Personal Trainer Insurance

Elevate your credibility as a personal trainer


per year

General & Professional Liability

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Buy from $129
A+ Rated by A.M. Best

Canopy and Personal Trainer Insurance

Canopy provides low-cost A+ rated insurance for personal trainers and fitness professionals. With general & professional liability, our insurance covers most exposures associated with personal training and fitness instruction. We provide pumped up coverage at affordable prices so you can train with peace of mind.


General Liability
"My general liability policy through Insurance Canopy covers bodily injury. If my client is injured or has an accident while I'm coaching them, I'm covered."
Property Damage
"I hold classes at three different gyms. For just $30, I was able to protect each gym against my liability, by adding what Insurance Canopy calls unlimited additional insureds. I can relax knowing that if the gym was damaged during one of my classes, my responsibility to the gym would be taken care of."
Professional Liability
"As a self-employed personal trainer, I go to my client's homes. I can't afford not to have professional liability insurance in case I'm sued for things like faulty instruction, even if those claims aren't true. At least I know I can defend myself."


Coverage Details

General & Professional Liability Limits
General & Professional Liability $3,000,000
Products & Completed Operations Aggregate $3,000,000
Personal & Advertising Injury Included
General & Professional Liability Each Occurrence $2,000,000
Damage to Premises Rented to You $300,000
Additional limits
Inland Marine / Business Personal Property $2,000
Deductible $150
Identity Coverage $15,000
Deductible $250
"I couldn't be happier with the customer service I've received... Everybody has been prompt, professional, and quick to understand my needs."
- Greg, AZ
Professional Price
per year

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Our representatives are standing by to assist you if you have any questions about personal trainer insurance.
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.

What is personal trainer insurance?

Personal trainer insurance covers claims related to the day to day operations of your personal training business. For example, if your client injures themselves while following your instructions or you damage a studio you rented to conduct a training session, personal trainer insurance could help cover the costs of these claims.

Personal trainer insurance also provides coverages for business personal property, general liability, professional liability, damage to premises rented, and identity recovery costs, among others.

Why you should carry personal trainer insurance?
  • In addition to becoming a certified personal trainer, having liability insurance pegs you as a serious professional.
  • Clients or gym owners may require you to show proof of insurance before hiring you.
  • Liability insurance gives you a layer of defense against claims such as bodily injury or property damage.
  • You can enjoy financial peace of mind.
  • If you use your own equipment or transport equipment to multiple locations, you will want to protect it against theft, damage, or loss with additional limits for business personal property coverage.
  • Gym or studio owners may require you to add them as an additional insured if you are conducting your personal trainer sessions at their gym.
How much is personal trainer insurance?

A basic general and professional liability insurance policy starts at $129.

Do I need personal trainer insurance?

Yes. Personal trainer insurance is an important component of your business and is designed to protect your financial assets if you were to be sued as a result of your business operations. You could be held liable for claims that include injuries, illnesses, or damages arising from your personal training services. The legal costs alone from claims like these can be financially devastating. With personal trainer insurance, you'll have the protection you need just in case something goes wrong.

National Personal Trainer Institute

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.

Need additional information before making a decision?
Give our team a call today at 844.853.4827