Personal Trainer Insurance
Elevate Your Credibility With Personal Training Insurance
Personal Trainer Liability Insurance
Insurance Canopy provides affordable, top-rated personal training insurance. With general & professional liability, our personal trainer liability insurance covers most exposures associated with personal training and fitness instruction. Trusted by thousands, our policies help you meet or exceed most insurance requirements — helping you to stay protected in almost any place you choose to train.
Flexible Payments
Once a year or once a month, you get to choose how you pay for personal trainer insurance.
Instant Coverage
Purchase personal trainer liability insurance in 10 minutes or less with our online application.
Personalized Policies
Protection tailored for private trainers, student trainers, virtual trainers, gym trainers, and more.
What is Personal Training Insurance?
Personal trainer insurance provides financial coverage for claims of injuries, illnesses, or damages arising from your personal training services. This can include paying for legal fees, medical bills, loss of wages, or the cost to repair or replace damaged or stolen equipment.
Insurance Canopy’s policy includes general and professional liability insurance, and can include coverage for:
Do I Need Insurance As A Personal Trainer?
No matter how careful you are while training, accidents can happen — and that’s okay! Having personal training liability insurance can make handling accidents and claims easier.
You also have the ability to train at multiple gym locations, give nutrition or dietary advice, offer online sessions, or work with clients outside of a gym.
We offer coverage to personal trainers in a variety of general and niche practices, such as:
- Group and Private Trainers
- Physique Fitness Trainers
- Performance Fitness Trainers
- CrossFit Instructors
- Lifestyle Coaches
- Cardio Trainers
- Yoga Teachers
- Pilates Teachers
- Aerobics Instructors
Get A Free Personal Training Waiver!
Insurance Policy + Client Waiver = Stronger Protection
When used with an insurance policy, a waiver can help you better protect yourself from costly claims. Download our free waiver and start training with confidence.
Get A FREE Personal Training Waiver!
Insurance Policy + Client Waiver = Stronger Protection
When used with an insurance policy, a waiver can help you better protect yourself from costly claims. Download our free waiver and start training with confidence.
*NOTE: A waiver does NOT take the place of insurance or guarantee 100% legal protection
How Much Does Personal Trainer Insurance Cost?
Full time, part-time, and student trainers can all receive coverage under our policy starting at just $15 a month. Our base policy includes coverage for general and professional liability as well as tools and equipment insurance.
If you prefer to pay a one time price for a year of coverage, our annual policy starts at $159. You can save 13% just by switching to an annual policy. Our personal trainer liability insurance quotes can even be completed online in just 10 minutes or less.
When comparing insurance policies, it’s easy to just focus on the price. You don’t want to settle for a policy with low limits or gaps in coverage — especially with the risk of expensive claims. Enjoy financial peace of mind and train your clients with confidence with Insurance Canopy. Our top-rated cheap personal trainer insurance is trusted by trainers like you.
Online Personal Trainer Insurance
Virtual classes are a thing now more than ever. Insurance Canopy is proud to provide coverage for online personal trainers, allowing you to expand how you teach. Our policy covers personal trainers who teach live online classes or offer pre-recorded training sessions.
Coverage Details
General & Professional Liability Limits
$3,000,000
$3,000,000
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
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
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.
$300,000
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$100
Optional Add-Ons
Price
$1.33–$5.55/month
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/month
$6.83/month
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
Questions About Personal Trainer Insurance
A basic insurance policy will only have general liability insurance, which can cover simple claims for incidents like a client tripping over a rug at the entrance of your studio. However, a great policy should also offer coverage for professional liability, tools and equipment, and diet or nutritional advice. These coverages can help pay for claims of accidents that occur during a training session or from a client following instructions you gave them.
Your client trusts your training and advice, but if they were to tear a muscle during a workout or have an allergic reaction to a pre-workout you recommended, you could be held responsible. Whether you use your own equipment at a private studio or what is provided in a gym, you are accountable for covering the cost of any damaged or stolen equipment.
Insurance Canopy’s comprehensive coverage allows you to add these types of policies to your insurance plan. Since many personal trainers offer meal plans or supplements to their clients, the most popular endorsement our policyholders add is Dietitian and Nutritionist Insurance. Start customizing your personal trainer insurance policy today!
General liability insurance protects you against lawsuits and the costs to repair or replace any property damages. Some of these claims could also be slip-and-fall accidents and stolen equipment incidents.
Professional liability insurance protects you in case of malpractice or negligence, meaning if you do something wrong and harm or injure your client during a training session.
Having an additional insured means you are extending your policy’s coverage to another person or organization who could be named in a claim caused by your negligence. If you are responsible for a client’s injury during a session, and they decide to sue, both you and your additional insured could be covered for the cost of the claim.
You can add property management, businesses, or HOA’s to your insurance policy. If you do in-home training, you could add your HOA as an additional insured. Or, if you are training someone in a privately owned gym, you can add that gym as an additional insured. Some written contracts or employment agreements may require you to obtain an insurance policy with additional insureds.
One additional insured is $15, whereas an unlimited amount of additional insureds is $30. You can select the amount of additional insureds you would like to add when you are filling out your personal trainer insurance application.
Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.
Yes! Even when someone is training in their own home without you physically present, they can still get hurt. Because they are following your instructions, you could be held liable for any injuries they sustain or personal property they damage.
Without the right coverage, you may find yourself paying for medical bills, legal fees, repairs or replacements, lost wages, and refunds. Your reputation can also be damaged from a claim. Having personal training insurance can help you cover these types of costs.
Because your business is online, you also have the threat of cyber attacks. Cyber criminals can target your business to access customers’ private information, like credit card numbers, passwords, and personal addresses. They can also steal your business banking information and drain your accounts. Some may even encrypt your programs or website behind a locked firewall and will only release the information if you pay a ransom.
Insurance Canopy’s Cyber Liability Insurance can help you retrieve lost or stolen data, return funds to your accounts, and notify customers of a possible breach in privacy. This optional coverage can be added to your policy at any time, and can help you better protect your online personal training business.
As soon as you have filled out an online application, you receive instant personal training insurance coverage from Insurance Canopy. You can log on to your dashboard to access your Certificate of Insurance, edit any personal or business information, review your coverage details, contact our agents with questions, and download your site seal. This gives you the opportunity to access your account and view your documents wherever you are.
On your online dashboard, you will also find a “site seal” you can use to show your business is insured. When your clients know that you have personal trainer insurance, they instill more trust in you and your business becomes more credible.
This site seal can be published on your website, printed on your business cards, or shown in your office. Use this proof of insurance to advertise your business, helping you set yourself apart from your competitors.
NPTI is an industry leader in personal trainer education programs. They offer 500/600 hours of in-person training taught by highly qualified instructors. Once you receive your education through NPTI, you never need to renew or take continuing education courses, and your certification is good for life.
Get Covered Today
Still have questions regarding liability insurance for personal trainers? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET. You can also chat with us, send us an email, or give us a call. We are happy to help!
Insurance Definitions
Personal Trainer Insurance
Annual Policies Starting at $159 – Personal Trainer Insurance from Insurance Canopy offers you essential Professional Liability and General Liability Insurance so you can continue doing what you love — helping clients reach their goals.
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*All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.
