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Personal Trainer Insurance

Save up to 25% a year on personal training insurance with Insurance Canopy*

AS LOW AS

$12.50

Monthly
MOST POPULAR

$129

Yearly
*On average, a new policyholder may pay 25% 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

$12.50

Monthly
MOST POPULAR

$129

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, A+ Rated Personal Training Insurance

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?

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:

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

Insurance Canopy’s coverage offers you essential Professional Liability and General Liability Insurance so you can continue doing what you love—helping clients reach their goals.

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.

$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

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

  • Very helpful agents! Will definitely recommend to all my industry friends!

    Entertainment Labs Avatar Entertainment Labs
    May 26, 2023

    The only company I use for event insurance! The best!

    Susie Shortt Avatar Susie Shortt
    October 5, 2022

    They 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.

    Jimmy Fish Avatar Jimmy Fish
    February 13, 2023
  • Great site to work with.

    Patti Lee Avatar Patti Lee
    June 5, 2023

    Fast, easy, affordable.

    Steve Proctor Avatar Steve Proctor
    September 26, 2022

    Incredibly user-friendly set up. Super impressed with the ease of purchasing my policy. Great!

    Tim Cunningham Avatar Tim Cunningham
    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

    Ed B. Avatar Ed B.
    May 29, 2023

    Easy to use. Very good user experience. Definitely recommend insurance copy for fellow musicians performing live at events etc.

    Ted K Avatar Ted K
    June 26, 2022

    Awesome fast and easy process ? in minutes!!

    PAUL Velez Avatar PAUL Velez
    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 !!

    Javier Valderrama Jr (BeastMode_Cyclist_Javy) Avatar Javier Valderrama Jr (BeastMode_Cyclist_Javy)
    August 26, 2022

    My 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

    Juju Rafii Avatar Juju Rafii
    December 6, 2022

    Faith 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

    Todd McCabe Avatar Todd McCabe
    March 3, 2023
  • So far, so good.

    Jeff Nelson Avatar Jeff Nelson
    December 6, 2022

    Easy to follow instructions on establishing my DJ liability insurance. Pricing was the best I've found to suit my needs.

    Judy Carter Avatar Judy Carter
    September 26, 2022

    You 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!!!

    Michele Gibson Avatar Michele Gibson
    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.

    Roberto Olivares Avatar Roberto Olivares
    September 26, 2022

    Great place to get affordable DJ insurance. Keri took the time to get me the right coverage I needed, thanks again!

    Carlos Navarro Avatar Carlos Navarro
    September 26, 2022

    Great service

    lamonte hatch Avatar lamonte hatch
    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

    Cabbage Avatar Cabbage
    August 26, 2022

    Easy. Quick. Responsive on chat.

    Me Avatar Me
    May 29, 2023

    It was easy to fill the forms out online and all the information

    Melissa Prado Avatar Melissa Prado
    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

    joe barton Avatar joe barton
    October 12, 2022

    The 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

    Robert Lesaca Avatar Robert Lesaca
    July 26, 2022

    Amazing service. Very fast, straightforward and helpful. Thank you for providing me with the necessary insurance coverage for my company and equipment. ???

    Mike Cruz Avatar Mike Cruz
    October 12, 2022
  • This was a very easy process of purchasing DJ insurance, I mostly like the affordable reasonable rates.

    Jeffrey “Jay jay” C Avatar Jeffrey “Jay jay” C
    June 19, 2023

    Super easy, easy to understand and a great price.

    Alan Browning Avatar Alan Browning
    September 26, 2022

    It has been great working with Insurance Canopy and especially Faith Ortiz. A+++

    ND3423 Avatar ND3423
    May 26, 2023
  • Excellent online experience, clean, clear instructions. At the right price too.

    Malcom Massey Avatar Malcom Massey
    September 26, 2022

    Quick and painless way to get insured

    Jay Foster Avatar Jay Foster
    February 20, 2023

    Easy to sign up. Got my insurance emailed to me within minutes. Thank you!

    Jason Lavea Avatar Jason Lavea
    June 12, 2023
  • This was a very easy process of purchasing DJ insurance, I mostly like the affordable reasonable rates.

    Jeffrey “Jay jay” C Avatar Jeffrey “Jay jay” C
    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

    Katie Gustafson Avatar Katie Gustafson
    August 26, 2022
  • Excellent online experience, clean, clear instructions. At the right price too.

    Malcom Massey Avatar Malcom Massey
    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!?

    Gary Morton Avatar Gary Morton
    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 !!

    Javier Valderrama Jr (BeastMode_Cyclist_Javy) Avatar Javier Valderrama Jr (BeastMode_Cyclist_Javy)
    August 26, 2022
  • Easy to use and reasonably priced

    Doug Mickan Avatar Doug Mickan
    June 19, 2023
  • So far, so good.

    Jeff Nelson Avatar Jeff Nelson
    December 6, 2022
  • Instructor at Orange Door Yoga in Grand Junction, Co

    Terry Talbot Avatar Terry Talbot
    February 20, 2023
  • Sarah was outstanding!!! Wonderful customer service with a smile and a laugh!! Doesn’t get any better than that!

    Darci Menard Avatar Darci Menard
    February 6, 2023
  • Quick easy to understand and reasonable. Detailed instructions and easy to ise. Canopy did it all for my team

    Kappa Xi Avatar Kappa Xi
    September 26, 2022

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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