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The Ultimate Guide to Personal Trainer Insurance

Table of Contents

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You don’t lift without a spotter, so why would you train without insurance? As a personal trainer, you work hard to help your clients feel confident. At Insurance Canopy, we want you to feel confident in your personal trainer insurance coverage.

Finding the right insurance plan for you can be confusing. Having more than a decade of experience working with personal trainers, Insurance Canopy understands many of the risks you may face and the coverages you need. To help you pick the right policy, we’ve created your ultimate guide to personal trainer insurance—and how it can benefit you.

A personal trainer is insured with personal trainer insurance. she does sit-ups and smiles.

Why Do I Need Personal Trainer Insurance?

Every personal trainer knows how a good workout routine strengthens the body. Insurance Canopy knows how a good insurance plan strengthens your business. When it comes to health and exercise, accidents can happen. Just one claim could cost you thousands in out-of-pocket expenses, as well as damage your reputation as a personal trainer.

As leading industry professionals, Insurance Canopy has helped a variety of fitness trainers by building personalized policies, litigating claims, and growing their clientele. We have seen a wide variety of claims and coverage requests, allowing us to better understand your unique needs and what obstacles you could face. Insurance Canopy can help you avoid claims such as:

  • Bodily injury
  • Harmful dietary or nutritional advice
  • Unsatisfied clients
  • Property damage

Having personal training insurance can help boost your credibility and increase your chances of instructing in new locations. Facilities managers may often want to be added as an additional insured on your policy, requiring you to have comprehensive insurance for fitness instructors.

What Types of Policies Do I Need with Personal Trainer Insurance?

Because you work with a range of clients, and possibly in a range of locations, every trainer will have different needs. At Insurance Canopy, you can receive individual and affordable coverage customized to you.

Each policy starts with General Liability Insurance. This type of policy helps cover you against claims of bodily injury and property damage as a result of your business operations—such as someone dropping a weight and shattering some floor tiles. Your coverage also includes Product Liability Insurance, which similarly protects you from claims of bodily injury and property damage, but are incurred by use of your products—such as an allergic reaction to a protein powder you produce and sell.

Insurance Canopy’s personal training insurance also includes:

  • Professional Liability Coverage, which could protect against claims where you suggested or advised an individual during a workout
  • Personal and Advertising Insurance, which can protect against cases of slander or libel
  • Damage to Premises Rented to You, which can insure facilities and the contents inside
  • Medical Expense Limit, a no-fault medical policy that can cover medical expenses for claims of bodily injury caused by business operations

We are proud to offer additional coverage options that allow you to personalize your protection:

  • Business Personal Property (Inland Marine), which may protect against damages to products or business equipment that occur during transportation over land
  • Cyber Liability Insurance, coverage that can help you recover from the devastating losses of a cyber attack
Ready to customize your coverage?

You can build your policy entirely online in 10 minutes or less. We even offer monthly payments!

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How Much Does Personal Trainer Liability Insurance Cost?

Starting as low as $12.50 per month, Insurance Canopy offers top-rated coverage for an affordable price. You can even save 14% with our popular yearly plans that start at $129. That’s as little as 35 cents a day!

While there are several different factors that go into calculating your coverage costs, we believe you deserve high quality policies without the high price tags. Depending on any additional policies you may add, your final costs can vary. Insurance for fitness instructors is an investment, but you can’t put a price on peace of mind.

What Is Not Covered by Personal Trainer Insurance?

While we work hard to cover you in most instances, there are still some exclusions that apply. The following are some of the exclusions and limitations for our policies:

  • Certified Athletic Trainers affiliated with organized sports or athletic team(s)
  • Law enforcement, public safety, or Military training programs
  • Martial arts or physical contact training
  • Non-stationary cycling and biking
  • Medical professional services
  • Sale of nutritional, medicinal, or herbal products
  • Use or sale of products requiring a prescription

For a more comprehensive list, please see our application or speak to an agent at 844.520.6993.

What Kind of Information Do I Need to Get a Policy?

Applying for insurance for fitness instructors can be done in a matter of minutes through our online application process. Be prepared to provide information such as your fitness trainer certification, claims history, and answer a short series of questions.

To help us better understand your operations and the types of coverages you need, you will be asked to provide your business activities, contact information, and any additional insureds information.

How Do I File a Personal Trainer Insurance Claim?

Even though we hope an incident doesn’t occur, it is important to know how to file a claim. Insurance Canopy’s online user portal makes it easy for you to file a claim online in minutes by following these steps:

  • Log in to your dashboard
  • Locate the “Manage Policies” section
  • Click on “File A Claim” and fill out the correct information
  • Submit the claim

After submitting a claim, you will be contacted in 24-48 hours by your claims adjuster who will help you move forward with the remainder of the claims process. If you have any questions about filing a claim, our experienced agents can help walk you through the process.

Feel Confident in Your Coverage

Just as you have your clients back, Insurance Canopy has yours. We hope you feel confident in your coverage knowing you are backed by top-rated policies trusted by thousands. It’s our job to keep claims at bay so you can keep helping others train.

Looking to strengthen your insurance coverage?

Get affordable policies online in 10 minutes or less today.

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