Your quick guide to choosing insurance for your personal training business — with clear reasons many NASM‑certified pros choose Insurance Canopy.
Note: Insurance Canopy isn’t affiliated with or endorsed by NASM. This guide is for educational purposes to help certified trainers compare options and choose the best fit for their business.
Why NASM‑Certified Trainers Need Liability Coverage
Many fitness facilities require you to have your own liability insurance before allowing you to train on-site. Most will also want a copy of your certificate of insurance (COI) and to be listed as an additional insured on your policy.
If you coach virtually or bounce between gyms, you’ll need a policy that covers you in each place you teach. Individual gyms won’t cover you outside of their spaces, so it’s easier (and smarter) to have insurance attached to you instead of relying solely on a facility’s policy.
Compare your options: Explore the top insurance coverage options for certified personal trainers in our dedicated guide with fair, apples-to-apples comparisons.
6 Reasons NASM‑certified Trainers Choose Insurance Canopy
Fitness professionals choose us because we provide comprehensive, customizable, and affordable insurance coverage for sports and fitness professionals — including Pilates instructors, dance teachers, personal trainers, and 100 other types of sports and fitness pros.
Here’s a more detailed look at why many NASM-certified trainers choose Insurance Canopy:
1. Clear Pricing You Can Plan Around
Pricing starts at $15/month or $159/year. Our simple, transparent pricing makes it easy to include liability insurance in your budget plans alongside other business expenses, like continuing education (CEUs), software subscriptions, and equipment purchases.
2. Strong Coverage Limits (+ a $0 Liability Deductible)
Core coverage includes:
- General and professional liability with $2M per-occurrence and $3M aggregate limits
- Personal and advertising injury (think: invasion of privacy, defamation, or copyright infringement accusations)
- $300,000 damage to premises limit
- $5,000 medical expense limit
- $0 deductible on liability claims
Note: Our gear and equipment add-on coverage has a small deductible of $100 per claim.
3. Add-Ons Made for Modern Coaching
Choose only what you need, so you don’t end up paying for what you don’t. Optional add-on coverages include:
- Diet and Nutrition
- Cyber Liability
- Gear and Equipment (Inland Marine)
- Sexual Abuse and Molestation (SAM)
Plus, our pricing is transparent, so there are no surprises when you check out.
4. Additional Insureds Without the Hassle
Add a single additional insured for $15/year, or choose unlimited additional insureds for $30/year — handy if you work across multiple gyms, parks, other public spaces, and events.
5. Buy in Minutes, Manage 24/7
Instant coverage (and an instant COI), plus an easy-to-navigate and easy-to-manage online user dashboard. Access your documents, add additional insureds or endorsements (also known as optional coverages), or update your payment information through your online dashboard at any time.
6. Real Support from Licensed Agents
Some insurance companies rely only on AI-based customer service systems with limited to no access to live representatives. We understand this can be frustrating when you need more detailed help with a question or concern.
That’s why we have a team of licensed and non‑commissioned (human) agents. If you need assistance from a real person before purchasing a policy or have questions about your insurance at any time, contact us! Our reps are available (in English and Spanish) from 8 a.m. to 8 p.m., Monday through Friday.
See why over 10,000 sport and fitness professionals choose Insurance Canopy.
How to Choose a Liability Insurance Policy (60-Second Checklist)
- Coverage fit: Ensure your policy aligns with your work — whether in the gym, outdoors, or online.
- Limits and Deductible: Confirm that the available liability limits and coverage details meet your facility’s requirements.
- Add‑ons: If you offer nutrition advice or collect client data, add Diet and Nutrition and Cyber Liability coverage. Be sure to get SAM if a venue requires it, and cover your gear and equipment if you travel with it.
- COIs and additional insureds: List every gym and venue you use, and select either single additional insured or unlimited additional insureds based on your specific needs.
- Admin and support: Short-list providers with instant COIs, positive reviews, and licensed agents for when you need help.
Bottom line: If you’re NASM‑certified and you want straightforward pricing, add‑on flexibility, fast COIs, and real human support when you need it, Insurance Canopy is the clear choice.
