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Personal Trainer Insurance

Save up to 19% a year on personal training insurance with Insurance Canopy*

AS LOW AS
$15
Monthly
MOST POPULAR
$159
Yearly

*On average, a new policyholder may pay 19% less in yearly premiums with Insurance Canopy when compared to other popular fitness insurance policies.

Personal Trainer Insurance
Save up to 25% a year on personal training insurance with Insurance Canopy*
AS LOW AS

$15 

Monthly
MOST POPULAR

$159 

Yearly

Save an Additional 14%

*On average, a new policyholder may pay 25% less in yearly premiums with Insurance Canopy when compared to other popular fitness insurance policies.

Affordable, Personal Training Insurance Tailored to YOU

A personal trainer fist bumps a client.

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?

Monthly personal trainer insurance costs $15 a month, or you can save 13% by switching to an annual policy for just $159 a year.

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.

 

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:

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.

Customize Your Personal Trainer Insurance Policy

Get essential Professional Liability and General Liability coverage and choose to pay for your personal trainer insurance on a monthly or yearly basis.

Coverage Details

General & Professional Liability Limits

The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage as a result of your business operations or professional services. For example, someone slips in your studio or is injured during a workout you were leading.

$3,000,000

The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.

$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

A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.

$5,000

The amount we deduct from a claim before paying up to your policy limits.

$100

Optional Add-ons

Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are a permanent part of the structure. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.
$2,000 – $10,000

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

Coverage for additional services you offer clients, such as diet guidelines, meal plans, or the sale/recommendation of health supplements. These services are not covered by professional liability and require Diet & Nutrition Coverage.

Included when added

Coverage for a third party, such as a business, property owner, event organizer, or employer. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own.

+$15

Coverage for multiple third parties, such as a business, property owner, event organizer, or employer. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own.

+$30

Ready for a Free Quote?
Easy Quote!

Why Choose Insurance Canopy for Personal Training Liability Insurance?

We Have a (Nearly) 5 Star Rating

  • Affordable plan and very easy to access when I need it

    Angela Lobianco Avatar Angela Lobianco
    July 13, 2024

    I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More

    Angela Fischetti Avatar Angela Fischetti
    July 12, 2024

    Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well

    Rich Bonifazio Avatar Rich Bonifazio
    July 12, 2024
  • Always easy to use! Thank you!

    CahillandDelene Avatar CahillandDelene
    July 12, 2024

    I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More

    susanf Avatar susanf
    July 5, 2024

    Nothing but positive things to say. Great company, have used them for years.

    Brandon Kennedy Avatar Brandon Kennedy
    July 5, 2024
  • Always done very well for us. Highly recommended.

    Kenny Casanova Avatar Kenny Casanova
    July 5, 2024

    Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!

    Jamilyn Boze Avatar Jamilyn Boze
    July 5, 2024

    quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael” Jobe
    April 8, 2024
  • Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024

    Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024

    I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More

    Lucia Boroczk Avatar Lucia Boroczk
    April 4, 2024
  • Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024

    This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024

    It was fast and easy.

    Vincent Cabello Avatar Vincent Cabello
    March 31, 2024
  • Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More

    Patrick McElhaney Avatar Patrick McElhaney
    March 27, 2024

    Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    March 26, 2024

    The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar Lionel Harrison
    March 26, 2024
  • I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!

    Aaron Copenhaguen Avatar Aaron Copenhaguen
    March 26, 2024

    Getting insurance is the best thing a fitness professional can do to protect themselves. I feel better knowing Canopy has got my back. Simple and easy to sign up.

    Herman Hildo Avatar Herman Hildo
    March 25, 2024

    I Am tremendously grateful for the help I received in getting the right understanding of what policy was best to fit my needs! Thank U Canopy and Staff

    Darron Hines Avatar Darron Hines
    March 25, 2024
  • Super friendly service..

    Kristina Strong Avatar Kristina Strong
    March 25, 2024

    I was concerned that I wouldn't find a company that could check all the boxes on our coverage wishlist. It only took one quick call and my questions were answered.... Read More

    Greg Hoover Avatar Greg Hoover
    March 25, 2024

    Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.

    Kate Whelan Avatar Kate Whelan
    March 25, 2024
  • Very easy process to get peace of mind

    Kristen Talusan Avatar Kristen Talusan
    March 25, 2024

    great experience so far, always able to reach a human representative on the phone!

    New Groove Avatar New Groove
    March 25, 2024

    Insurance Canopy gives me peace of mind for my practice.

    Adriana Chacon Avatar Adriana Chacon
    March 25, 2024
  • Great service, affordable insurance, easy to work with.

    Roland Cache Avatar Roland Cache
    March 18, 2024

    The wait was way too long, however it was worth it. The representative that helped me was knowledgeable, patient, and reassuring.

    susan fletcher Avatar susan fletcher
    March 11, 2024

    Fast procedure with clear price options. Did everything in less than 5 minutes

    Ron Geraci Avatar Ron Geraci
    March 11, 2024
  • Affordable plan and very easy to access when I need it

    Angela Lobianco Avatar Angela Lobianco
    July 13, 2024
  • I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More

    Angela Fischetti Avatar Angela Fischetti
    July 12, 2024
  • Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well

    Rich Bonifazio Avatar Rich Bonifazio
    July 12, 2024
  • Always easy to use! Thank you!

    CahillandDelene Avatar CahillandDelene
    July 12, 2024
  • I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More

    susanf Avatar susanf
    July 5, 2024
  • Nothing but positive things to say. Great company, have used them for years.

    Brandon Kennedy Avatar Brandon Kennedy
    July 5, 2024
  • Always done very well for us. Highly recommended.

    Kenny Casanova Avatar Kenny Casanova
    July 5, 2024
  • Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!

    Jamilyn Boze Avatar Jamilyn Boze
    July 5, 2024
  • quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar Michael “Michael” Jobe
    April 8, 2024
  • Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More

    Robert Caudle Avatar Robert Caudle
    April 7, 2024

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.
Play Video about A personal trainer leads a class.

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.

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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.