worst case scenario claim size
Frequently asked questions
Per-occurrence and aggregate limits both refer to the maximum payout of an insurance policy, but in different settings.
Per-occurrence limits are the maximum amount a policy will pay for any one incident or claim. Aggregate limits are the maximum amount that will be paid over the duration of the policy.
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