Personal Trainer Insurance
Save up to 19% a year on personal training insurance with Insurance Canopy*
Or Annually starting at $159/year
4.8/5 on
- Instant Coverage
- Flexible Payments
- Lifetime Protection
Affordable, Personal Training Insurance Tailored to YOU
Enjoy financial peace of mind, plus helpful tools and resources to power your business — at no extra cost — with Insurance Canopy.
Coverage Details
General & Professional Liability Limits
The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage as a result of your business operations or professional services. For example, someone slips in your studio or is injured during a workout you were leading.
$3,000,000
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.
$3,000,000
The amount your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$0
Optional Add-Ons
Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are a permanent part of the structure. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.
$1.33 – $10.67/month
The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$8.25/month
Coverage for additional services you offer clients, such as diet guidelines, meal plans, or the sale/recommendation of health supplements. These services are not covered by professional liability and require Diet & Nutrition Coverage.
$6.83/month
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$15–$30/year
Coverage for defense costs if you’re wrongly accused of sexual harassment or improper conduct.
$10.33 – $14.46/month
What Is Personal Trainer Insurance?
Liability insurance for personal trainers is coverage specifically designed to protect you, your business, and the work you do with clients. It combines general and professional liability coverage into one plan.
It may also help you pay for medical bills, legal fees, or the cost to repair or replace damaged or stolen equipment, should a claim be brought against you.
You take on a lot of responsibility as a trainer since you’re directly involved with a person’s health, so it’s important to have the right coverage in case something goes wrong.
How Much Does Personal Trainer Insurance Cost?
Monthly personal trainer insurance costs $15 a month, or you can save 13% by switching to an annual policy for just $159 a year.
Our base policy includes coverage for general and professional liability, as well as the option to add on tools and equipment insurance, cyber liability, and diet and nutrition coverage.
Find out more about our insurance costs and coverage for personal trainers.
Do Personal Trainers Need Insurance?
Yes! No matter how careful you are, accidents can happen. Having personal training liability insurance can make handling accidents and claims easier.
Train at multiple gym locations, give nutrition or dietary advice, offer online sessions, or work with clients outside of a gym — your coverage goes with you! We offer coverage to personal trainers in a variety of general and niche practices, such as:
- Aerobics Instructors
- Barre Instructors
- CrossFit Trainers
- Dance Instructors
- Freelance Personal Trainers
- Golf Instructors
- Group Fitness Instructors
- Health Coaches
- Nutrition Coaches
- Online Personal Trainers
- Performance Coaches
- Physique and Bodybuilding Coaches
- Pilates Instructors
- Spin Instructors
- Weightlifting Coaches
- Yoga Teachers
- Zumba Instructors
Online Personal Trainer Insurance
Virtual classes are more popular than ever. Insurance Canopy is proud to provide coverage for online personal trainers, allowing you to expand how you teach.
Our policy covers personal trainers who teach live online classes or offer pre-recorded training sessions.
Additional Coverage Options
Insurance Canopy offers the following coverages as part of a base personal trainer insurance policy or as add-ons you can include during checkout.
($1.33-$10.67/month):
This coverage insures transportable items you use for teaching and running your business, like rollers, magic circles, or a laptop.
$8.25/month):
If you take online payments, teach virtual classes, or store client records on a computer, this coverage helps you recover from a cyber attack on your business.
Diet & Nutrition Coverage
($6.83/month):
This helps cover any diet or nutrition-related services you offer, like creating custom meal plans or offering diet advice to students.
($10.33-$14.46/month):
This coverage helps with defense costs if you’re wrongly accused of sexual harassment or improper conduct.
Insurance Can Save You Thousands
When an accident becomes a financial burden, liability insurance can save the day. With the right coverage for your fitness business, you’ll have a safety net to fall back on. That peace of mind is priceless.
A client’s exercise band slipped and shattered a glass door: $3,000
An instructor was sued for an incident they were not at fault for: $61,045
A gym member tripped over an object during a group exercise class and needed surgery: $43,175
Get covered instantly.
A personal training client was injured on a weight machine during a workout: $217,814
One participant accidentally injured another during a yoga class: $5,789
Claim amounts are estimated based on additional internal knowledge and research. All policies have conditions, limitations, and exclusions. Please read the policy for exact verbiage. Claim scenario circumstances vary in nature and similar claims do not guarantee coverage.
Why Choose Insurance Canopy?
Affordable, top-class coverage is Insurance Canopy’s promise. We offer professional liability insurance for teachers you can purchase in a matter of minutes without ever leaving your house. Plus, we’re valedictorians in the insurance world with an A+ rating from AM Best.
Our U.S.-based licensed insurance agents don’t work on commission because we don’t want to sell you anything you don’t need. Instead, we want to help you find the best coverage for your budget that truly suits your needs.
- Instant Certificate of Insurance (COI)
- 24/7 access to your policy documents
- Customizable coverage that fits your needs and budget
- Monthly payment option available
- Free and unlimited additional insureds
Insurance Canopy for Personal Training Liability Insurance
We Have a (Nearly) 5 Star Rating
-
Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025 -
They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Affordable. Thank you.
Ana Young
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025 -
I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025
Questions About Personal Trainer Insurance
What Types of Insurance Do Personal Trainers Need?
Personal trainer insurance requirements include general and professional liability insurance to cover the most common claims you might face. These main insurance types can pay for claims of injuries, illnesses, or property damage.
Find the insurance you need by state, or create a customized personal trainer liability policy to fit your business’ needs:
General Liability (Public Liability) helps with claims of injuries or damages caused by your business. If someone trips over extra gear lying on the ground or accidentally drops weights during a session, you may be covered for the resulting costs.
Professional Liability (Malpractice Insurance) may cover claims of injuries or damages caused by the services you offer. This could be a client getting hurt while lifting weights or accidentally breaking a machine during a session.
Gear & Equipment (Inland Marine) is an optional coverage you can add to your policy for only $1.33 per month! It helps to insure movable property you use as part of your business, like workout equipment used during classes or filming gear used for virtual sessions.
Medical Expenses is a no-fault coverage limit on your policy that may apply to medical bills, funeral expenses, emotional damage, loss of income, and similar expenses that arise from accidents related to your business or services.
Occurrence Form Coverage is automatically included in all our policies, offering trainers lifetime coverage for claims related to accidents during your policy period. If a client is hurt and years later has medical complications related to their injury, you can still file a claim.*
Property Damage (Damage to Rented Premises) offers protection for buildings and their contents in case of loss or loss of income-producing abilities. The damages or losses are covered if sustained through an event such as a fire or explosion.
What Are Examples of Personal Trainer Insurance Claims?
Imagine you’re training a client and they accidentally fall off a treadmill and damage a wall. The gym owner says you need to pay for the repairs, so you file a claim with your insurance to have help covering the repair costs to the wall and for the injuries to the client.
In another scenario, let’s say you’re an online trainer who makes fitness videos for people who work out at home. Someone is following along to your video when they pull a muscle and need physical therapy to recover. They want you to pay for their medical bills because they blame their injury on your advice. You could file a claim with your insurance to have help covering this expense.
Our personal trainer insurance may cover claims examples like these (and more).
When Will My Insurance Go Into Effect?
You get to choose what day your policy will start. This is the day your insurance will go into effect. You can select today as your start date and enjoy instant coverage from Insurance Canopy.
You can log on to your dashboard to access your Certificate of Insurance, edit any personal or business information, review your coverage details, contact our agents with questions, and more. This allows you to access your account and view your documents wherever you are.
On your online dashboard, you will also find an insurance “site seal” you can display on your website, print on your business cards, or show in your office. It can help your business become more credible and set you apart from the competition.
Can I Get Personal Trainer Liability Insurance by the Month?
Absolutely! Insurance Canopy makes it easy for you to get personal trainer insurance on a monthly basis. Simply select your payment type at checkout and enjoy flexible coverage (starting at $15/month!) that fits your business needs.
Remember: You can save long-term by making one annual payment. It’s a hassle-free way to make sure you’re covered throughout the year, too.
Find customized personal trainer insurance that keeps up with you — every rep, every session, every month!
Customize Your Personal Trainer Insurance Policy
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