Personal Trainer Insurance

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Canopy and Personal Trainer Insurance

Canopy provides low-cost A+ rated personal training insurance. 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 is awesome! I trust them with my coverage because they know all about the risks associated with being a personal trainer. My policy covers bodily injury and property damage which lets me know that if one of my clients gets hurt or if the floor is damaged during one of my classes, then I’m insured if someone decides to sue me.” -Megan, UT
Additional Insureds
"I hold classes at three different gyms. For just $30, I was able to protect each gym against my liabilities by adding what Insurance Canopy calls unlimited additional insureds." -Robert, WA
Professional Liability
"As a self-employed personal trainer, I’ll sometimes go to my client's homes for private sessions. I can't afford to not have professional liability insurance in case I'm sued for things like ‘faulty instruction,’ even if those claims aren't true. Carrying personal trainer insurance lets me know that I can defend myself if I have to." -Sarah, AZ


Coverage Details

1 Additional Insured - $15 - Unlimited Additional Insureds $30
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 $100
"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
$129/yr or $12.50/mo

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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?
Female Personal Trainer Working with a Client

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, and damage to premises rented, among others.

Why Should I Carry Personal Trainer Insurance?
Man has workout injury in gym
  • 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.
  • If you offer nutrition or dietary advice as part of your services or alongside them, you could be insured with our nutrition endorsement which protects you against third-party claims your advice caused a client harm.
How Much Is Personal Trainer Insurance?
Fitness Instructor trains three clients in gym

A basic general and professional liability insurance policy starts at $129 per year, or $12.50 per month.

Do I Need Personal Trainer Insurance?
A Personal Trainer Works with a Female Client on an Exercise Ball

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 or massage 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 844.520.6993

Personal Trainer Frequently Asked Questions

Watch the video below for answers to common questions about personal trainer insurance.
Insurance Map

Personal Trainer Liability Insurance
Licensed in all 50 States

  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
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  • Tennessee
  • Texas
  • Utah
  • Vermont
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  • Washington
  • West Virginia
  • Wisconsin
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