Personal Trainer Insurance In South Carolina
Personal trainers in South Carolina need affordable liability insurance that keeps up with their active businesses. From Charleston to Myrtle Beach, Insurance Canopy protects your fitness business, so you can focus on training.
What Does Personal Trainer Liability Insurance Cover?
Insurance Canopy’s personal trainer insurance covers third-party claims involving:
- Bodily injury
- Property damage
- Unmet expectations
- Professional mistakes
- Damage to the space you rent
- Personal and advertising injury
- Medical expenses (regardless of fault)
Power up your training with comprehensive coverage against common claims in the fitness industry.
Do Personal Trainers Need Insurance in South Carolina?
The Palmetto State does not legally require you to carry insurance, but you need it if you want to find work at many fitness facilities. Plus, you need personal trainer insurance to protect your business from out-of-pocket claim costs.
Benefits of Insurance Coverage:
- Financially protect yourself from common liability risks
- Boost client trust — you’re prepared in case of accidents
- Meet gym, studio, and fitness center insurance requirements
- Focus on supporting clients, knowing you’re covered for every session
- Maintain your trainer certification
Personal Trainer Insurance Requirements in South Carolina
Self-employed personal trainers and those working as independent contractors (instead of W-2 employees) should carry:
- General Liability Insurance
- Professional Liability Insurance
- Products-Completed Operations Coverage
- Personal & Advertising Injury Coverage
- Damage to Premises Rented to You Coverage
- Medical Expenses Limit
Insurance Canopy bundles all these essential coverages into one easy policy, so you can focus on helping South Carolinians achieve their fitness goals.
How Much Does Personal Training Insurance in South Carolina Cost?
With Insurance Canopy, personal trainer insurance costs as low as $15 a month or $159 a year.
Some insurance companies base your rates on where you live, your experience, or what you teach. Not us! No matter where you are in South Carolina, our base policy is a flat rate for all personal trainers, designed with transparent pricing and optional add-ons that fit your budget
About Insurance Canopy’s Insurance for South Carolina Personal Trainers
- Coverage backed by an excellent-rated carrier
- Instant insurance and an easy online purchase
- Affordable monthly or yearly payment options
- A comprehensive base policy with optional add-ons
- Occurrence-based coverage* for long-term protection
- 24/7 online policy management via user dashboard
- Nationwide coverage for 100+ fitness styles, including mobile training**
- Support from licensed insurance agents who don’t work on commission
- Free resources to help grow your business!
*All new policies purchased after July 1, 2024 include occurrence-based coverage.
**Currently not for sale in Missouri
Personal Trainer Insurance Reviews
Get covered in South Carolina with top-rated insurance!
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank 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, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I 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, 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, 2025Would 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, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What 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 -
great 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, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything 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, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
Coverage Details
General & Professional Liability
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
Products Completed Operations Aggregate
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
Personal & Advertising Injury
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
General & Professional Liability
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
General & Professional Liability Each Occurrence
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
Damage to Premises Rented to You
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.
$3,000,000
Medical Expense Limit
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
Deductible
The amount we deduct from a claim before paying up to your policy limits.
$ 0
Gear & Equipment Coverage
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
Cyber Liability Coverage
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 – $12.50/month
Gear & Equipment Coverage
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
Diet & Nutrition Coverage
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
Additional Insureds
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
Sexual Abuse & Molestation (SAM) Insurance
Coverage for defense costs if you’re wrongly accused of sexual harassment or improper conduct.
$10.33 – $14.46/month
How to Get a Personal Trainer Insurance Quote in South Carolina
Start working as an insured South Carolina CPT (certified personal trainer) in under 10 minutes.
- Visit the online application
- Select your fitness specialty
- Customize your policy with add-ons
- Tell us about your business
- See your instant quote in the app
Buy your policy online and get instant proof of insurance — it’s that easy!
FAQs About South Carolina Personal Trainer Insurance
Common personal trainer insurance claims include scenarios like:
- You’re leading a class in Greenville when a client trips over another client’s bag, blaming your class setup for their injury
- You’re teaching an outdoor yoga class on the sandy shores of Myrtle Beach, when a client is bitten by a fire ant and has a severe allergic reaction; they expect you to cover their urgent care bill
- During a one-on-one session at a gym in Columbia, your client loses grip of their kettlebell and cracks a wall mirror; the gym holds you responsible for the repair costs
Yes! If you’re a personal trainer based in South Carolina, you’re covered for online training sessions. Your coverage follows you, so you can train confidently online, in a client’s home, at a gym, or all of the above.
You need liability insurance to help pay for injuries and other damages clients may experience. If you don’t have insurance, these claims could also turn into lawsuits. And without insurance, you’d be left to pay medical bills, attorney fees, and other costs on your own.
Costs like these add up quickly and can derail the fitness business you’ve built.
General and professional liability insurance are both included in Insurance Canopy’s personal trainer policies.
General liability covers general accidents that happen at sessions, like injuries from slip-and-falls and damaged property. Professional liability covers you for incidents related to your services, advice, and guidance (within the scope of your business), like accusations of negligence.