Personal Trainer Annual Report:
Data Insights, Statistics, & Trends
Attributing the Data
For more than a decade Insurance Canopy has been an industry leader in providing businesses with top-rated insurance to thousands of personal trainers.
Thank you for taking the time to explore Insurance Canopy’s Personal Trainer Insurance report. We encourage you to share or reference our findings with attribution to Insurance Canopy and a link to this page. For more information, please contact us at info@insurancecanopy.com.
Personal Trainer Insurance Facts & Statistics:
A personal trainer is more than just a fitness instructor in a gym. You connect with your clients, form bonds of motivation and trust, and work hard to see others succeed. Personal trainers teach private one-on-one classes or lead groups of individuals closer to their fitness goals. You may work outside the traditional walls of a gym in studios, hospitals, schools, and even corporate offices.
Who Are Personal Trainers?
Let’s take a closer look at some of the demographics that make up personal trainers in the United States.
In 2021, Insurance Canopy issued 5,498 fitness instructor insurance policies. Of that, 58.6% were personal trainers. Each year the number of personal trainer insurance policies steadily increases, showing us this is a popular and growing industry with a demand to be met.
Trainers by Age
40% of personal trainers in the industry are 40+ years old, with 29% being 30–40 years old, and 30% being 20–30 years old.
Trainers By Gender
Trainers by Location
Where are personal trainers operating the most?
Insurance Canopy issues the most personal trainer insurance policies to trainers in Florida, California, and New York.
17.68% of trainers we insure are from Florida as the number one insured state regarding our trainers; with California (15.04%) and New York (12.71%) in 2nd and 3rd respectively.
Trainers By Sector
When it comes to the category where these personal trainer jobs are located, more than half are in the private sector. These types of personal trainers work one-on-one with athletes, teach clients in their home, and often take a more personal approach by helping their clients build lifestyle plans.
55% of our trainers work in the private sector, 32% work in education, and 10% work in the public sector.
How Many Total?
There are over 133,181 Personal Trainers Currently Employed in the United States
Personal Trainers
Currently Employed in the US
Why Do I Need Personal Trainer Insurance?
That’s where Insurance Canopy comes in. We are a financial safety net for your business. You can be named responsible in a claim if you or your business activities cause bodily harm or property damage. For example, a client pulls a muscle during an exercise or damages the floors from accidentally dropping a heavy weight.
Claims
When studying claims data pulled from 2015 to 2021, we can calculate the average cost of a personal trainer claim is $29,582.53. The state with the highest submission of claims is Florida at 29%.
The most popular type of claim we see are for injuries clients sustain while working out. Many of these claims hold the personal trainer responsible for paying medical bills, physical therapy fees, and refunding membership or session costs. A single of one these claims cost $217,000 while another totaled at $102,000.
What's Included In a Policy?
Our personal trainer policies are completely customizable to fit your unique needs. Each one starts with a base policy that includes General and Professional Liability insurance. These help to pay for claims that result in third-party claims, like a slip-and-fall accident, and injuries sustained as a result of your professional advice, like a torn ligament while working out under your direction.
Your policy will also include:
- Product and Completed Operations Aggregate, for claims of bodily injury or property dam- age due to an incident that occurred with a product during or after your class. For example, a pulled muscle from an exercise or a client accidentally breaking a machine.
- Personal and Advertising Injury, a coverage that can help pay for claims as a result of false arrest, wrongful eviction, or malicious prosecution.
- Each Occurrence Limit, which is the maximum amount you pay per incident during the term of the policy due to business operations and professional services.
- Damage to Premises Rented to You, applies to damages done to premises, including the contents, occupied by your business for 7 or more days.
- Medical Expense Limit, which is a no-fault policy that allows you to cover medical or funeral expenses for an individual hurt or killed by your business operations—without deducting from the general liability aggregate limit.
You can then tailor your policy by including additional types of coverages, such as:
- One or unlimited Additional Insureds, which extends protection from your policy to businesses you operate in, such as a gym, school, or corporate office.
- Inland Marine Insurance, also known as Tools and Equipment coverage, can insure items like weights, radios, and workout mats you use as part of your business operations.
- Cyber Liability Insurance, can help you recover from a data breach, cyber attack, or phishing scam.
- Deductibles, which are additional limits you can place on your policy based on your yearly revenue and business size.
- Dietitian and Nutrition Insurance, can protect those who offer diet and nutrition plans or advice to their clients, such as meal plans.
Policy Exclusions
While we work hard to offer a variety of policy types, there are some cases that carry too high of a risk. Insurance Canopy cannot extend you a policy if you meet any of the following exclusions:
- Trainers who don’t have proper certification
- Police or military training
- Professional sports team training
- Distribution of any pharmaceuticals, controlled substances, or nutritional supplements
Covered Training Styles
At Insurance Canopy, we understand there are many different types of personal trainers. Whether that’s training online, leading boot camps, or specializing in physique training, we want to make sure you have the coverage you need to keep doing what you love. Insurance Canopy extends coverage to most trainers in the following categories.
- Virtual/Online Trainers
- Physique Trainers
- Performance Trainers
- Lifestyle Trainers
- Mobile Trainers
- Group Exercise Trainers
- Gym Instructors
- Boot Camp Instructors
Most Popular Coverages
Each policy gives trainers the option to customize their coverage. You can add high limits and opt in or out of additional endorsements. In 2021, the two most popular additional endorsements were Dietitian and Nutrition Insurance and Tools and Equipment Coverage.
Yearly Or Monthly Plan?
Insurance Canopy offers two types of payment plans for our personal trainer insurance policies.
You can either pay one cost upfront for the whole year with the Annual Plan, or pay smaller amounts monthly with the Monthly Plan.
In 2021, 69.7% of personal trainers opted for the Annual Plan while 30.3% chose the Monthly Plan.
After a year of coverage, nearly 75% of personal trainers chose to renew their policies. Doing so helped them save time and money, and continue to work stress-free. Of those who renewed their policy, 9.6% were online trainers or were trainers renewing their policy with the intent to transition into online training.
Methodology
All data collected is from active insurance policies with Insurance Canopy from 2015–2022. A sample size of 5,498 was studied with individuals representing all 50 U.S. states, a variety of training styles, and a range of differing policy types. Most calculations were derived from the
3,222 policies specifically categorized as personal trainers to give the most accurate reflection of this group.
Any information outside of our initial research pool is sourced from Zippia and was used in conjunction with our own findings. Using a database of 30 million profiles, Zippia estimates
demographics and statistics in the United States. All estimates are verified against BLS, Census, and current job openings data for accuracy. After extensive research and analysis, Zippia’s data science team found the information referenced in our data to be accurate. Personal Trainer Demographics and Statistics in the US by Zippia
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