Why Do I Need Personal Trainer Liability Insurance?

Aug 23, 2018 · 10 minutes to read

Personal Trainer tool: dumbbell and a pair of gloves

Personal training is an exciting career path. Whether you are just embarking on this journey or are an established personal trainer with years of experience, it’s always exhilarating realizing that you are helping people achieve their health and fitness goals. After all, that’s why you got into this business in the first place, right?

More and more former athletes and those with a passion for health and fitness choose to become personal trainers because let’s face it, it’s a business that is hard not to be excited about. With low barriers to entry, limitless income opportunities and the ability to set your own hours and choose your clients this business model is attractive, to say the least.

Unfortunately, one of the most significant drawbacks of the industry is the high chance of lawsuits. Working with many different customers on a daily basis, the risk of someone feeling you have not done your job is high. This is where personal trainer liability insurance comes to the rescue!

The risk is compounded by the seriousness of allegations that can be brought against you. You are dealing with health and fitness here. Failure to correct form during exercise, setting up the equipment in a wrong way or pushing your client too hard can result in serious injuries, health ramifications and in severe cases a stroke or death.

So, what do you do?

As the title of this blog post suggests, we will talk about personal trainer professional insurance and why you need it. Beware: the insurance policy will not help you avoid making mistakes, nor will it reduce the likelihood of a lawsuit.

However, what it will do, is protect you from the financial fallout of the lawsuit. If the worst were to happen, then an adequately written insurance policy will help offset the financial burden of the lawsuit.

Your customer could –

–    get injured due to not having a proper form on the exercise machine

–    get injured attempting an exercise routine that is too difficult in light of their medical condition

–    get injured by misusing equipment (and you failing to correct them)

–    suffer a stroke due to overexertion

It’s important to note that your exposures as a personal trainer do not end with a faulty exercise routine or customer’s allergy reaction. There are many things which and could go wrong during a session.

Working with a multitude of personalities, your customers might also sue you for –

–    unlawful medical information disclosure (HIPAA)

–    damage to customer’s property (especially important if you train at someone’s house)

Sometimes you will make mistakes (you are only human after all) and sometimes the client will insist on finishing the routine despite alarming symptoms. If anything happens, you can still get sued, with the customer alleging negligence on your part in failing to stop them.

In any case, the result is often the same – you, the personal trainer, getting sued for causing or contributing to your client’s injuries.

We’ll shed some light on what is typically included in a personal trainer professional liability insurance policy, explain what to look for when purchasing the policy and most of importantly illustrate why you need such a policy with real-life claim examples.

Why do I need a professional liability insurance policy?

We briefly touched on the answer to this question above – the reason why you would get a personal trainer professional insurance policy is to protect yourself from the financial downfall a lawsuit may cause.

You might be thinking – what about waivers? After all, most fitness clubs make their members sign a liability waiver releasing the gym and the trainers from any liability. The problem is that waivers work best as a deterrent measure. This means that if someone signed a waiver, they might decide not to sue since they feel that they already signed away that right. However, if the case goes to trial, every state has different laws about waivers. A judge can also choose to disregard the waiver based on a legal precedent or the gravity of the allegation.

Depending on the state the waiver might not save you from a trial.

Let’s take a look at a few claim examples:

Honeycutt v. Meridian Sports Club, 2014[1]

A beginner student in a kickboxing class was having trouble executing a roundhouse kick. The class instructor, an experienced martial arts instructor and a certified personal trainer, was helping Ms. Honeycutt to execute the kick when her knee got injured. The student brought a lawsuit against the gym and the trainer alleging gross negligence. The waiver signed by the student was considered and accepted by the court, and the case was thrown out.

Even though the personal trainer won the case, it still cost him (or rather his insurance company) a pretty penny in attorney fees, court fees, and the cost to investigate the case.

With an average lawyer charging between $200-$400 per hour, the total cost was undoubtedly in tens of thousands at least.

Family of Anne Marie Capati v. Crunch Fitness [2]

Anne Marie Capati was a member of Crunch Fitness and has hired one of their personal trainers. The personal trainer instructed Ms. Capati to take nutritional supplements to enhance her workout results. The problem was that Ms. Capati was on a doctor prescribed medication. This medication interacted with the supplements which caused her death. The family sued both the trainer and the fitness club. Ultimately, the case went to trial, and the jury has awarded $1.4M to the family.

Suzan Butler v. Planet Fitness[3]

Suzan Butler, a 62-year-old Planet Fitness member, sued her personal trainer after sustaining severe injuries during an exercise routine. The trainer and the client were performing exercises on a Bosu Ball, which is an inflatable ball attached to a platform. The trainer had directed his client to stand on the platform, the inflatable ball part on the ground. As a result, the defendant lost balance, was catapulted into the air and fell on her right-side sustaining hip and wrist fractures. Both parties went to mediation before a judge and settled for $750,000.

As you can see from the above examples, lawsuits are costly. Whether or not the case is thrown out or you are deemed guilty of negligence, all the costs associated with proving your case and fighting in the court of law can be financially draining.

This is the one of the main reasons personal trainers purchase a personal trainer professional liability insurance policy. You will get the peace of mind that if something like this were to happen, then you and everything you worked so hard to build is protected.

Now that we (hopefully) convinced you that a professional liability policy is a must for any personal trainer, let’s take a look in depth at the coverages the policy typically provides.

What is personal trainer professional liability?

Personal trainer professional liability policy’s primary goal is to provide coverage for lawsuits that allege professional negligence.

As a certified personal trainer, you are expected to possess a certain degree of knowledge that your customers do not have. You are also held to a certain degree of professional standards. A professional liability policy will respond to a lawsuit that alleges you did not do that.

The policy covers the following

– court fees

– attorney fees

– fees to investigate the claim

– cost of any settlements or judgments against you

Even if the complaint against you results in a nuisance lawsuit, the cost to defend you is still covered. You do not have to be found guilty to receive the policy’s coverage.

It’s important to note that the policy will cover you up to a specified limit, for example, $1,000,000.

Below is the list of additional coverages that are typically provided (consult your particular policy or quote to verify if you have these coverages)

– libel or slander

– business interruption, i.e., the lost wages or income for attending mediation or trial

– licensing board investigation

Difference between general liability and professional liability insurance

A common mistake many of our clients make is assuming that a general liability policy covers them for professional acts. This kind of assumption is what gets you in hot water down the line and leaves you completely unprotected in a case of malpractice (or professional liability) claim.

A general liability insurance policy excludes any acts done in your professional capacity as a personal trainer.

Related: General Liability vs Professional Liability insurance: Difference

Wouldn’t I be covered by the insurance of the gym I work in?

It’s tempting to rely on your employer’s insurance to help you out of sticky situations. After all, their insurance should cover you too, right?

Not exactly. There is a possibility of their policy extending coverage to you; however, it warrants a discussion with your employer.

Training clients outside of the club – Any professional policy the fitness club has will only extend coverage to activities at the club and on behalf of the club. It means that if you book a client outside of the gym that you work for and train them independently – you won’t have any coverage for this exposure through the gym’s policy. In business, especially if you are just starting out, it’s important always to be ready to take on new clients. You can’t do that if you do not have your own separate insurance policy.

Individual coverage – When an attorney prepares a lawsuit, they often name the personal trainer in the complaint along with the gym. Depending on how it is written, a professional liability policy might not provide coverage for you individually. This means that if you are individually named in the lawsuit, you will be responsible for the cost of the attorney, legal fees and a share of the settlement. Can you imagine how costly it could get?

These two issues warrant a serious discussion with your employer; otherwise, you might be looking at hundreds of thousands of dollars in unforeseen expenses.

At BizInsure you can identify your coverage needs as well as receive personal trainer professional liability instant quotes.

What is not covered?

There are a few scenarios that a professional liability policy won’t cover. Some exposures will be covered under other policies (employee injuries are covered under workers compensation policy; employment disputes under employment practices liability policy).

Certain exposures such as intentional or illegal acts are not covered under any policy.

– Intentional wrongdoing

– Illegal act

– General liabilities

– Employee injuries

– Employment disputes.

– False advertising

– Property damage

How much does personal trainer liability insurance cost?

The cost of the professional liability policy depends on a few factors. These factors include your age, location, experience and any advance certifications. Other factors that affect the premium are the policy limits and any deductibles.

Personal trainer liability insurance cost typically starts from $400 a month.


We hope that this blog post shed some light on how important a professional liability policy is for a personal trainer.

Whether you are working for a gym or striking out on your own, it’s essential to protect yourself and your financial stability.

BizInsure can provide you with instant quotes as well as human support on the other side of the screen (or the phone!). Click here to complete a short online form to receive your quotes instantly.

[1] Cotten, D (2015). Casues of Personal Trainer Lawsuits – Part II. [online] Sports Waiver. Available at: https://www.sportwaiver.com/causes-of-personal-trainer-lawsuits-2/[Accessed 05.08.2018].

[2] Leagle, (2002). Capati v. Crunch Fitness International Inc. [online] Available at: https://www.leagle.com/decision/2002476295ad2d1811360 [Accessed 05.08.2018].

[3] Schoenfeld,S (2015). 62-year-old awarded $750,000 in suit against Branford gym. [online] Available at: https://fox61.com/2015/03/20/62-year-old-awarded-750000-in-suit-against-branford-gym/ [Accessed 05.08.2018]

Get Free Online Quotes and get coverage instantly

The coverage you need for your business.

Business insurance is divided into different policies. We offer 4 types so it's easy to design the coverage that fits your business.

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Let's find

The coverage you need for your business

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

Get a quote

Very good information patience was shown. Much help from Kaled, satisfied with the amount of insurance and good coverage. Affordable is what you need with starting a small business until you grow. Old saying is go as you grow.
Jacquelynn W.
21:53 20 Jan 23
Professionals at what they do! easy to navigate and very good people to lead to to the best coverage!
Magnifier 2.
20:37 17 Jan 23
I have been shopping for business liability insurance for several months. I am happy to share that BizInsure ranked #1! The representatives were polite, patient, and empathetic. They accomplished what most companies struggle with achieving: they did what they said they were going to do, they were on time, and they had empathy. They delivered a policy for 25% less than the closest competetor, and even included $50k of cyber security at no additional cost! I only write reviews when I receive exceptional experiences- highly revommended; keep up the great service BizInsure!P.S. I own a professional referral service in Hawai'i and I am going to see if BizInsure offers an affiliate program.Aloha!
John S.
05:51 23 Nov 22
They respond quickly and give you quotes immediately ...
Regean K.
23:55 09 Nov 22
The agent that I spoke to was very experienced and could tell that I was new at this and was very understanding and took the time to explain everything to me.
lotanga J.
00:04 15 Oct 22
Easy to work with and very responsive. Glad to have them as my broker.
Edward G.
18:54 13 Sep 22
We’re very happy with BiInsured LLC. VERY AFFORDABLE
Paul A. F.
19:20 11 Sep 22
Jasmine Q was on the spot professional, she knew where to direct me and explain to me my concerns and request; she delivered my personal information within minutes of me asking policy questions.That young lady is a true ROCK STAT!!!
Shaka 3 Z.
23:09 15 Aug 22
For a small non-profit, the package I was given was affordable. The representative was polite, patient, understanding, and knowledgeable.
Gertrude R.
18:06 15 Aug 22
Asked for a specific venue to be place on our certificate of insurance and it was done within one business day. Yay! Bizinsure!
Melinda S.
17:02 01 Aug 22
The process was fast and easy and the professional staff was very knowledgeable with any questions that I had and ready to help
06:40 31 Mar 22
Friendly agents. Timely replies. Fair pricing. This is a good fit for my business! Thank you, Noah, for all your help.
Beth Anne V.
19:27 28 Mar 22
They are awesome
Tony H.
00:41 07 Jan 22
Noa made sure I had all the information I needed for a first time business owner . He helped me understand what I needed to secure a quality policy and he was super helpful when explaining how the policy would serve its purpose to my company. I was very satisfied and had an Awesome experience, I think people like that make the company look good!
Wayleen O.
04:36 15 Oct 21
I was in need of WC, GL and PL coverages for my business and was able to shop, discuss, confirm and purchase all the coverages in two days! This was a great experience, especially when "Time is Money". Noah Bowman was very professional and knowledgeable. Thanks!
AmeriCreed 1.
15:42 23 Sep 21
19:49 09 Sep 21
Their representative clearly explained different kinds of policies to help me select the one appropriate for my needs and then helped me enroll by phone painlessly. By the end of the call, I had a policy in place.
Dissent D.
22:21 02 Sep 21
Eugene was Awesome!!!!
Lakesha G
17:19 21 Jul 21
Excellent solution for writers and authors professional liability policy as well as coverage for copyright and trademark infringement. Service was prompt and excellent.
18:22 22 Jun 21
Done in less than an hour!
William O.
00:30 02 Jun 21
Efficient, and great value. The agent was able to give us a quote and a new policy in a short period of time. Thank you
Brenda J.
20:30 24 May 21
I had a great experiencing obtaining several of my insurance needs as a landscaping company here in Northern Colorado. BizInsure's team took care of my needs and was very responsive to help with paperwork needed to secure a potential client account!
Arik S.
16:34 10 May 21
Very efficient they were able to help me out with my request promptly....highly recommend this companyI am very happy to have them
Elba P.
18:50 26 Apr 21
I need a help getting errors and omissions insurance along with general liability. Jose was very friendly informative and was very patient with me during the process. He found me some of the best rates for the coverage that I needed. Highly recommend
Casper M.
19:51 20 Apr 21
I had numerous conversations with several business insurance agents over a month's time. I also had several conversations confirming the policy inclusion/exclusions and asked many questions. My BizInsure agent was professional, knowledgeable and most important—detail oriented. Even after having an initial conversation a month earlier he knew and *remembered* all my personal/professional insurance needs. When I asked for additional information on the third call he was able to provide me with details very quickly. He was also VERY patient. That is a big plus in my opinion. It illustrated a high level of respect for my needs. I also found when I called back and asked to talk with the initial agent, the person who answered the call was able to get in contact quickly and my agent responded and returned the call within 5-10 minutes. The transaction was smooth, and I think it's a good sign should I ever need to make a claim. I highly recommend BizInsure.
Poetic F.
21:00 07 Apr 21
The rep was extremely helpful actually lowered my quote and made sure I was covered to fit my needs with my growing business! 5star!!
Franklin B.
19:04 16 Mar 21
Excellent service and prices.
Cassiopée V L.
23:13 09 Mar 21
Mr. Daniel Scott was very responsive to my professional needs.
Stephanie W.
17:38 18 Feb 21
Eugene deserves a raise! First time purchasing insurance and he made the process so simple for me. His patience and attention to detail left me feeling confident in my decision to choose BizInsure. Gracias Eugene!
Esined P.
23:32 17 Feb 21
The customer service provided by Jose was outstanding. He explained everything in a very clear/logical way and answered all of my questions. After providing all the information to obtain general liability insurance, Jose sent me the declaration page of the insurance for review. All of the information matched what I provided over the phone and there were no typos. The next day I called back to purchase the insurance which was easy and fast. Overall, my experience with BizInsure including the customer service by Jose exceeded my expectations.
Joe W.
03:29 12 Dec 20
Hiscox/BizInsure made getting Liability Insurance very easy and reasonable.I expected it to be a long and complicated process and it was a nice surprise that they made it so uncomplicated. Thank you. Lisa
Lisa W.
21:51 24 Nov 20
Eugene was incredible. I called 4 other brokers before him who were impossible to get any help.
rhonda H.
23:26 12 Nov 20
Very quick to get in touch with you and good with follow up. Had some trouble retrieving my quote to log into my account initially but Daniel assisted me and the changes were made to get me into my account. Great value for the money.
Fran S.
16:34 20 Sep 20
Very happy to be insured with this company. Professional, Timely, very helpful. Thank you Juan, you made it so much easier for me to understand.
Aileen D.
19:55 15 Sep 20
This company responded when I needed them to respond while facing a deadline. They are an excellent choice for business Insurance.
Michele H.
01:52 12 Sep 20
Jose Quintero took such great care of me and was very patient explained everything I did not understand and got me set up quickly. Fabulous customer service
Christina R.
02:41 27 Aug 20
I can't say enough good things about Daniel Santos kind and effective communication skills as an insurance agent. Daniel was so pleasant, friendly and efficient with helping me obtain insurance as a teacher. If I were to give Daniel a grade, he has earned an At . He made the process easy to understand, it was far easier than what I anticipated. Nancy S.
Nancy S.
00:47 26 Aug 20
I was in need of professional liability insurance for my sole proprietorship. A friend referred me. Everythng was quick and simple and AFFORDABLE!
hope J.
20:31 25 Aug 20
If you need Private Home Care Provider insurance for your company, BizInsure, LLC can get it for you!
Pamela C.
16:45 24 Aug 20
Great and fast service!!!! The representative was very professional!!!!
Tanya S.
19:51 14 Jul 20
I was tryi9ng to find commercial liability insurance for my new comp-any and BizInsure was easy to use and very affordable which is great for me as a new business.
Jimmy S.
19:01 14 Jul 20
Great service insurance prices are great for professionals looking to get insurance for businesses....
Rhonda G.
22:34 22 Jun 20
The provided very professional service and made the process easy.
Paul R.
21:51 04 Jun 20
Bradley Hoyle from the Biz Insure team was excellent to work with. Everything was quick and smooth. Great service, much appreciated!
Kristene S.
02:03 04 Jun 20
Anthony Spencer was great!! Very quick response time!! He was very Professional! I would suggest him because he helped me find a affordable rate and explained all the technicalities..
Fre H.
16:38 28 May 20
I was referred to Bizinsure by a industry trade group that I am a member of. It was easy to get a quote online and then received excellent customer service from Bradley H. to complete my policy purchase over the phone. I have shared this company information now with other business owners for their policy needs.
Dawn T.
22:11 08 May 20
This company was very precise with explaining services and made sure I chose the right business insurance coverage, great customer service at purchasing.
Nekeisha B.
01:30 05 May 20
Jasmine Q
14:31 02 Dec 19
Trish is the most patient, professional and understanding insurance agent I’ve ever worked with. Trish has taken care of all my business insurance needs for the last couple years. I am really happy that I found an insurance agent that I know will take care of me & all of my concerns. I feel like a valued customer & I appreciate the great customer service that I get every time!!THANK YOU!
Dr. Youssef C. A.
17:21 14 Nov 18
Tricia helped me get insurance for my business. The task of obtaining a quote was really starting to frustrate me until I was referred to BizInsure through a different agency. Tricia got me a quote fast, and even took a down payment over the phone and issued the proof of insurance the same day. a+ service, would do it again in a heartbeat!! Thank you!!
Josh M.
18:07 22 Jun 18
BizInsure was a great find! I did not have to fill out applications, and Tricia was able to quote and bind business insurance for me within half an hour.
Allison Y.
17:28 21 Jun 18
Started doing business again and needed a policy fast. Ramez was reasonable, helpful and the rates are OK. Buyer beware? Sure, for me it turned out OK this time. Worth a call.
Mark W.
23:42 13 Nov 17
Great customer service. I've been very inpressed with my dedicated representative that had helped me navegate my insurence needs. Thanks so much!
Graham B.
22:12 23 Jun 17

Popular Searches

Google Rating
Based on 82 reviews