Personal Trainer Insurance​




Save an Additional 14%
with an Annual Plan

Personal Trainer Liability Insurance

Insurance Canopy provides affordable, A+ 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.

Our Partners
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Flexible Payments

Once a year or once a month, you get to choose how you pay for personal trainer insurance.

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Instant Coverage

Purchase personal trainer liability insurance in 10 minutes or less with our online application.

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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:

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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

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

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 $12.50 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 $129. You can save 14% 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

It’s 2022, and 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

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.


Additional Limits

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.


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.


This is the amount we deduct from a claim before paying up to your policy limits.


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Have Questions?
Our licensed agents are available to answer any questions you may have (se habla español)
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Personal Trainer Insurance

Licensed In All 50 States

Questions About Personal Trainer Insurance

Choosing the right insurance is critical.
You can’t afford gaps in your coverage that could put you out of business.

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!

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Insurance Definitions

Public Liability is a type of insurance coverage for bodily injury or property damage caused by you to a third-party. This protection is covered by the General & Professional and Products & Completed Operations coverages in your policy.
Medical Expenses Coverage is a no-fault limit your policy will pay for incidents that occured on or near your premises to a third-party. This coverage can apply to medical bills, funeral expenses, emotional damage, loss of income, and similar expenses.
Tools & Equipment Insurance is also known as Inland Marine Coverage or Business Personal Property. This coverage helps to insure movable property you use as part of your business practices. Your tools and equipment can be covered for damages or loss while transporting them from one location to another.
Property Damage Protection is a protection on buildings and their contents for its loss or loss of income-producing abilities. The damages or losses are covered if sustained through an event such as a fire, wind storm, or explosion. This protection is encompassed in the “Damage to Premises Rented to You” portion of your policy.
Malpractice Insurance is coverage for injuries, losses, or damages caused by your professional advice, or lack of. This type of insurance is also known as Professional Liability Insurance and is included in your policy.

Personal Trainer Insurance

Annual Policies Starting at $129 – 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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