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The 5 Best Reasons To Carry Personal Trainer Insurance

Table of Contents

personal trainer reviewing workout

As a personal trainer, you have dedicated your time to motivate your clients to be their best, healthiest version of themselves. However, have you thought about the numerous risks that you face while you’re on the job, like unexpected client injuries? When your business throws you a curveball, Insurance Canopy can help you out.

Let’s get to it.

1). Cheaper than paying for a lawsuit

If a client injures themselves during a personal training session, you may be on the hook for paying all the medical bills. If you’re caught in the jam with a liability claim, the chances of you paying thousands of dollars for a lawsuit are extremely high.

2). Professionalism

When you decide to purchase personal trainer insurance, it shows your current and potential clients that you take yourself and your business seriously. We hope that every session you hold runs smoothly. If things do go wrong though, we are here to focus on the claims while you give the best possible service to your clients.

3). Convenience

You can protect your business in about 15 minutes. Our online application gives you the convenience to fill it out wherever you want. You can view and print your policy documents upon purchase completion, so you can show that you carry insurance.

4). Peace of Mind

You never know when disaster can strike, but knowing that you’re prepared when it does can give you peace of mind. Our robust coverage helps personal trainers like you stay protected.

5). Affordable

At Insurance Canopy, we offer low-cost, “A rated” personal training insurance. With general and professional liability, we can cover most exposures associated with the industry.

You can find a rundown of our coverage below.

Cost: Policy starts at $129/year

Coverage Details

1 Additional Insured – $15 | Unlimited Additional Insureds – $30

General Liability Limits

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.


The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.


The amount that 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


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.


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.


A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.


Endorsements and Additional Coverage

Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure.


An additional cost will be added for this coverage. See the application for additional coverage details for Cyber Liability Insurance.




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Personal Trainer Insurance

Policies Starting at


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Get Covered With

Personal Trainer Insurance

Policies Starting at


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