Do Athletic Trainers Need Liability Insurance?

A tennis player sits down for a rest.

Dropping The Cold,
Hard, Facts.

A fitness instructor trains an athlete.

In 2021, the National Safety Council (NCS) found the leading cause of sports injuries came from exercise equipment. Client injuries are also the most common type of claim insurance companies see from athletic and fitness trainers.

The risk of a client getting hurt during a training session is growing, but investing in liability insurance can help athletic trainers like you manage these risks. From costs to coverages, we answered some of the most common insurance questions athletic trainers have.

What Is Athletic Trainer Liability Insurance?

Athletic trainer liability insurance is a type of insurance plan that can cover the costs of claims involving slip-and-fall accidents, bodily injury, property damage, and more. It can also help you repair or replace damaged or stolen equipment you use to train athletes if you choose to add tools and equipment coverage.

Because athletes train at a higher intensity, they can be more susceptible to serious injuries. You also may be helping an athlete recover from a previous injury, so you have to be careful as to not injure them any further. If an athlete is injured under your direction, you can face some costly consequences.

Higher Intensity Is Higher Risk.

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A snowboarder and a skier get big air.

What Does Athletic Trainer Liability Insurance Cover?

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Protection That Works
As Hard As You Do

athletes train with medicine balls.

If you receive a claim, your insurance may help you cover some or all of the additional costs that come with a claim. These can include legal fees, medical bills, lost wages, and the cost to repair or replace damaged or stolen property.

Our athletic trainer liability insurance starts with a base plan composed of general and professional liability policies. It also includes other policies, as well as additional endorsements you can add on to your plan.

Our online application allows you to choose your coverage, your policy start date, and your preferred payment type. Plus, you get instant access to your Certificate of Insurance.

How Much Does Athletic Trainer Insurance Cost?

Insurance Canopy’s athletic trainer insurance starts at $12.50 a month, or $129 annually. If you prefer to pay a one time price for year-round coverage, you can save 14% with the annual policy.

Starting at
$12.50 per month

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A golf instructor demonstrates a swing.

Do I Need To Be Insured As An Athletic Trainer?

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Invest In Yourself.
Keep Protected

A male personal trainer helps his female client learn resistance training with a resistance band.

In short, YES! Handling accidents is part of being a fitness instructor. Having insurance is there to help you navigate through a claim and ease the financial burden.

Additionally, many locations you train at will require you to show proof of insurance and list them as an additional insured on your policy. This helps to protect yourself and the facility owners if you are named in a lawsuit.

Having insurance isn’t just a good idea—it’s an investment that helps your business grow. So, what are you waiting for? Get a free quote with Insurance Canopy today, and join the thousands of fitness instructors who are training with us. 

Note: Insurance Canopy does not insure athletic trainers who are affiliated with organized sports or athletic teams, such as community or school sports teams, collegiate level athletics, or professional sports teams. We can insure trainers who work with a variety of athletes as clients such as in a gym, as a private trainer who works one-on-one with different athletes, or who trains in a medical environment like a hospital or physical therapy center.