Insurance Easier Than Finishing That Last Set

Rated 4.8 out of 5

Insurance Easier Than Finishing That Last Set

Getting Clients to the Gym Is Tough Enough

Insurance Canopy provides low-cost, top-rated insurance for personal trainers trusted by thousands nationwide. For as low as 44 cents a day, you can be confident you’re getting comprehensive coverage with the most competitive premiums on the market.

Insurance For Champions

We offer standout insurance that combines essential General and Professional Liability coverages into one base policy. Additional optional coverages then allow you to tailor your policy to meet your needs.

First-Place Pricing

With flexible payment options starting at $15 a month, Insurance Canopy makes fitness business insurance more affordable.

Applications as Quick as Olympians

With an efficient online process, we provide you with high-quality fitness liability insurance in minutes.

We Do Our Thing so You Can Do Yours

Personal trainer insurance protects your business when a client or other third party is injured or harmed by your instruction. Liability insurance for certified personal trainers also provides coverage for property damage and non-physical harm like defamation, false advertising, or copyright infringement.

How Much Does Fitness Instructor Insurance Cost?

Personal trainer insurance starts at $15/month or $159/year. That’s just 44 cents a day!

Our policy is designed to cover full-time and part-time trainers, as well as online and virtual coaches. Plus, our nationwide coverage* means you don’t have to worry about the cost of insurance increasing due to your zip code. You can train at multiple locations worry-free.

*Currently not for sale in Missouri

What Type Of Insurance Do Personal Trainers Need?

As leading industry experts, we understand the types of coverage you need in your fitness policy. With Insurance Canopy’s trainer policy, you enjoy essential coverages such as:

General Liability Insurance

Protects against claims of bodily injury or property damage experienced by others. For example, a client tripping over a weight or accidentally breaking a mirror during a session.

Professional Liability Insurance

Protects against claims of bodily injury due to advice you give during a session or class. For example, a client claiming your instructions caused them to tear their rotator cuff due to overuse.

Medical Expense Coverage

A good-faith portion of your insurance that pays for the medical expenses of someone who is injured during your session or class, regardless of who is found at fault.

Gear & Equipment Coverage

An optional coverage you can add on to your fitness policy to help pay for repairs or replacement of your equipment if it’s damaged or stolen.

Find Your Swolemate In Insurance Canopy

Here's what other fitness professionals have to say about their experience.

  • 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 Avatar Evergreen Multiservices
    February 2, 2026

    Extremely user friendly website, super affordable and very little time needed to apply.

    Carl Sari Avatar Carl Sari
    January 31, 2026

    Excellent company, Great service, the best!!!

    Claudina Adams Avatar 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 Avatar Alex
    January 5, 2026

    Really went the extra mile to find the appropriate coverage for my business.

    Daisy B Avatar 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 Avatar Andy Anderson
    December 22, 2025
  • Easy. Convenient. Trustworthy. Came thru in a moments notice

    Eddie K Avatar 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 Avatar 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 Avatar 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 Avatar Jacob Serrano
    December 6, 2025

    Great experience, quick and easy to understand with what I needed for my business. Highly recommend!

    FrankLynn Rae Avatar FrankLynn Rae
    October 28, 2025

    Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.

    Maria Ciccone Avatar 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 Avatar stan zizka
    October 5, 2025

    Getting a vendor policy was quick and fairly priced compared to other quotes.

    Kristine Fullerton Avatar Kristine Fullerton
    October 3, 2025

    Thank you so much

    Steve Monreal Avatar 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 Avatar Jamie Calaway
    July 4, 2025

    Very easy & quick experience. We got insurance in no time with no hassle. Thank you!

    Robert Earnest Avatar 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 Avatar Deloris Pacheco
    June 27, 2025
  • Very easy to renew policy

    Elyce Nissinoff Avatar 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 Avatar 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 Avatar 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 Avatar 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 Avatar 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 Avatar 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 Avatar Gretje Angell
    June 18, 2025

    Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.

    David Fox Avatar David Fox
    May 18, 2025

    They can help.you with the right Insurance you need, and the lowest price

    Alvaro Baltazar Avatar Alvaro Baltazar
    May 18, 2025
  • everything is excellent

    Radames Martinez Avatar Radames Martinez
    May 18, 2025

    Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!

    Ishan Arvin Avatar Ishan Arvin
    May 18, 2025

    Affordable for dance & yoga folk. Thumbs up!

    Maia Claire Avatar Maia Claire
    May 18, 2025
  • 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 Avatar Evergreen Multiservices
    February 2, 2026
  • Extremely user friendly website, super affordable and very little time needed to apply.

    Carl Sari Avatar Carl Sari
    January 31, 2026
  • Excellent company, Great service, the best!!!

    Claudina Adams Avatar 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 Avatar Alex
    January 5, 2026
  • Really went the extra mile to find the appropriate coverage for my business.

    Daisy B Avatar 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 Avatar Andy Anderson
    December 22, 2025
  • Easy. Convenient. Trustworthy. Came thru in a moments notice

    Eddie K Avatar 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 Avatar 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 Avatar 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 Avatar Jacob Serrano
    December 6, 2025

Personal Trainer Insurance

Choosing the right small business insurance is critical. Avoid gaps in your coverage that could risk the future of your business.

What kind of work do you do?

Search and select the closest match

    Exclusions

    This policy is not designed to cover:

    • Industrial control engineers
    • Defense contractors
    • Medical software companies
    • Crypto exchanges
    • Gambling platforms
    • Physical security system installers
    •  Heavy equipment integrators

     

    Not available if you manage or control systems involving:

    • Pressure or ventilation systems
    • Fire suppression or explosives
    • Hazardous materials
    • Radiation or pharmaceuticals
    • Water supply or waste management
    • Energy, fuel, mining, construction
    • Environmental systems
    • Aircraft, drones, spacecraft
    • Watercraft, trains, automobiles, motorcycles
    • If you build firmware or embedded software controlling industrial physical equipment.
    • If you support:
    • Military operations
    • National defense
    • Homeland security
    • Law enforcement
    • Weapons
    • Anti-terrorism
    • Public safety
    • Surveillance
    • Crime detection
    • Emergency response
    • Physical security systems
    • If more than 25% of your revenue comes from:
      • Federal government work
      • Military or defense operations
    • If more than 50% of your revenue comes from:
    • Equipment installation
    • Maintenance
    • Physical service work



    Restricted if you work in:

    • Ride-sharing platforms
    • Equipment sharing platforms
    • For-rent-by-owner platforms
    • Help-for-hire platforms
    • Delivery services
    • Banking or financial services
    • Cryptocurrency / blockchain / NFTs
    • Geospatial mapping / aerial photography
    • GPS systems
    • Gambling or gaming
    • Dating or sexually suggestive content
    • Violence-related content
    • Alcohol, marijuana, CBD
    • Tobacco / nicotine / e-cigarettes
    • Flammable or electrical products
    • Food-related services

    Our licensed, U.S.-based agents are here for you from 8 a.m. to 8 p.m. Eastern, Monday through Friday, so they can enjoy evenings and weekends with the people who matter most.