Personal Trainer Insurance
Save up to 25% a year on personal training insurance with Insurance Canopy*
Affordable, A+ Rated Personal Training Insurance
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Flexible Payments
Pay once a month or save with annual payments—your choice! -
Instant Coverage
Get your personal trainer liability insurance in 10 minutes or less with our online application. -
Personalized Policies
Receive protection tailored for private trainers, student trainers, virtual trainers, gym trainers, and more.
What Is Personal Trainer Insurance?
Liability insurance for personal trainers is coverage specifically designed to protect you, your business, and the work you do with clients. It combines general and professional liability coverage into one plan.
It may also help you pay for medical bills, legal fees, or the cost to repair or replace damaged or stolen equipment, should a claim be brought against you. You take on a lot of responsibility as a trainer since you’re directly involved with a person’s health, so it’s important to have the right coverage in case something goes wrong.
How Much Does Personal Trainer Insurance Cost?
Personal training insurance costs $12.50 a month, or you can save 14% by switching to an annual policy for just $129 a year.
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 base policy includes coverage for general and professional liability, as well as the option to add on tools and equipment insurance, cyber liability, and diet and nutrition coverage. Find out more about our insurance costs and coverage for personal trainers.
Full-time, part-time, and student trainers can all receive coverage under our policy. You can get your quote online in just 10 minutes or less!
Do Personal Trainers Need Insurance?
Yes! No matter how careful you are, accidents can happen. Having personal training liability insurance can make handling accidents and claims easier.
Train at multiple gym locations, give nutrition or dietary advice, offer online sessions, or work with clients outside of a gym—your coverage goes with you! We offer coverage to personal trainers in a variety of general and niche practices, such as:
- Aerobics Instructors
- Cardio Trainers
- CrossFit Instructors
- Dance Trainers
- Golf Instructors
- Group and Private Trainers
- Lifestyle Coaches
- Online & Virtual Instructors
- Performance Fitness Trainers
- Physique Fitness Trainers
- Pilates Teachers
- Spin Teachers
- Yoga Teachers
- Zumba Instructors
Online Personal Trainer Insurance
Virtual classes are more popular 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.
Get Your Personal Trainer Insurance Policy
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
$2,000
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.
$100,000
Included when added
+$15
+$30
Why Choose Insurance Canopy for Personal Training Liability Insurance?
We Have A (Nearly) 5 Star Rating
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Very helpful agents! Will definitely recommend to all my industry friends!
May 26, 2023The only company I use for event insurance! The best!
October 5, 2022They took care of business! Easy process and cheap price to pay for peace of mind and being able to say you are a pro and fully insured.
February 13, 2023 -
Great site to work with.
June 5, 2023Fast, easy, affordable.
September 26, 2022Incredibly user-friendly set up. Super impressed with the ease of purchasing my policy. Great!
June 26, 2022 -
I am so pleased to have found "Insurance Canopy" to handle my business insurance. Karen M. was extremely knowledgeable, courteous and timely in getting me the proper insurances. ... Read More Prior to finding them I had spent many wasted hours talking with ordinary "customer service" reps at other online companies who just gave me the runaround. I am very fortunate to have found "Insurance Canopy". Karen is a bona fide "insurance agent" opposed to just a "customer service" rep. She can actually explain the details of business insurances, unlike the others. I highly recommend this company. Thank you Karen! Sincerely, Edward B.
May 29, 2023Easy to use. Very good user experience. Definitely recommend insurance copy for fellow musicians performing live at events etc.
June 26, 2022Awesome fast and easy process ? in minutes!!
July 26, 2022 -
I’ve been looking for the right insurance company. And I’ve found it ! Awesome prices and great coverage plans. Thank you !!
August 26, 2022My personal liability insurance for teaching fitness classes was so easy to set up! Plus, I needed to make a correction and their customer service was very prompt. Highly recommend... Read More for group fitness instructors.
December 6, 2022Faith at Insurance Canopy is great to work with. She is very responsive and efficient with responses when requests are made and always with a positive attitude. She is... Read More great to work with!
March 3, 2023 -
So far, so good.
December 6, 2022Easy to follow instructions on establishing my DJ liability insurance. Pricing was the best I've found to suit my needs.
September 26, 2022You can't beat the price and once I called in, the guy I spoke with told me everything I needed to know and I was signed up within minutes. Amazing!!!
July 26, 2022 -
They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others.
September 26, 2022Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!
September 26, 2022Great service
August 26, 2022 -
I had the best experience because I spoke with an agent Stephanie Davis that was truly knowledgeable and very patient with me to walk me through the entire process.... I... Read More would recommend insurance canopy to all my family and friends
August 26, 2022Easy. Quick. Responsive on chat.
May 29, 2023It was easy to fill the forms out online and all the information
August 26, 2022 -
Was in a jam. Needed the insurance for a gig coming up and the process was sooo simple! The coverage is exactly what they were looking for and we are... Read More all ready go! Thanks Insurance Canopy! This was great!
October 12, 2022The lady patiently help me out through the proces. I think her name is Stephanie. She stayed on the phone until I was done. My whole hearted thanks to... Read More her.
July 26, 2022Amazing service. Very fast, straightforward and helpful. Thank you for providing me with the necessary insurance coverage for my company and equipment. ???
October 12, 2022 -
This was a very easy process of purchasing DJ insurance, I mostly like the affordable reasonable rates.
June 19, 2023Super easy, easy to understand and a great price.
September 26, 2022It has been great working with Insurance Canopy and especially Faith Ortiz. A+++
May 26, 2023 -
Excellent online experience, clean, clear instructions. At the right price too.
September 26, 2022Quick and painless way to get insured
February 20, 2023Easy to sign up. Got my insurance emailed to me within minutes. Thank you!
June 12, 2023
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This was a very easy process of purchasing DJ insurance, I mostly like the affordable reasonable rates.
June 19, 2023 -
Rates were very competitive and I had great help when I called with questions. The application was fast and easy to fill out online. I haven’t had to file a... Read More claim, but so far so good!
August 26, 2022 -
Excellent online experience, clean, clear instructions. At the right price too.
September 26, 2022 -
Your insurance provisions work perfectly for me. No overhead or long term contracts and I'm able to pass along the cost to my clients. Thanks!?
July 26, 2022 -
I’ve been looking for the right insurance company. And I’ve found it ! Awesome prices and great coverage plans. Thank you !!
August 26, 2022 -
Easy to use and reasonably priced
June 19, 2023 -
So far, so good.
December 6, 2022 -
Instructor at Orange Door Yoga in Grand Junction, Co
February 20, 2023 -
Sarah was outstanding!!! Wonderful customer service with a smile and a laugh!! Doesn’t get any better than that!
February 6, 2023 -
Quick easy to understand and reasonable. Detailed instructions and easy to ise. Canopy did it all for my team
September 26, 2022
Questions About Personal Trainer Insurance
As a personal trainer, you’ll need general and professional liability insurance to cover the most common claims you might face. This may include paying for claims of injuries, illnesses, or property damage.
General Liability (Public Liability) helps with claims of injuries or damages caused by your business. If someone trips over extra gear lying on the ground or accidentally drops weights during a session, you may be covered for the resulting costs.
Professional Liability (Malpractice Insurance) may cover claims of injuries or damages caused by the services you offer. This could be a client getting hurt while lifting weights or accidentally breaking a machine during a session.
Gear & Equipment (Inland Marine) is an optional coverage you can add to your policy for only $16 per year! It helps to insure movable property you use as part of your business, like workout equipment used during classes or filming gear used for virtual sessions.
Medical Expenses is a no-fault coverage limit on your policy that may apply to medical bills, funeral expenses, emotional damage, loss of income, and similar expenses that arise from accidents related to your business or services.
Property Damage (Damage to Rented Premises) 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 or explosion.
Imagine a scenario where you’re training a client and they accidentally trip while on the treadmill, causing them to fall backward and into a wall. The gym you’re at says you need to pay for the repairs, so you file a claim with your insurance to have help covering the repair costs to the wall and for the injuries to the client.
In another scenario, let’s say you’re an online trainer who makes fitness videos for people wanting to workout at home. Someone is following along to your video when they pull a muscle and need physical therapy to recover. They want you to pay for their medical bills since your advice caused them to get hurt. You could file a claim with your insurance to have help covering this expense.
Our personal trainer insurance may cover claims examples like these (and more).
An additional insured is another person or organization who could be named in a claim caused by your negligence. You add additional insureds to your policy to extend coverage to them in the case of a claim. If you are responsible for an accident, but more than one party is being held liable, you and your additional insured(s) could be covered.
Some written contracts or employment agreements may require you to add them as an additional insured. Here are some examples of additional insureds you could add to your personal trainer policy:
- Gyms
- Property management
- Franchises
- Businesses
- HOAs
- Events
- Health & wellness centers
One additional insured is $15, but for just $30, you can add an unlimited amount of additional insureds to your policy.
You get to choose what day your policy will start. This is the day your insurance will go into effect. You can select today as your start date and enjoy instant 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 allows you 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. This site seal can be published on your website, printed on your business cards, or shown in your office. It can help your business become more credible and set you apart from the competition.
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.
Phone: 844.520.6993
Email: info@insurancecanopy.com