Personal Trainer Insurance
Requirements By State
There are no federal laws regulating what types of insurance personal trainers must carry. Even though there are no national mandates around insurance for personal trainers, most fitness facilities do require it.
Injury and property damage claims from clients and others can easily cost you thousands of dollars. Without insurance, these costs come out of your pockets.
Don’t risk your income, reputation, or business — get personal trainer insurance.
Key Insurance Takeaways Relevant to All States
- Liability insurance protects you financially from the cost of claims and lawsuits
- Liability insurance also helps financially protect your clients if they experience an accident or injury
- Most gyms, studios, or anywhere you’d work in fitness require you to carry your own liability insurance
- You need liability insurance if you train online, in person, or both
- At a minimum, all personal trainers should have both general liability and professional liability coverage
Find Your State
Alabama
Alaska
Arkansas
Connecticut
Delaware
Georgia
Hawaii
Idaho
Iowa
Indiana
Kansas
Kentucky
Louisiana
Maine
Maryland
Michigan
Minnesota
Mississippi
Missouri*
Montana
Nebraska
Nevada
New Hampshire
New Mexico
North Dakota
Oklahoma
Oregon
Rhode Island
South Carolina
South Dakota
Utah
Vermont
West Virginia
Wisconsin
Wyoming
*Insurance Canopy policies are currently not for sale in Missouri
Alabama
Alaska
Arkansas
Connecticut
Delaware
Georgia
Hawaii
Idaho
Iowa
Indiana
Kansas
Kentucky
Louisiana
Maine
Maryland
Michigan
Minnesota
Mississippi
Missouri*
Montana
Nebraska
Nevada
New Hampshire
New Mexico
North Dakota
Oklahoma
Oregon
Rhode Island
South Carolina
South Dakota
Utah
Vermont
West Virginia
Wisconsin
Wyoming
*Insurance Canopy policies are currently not for sale in Missouri
Coverage Types
General Liability
General Liability Insurance
Products Completed Operations
Products Completed Operations
Personal and Advertising Injury
Personal and Advertising Injury
Professional Liability
Professional Liability
Damage to Rented Premises
Damage to Rented Premises
Medical Expense Limit
Medical Expense Limit
Frequently Asked Questions About Personal Trainer Insurance Requirements
Is Insurance Required for Personal Trainers Working Part-Time or As Freelancers?
Yes. Part-time and freelance personal trainers need liability insurance. The only exception would be if you work at a gym that extends its liability coverage to you as a part-time employee. But this is often not the case, so be sure to check with your gym.
Do I Need an LLC as a Personal Trainer?
No. Many personal trainers work as sole proprietors. You can learn more about what business structure is best for you from the Small Business Administration
Do I Need Separate Coverage if I Work in Multiple States?
No. Insurance Canopy’s personal trainer insurance follows you, whether you work in one local gym, several local gyms, or multiple gyms across state lines.
Are There Any Prerequisites for Obtaining Personal Trainer Insurance?
There may be, depending on the insurance company. Many require a confirmation that you have not had prior legal disputes or prior claims exceeding a specific monetary amount. Some providers may require your certification organization and/or certification ID number.
Is Insurance Mandatory for Personal Trainers, or Is It Optional in My State?
Insurance is not legally mandatory for personal trainers in any state. However, it is highly recommended and almost always required by most gyms and fitness centers.
