A personal trainer helps a student keep form during workouts.
Paying for personal trainer insurance doesn’t have to cost you a fortune. In fact, it can be cheaper than paying for a yearly Netflix subscription or buying protein shakes every month.


Insurance Canopy

believes your personal training insurance should be three things: simple, affordable, and flexible. We’re not going to hit you with hidden fees or make you jump through hoops to be insured. You have better things to do.
A personal trainer helps a student keep form during workouts.

To answer the question,

“how much does liability insurance cost for a personal trainer?”

we need to first understand what it is and how it works.

Personal Trainer Insurance—What Is It?

Personal trainer insurance is a type of coverage designed to help you cover the cost of injuries or damages caused by your professional services. Basically, if someone is hurt or something is damaged because of the professional advice you gave, insurance may help you lower the cost of the claim.

This type of insurance is intended to cover your work as a professional, so if someone tries to sue you or make you pay their medical bills and lost wages, you have the financial security to do so.

Is Insurance Required For Personal Trainers?

Yes, you DO need personal trainer insurance! The truth is: it’s not a matter of if an accident happens, it’s when.

Anything from a minor sprained ankle to a client death could happen from a training session. You also risk having your gear damaged or stolen. The best thing you can do is prepare now to handle a possible claim incident in the future.

So, How Much Is Personal Trainer Insurance?

After calculating your risks, coverages, and limits, the cost of Insurance Canopy’s base personal trainer insurance policy starts at $129 a year. This price can be broken down into 12 monthly payments of $12.50.

This is one of the most affordable personal trainer insurance plans on the market.

The base policy gets you coverage for:

General Liability Insurance

Professional Liability Insurance

Products & Completed Operations Coverage

Personal & Advertising Injury

Damage to Premises Rented to You

Medical Expense Limit

You’ll typically find these coverages on most personal trainer insurance policies. This is because they help you protect yourself from the most common claims we see. You’ll also find most places you work or contracts you sign require you to have insurance with these types of coverages.

Another common insurance requirement for personal trainers is the ability to add an additional insured on to your policy. Sometimes this can raise the cost of your insurance.

An additional insured is a third party entity your policy can cover in the case of an accident, lawsuit, or claim. This could be the place you work, the business you are employed by, or the manager of a location you’re training at. Yourself, employees, and coworkers are not considered additional insureds.

If you had a client suffer serious injuries during a training session you did, the client could name you, your manager, and the gym you work for in a lawsuit. Because your manager and the gym are additional insureds on your policy, the cost of their legal fees may be covered under your plan.

When it comes to the cost of adding additional insureds, Insurance Canopy offers two prices. These costs will be added on to your total and must be renewed every year.


1 Additional Insured:



Unlimited Additional Insureds:


What Goes Into Calculating The Cost Of My Personal Trainer Liability Insurance Policy?

Insurance carriers have the most say in what a base policy will cost. When calculating the standard cost of personal trainer insurance, they look at six main things:

The type of training you do

Years of experience

Where you work

What services you offer

Your claims history

Limits required

All of these factors can impact how much you end up paying in yearly insurance premiums.

Let’s break it down more to see why.



Training Style

Some types of training are considered more high risk than others. For example, CrossFit has more high impact activities and equipment compared to yoga. The more likely someone is to be injured, or property to be damaged, the higher your premiums may be.



More years of experience comes with more industry knowledge—making you less likely to make a mistake or cause an accident. However, you are more likely to have a larger clientele and reputation which makes you a higher risk.

If one person was to file a lawsuit against you for negligence, it opens the door for all your past clients to do the same. The bigger your business, the bigger your insurance premiums can be.



If you work at more than one location, chances are you might have a lot of additional insureds you need to add to a policy. This can increase the price of your premium.

Even if you work online or out of your home, most home and renter’s insurance plans won’t cover for-profit business activities. You’ll want to make sure you have the right limits and coverages in place for a home or virtual business.

Trainers who work from home are more likely to have lower insurance premiums than those who rent out training spaces and have employees.


Services Offered

Some trainers offer dietary and nutritional guidance to clients, others may wholesale supplements or provide clients with their own equipment to use during sessions. These types of activities require additional coverage. 

Not every base policy will automatically cover dietary work, product sales, or cover your gear and equipment, so you need to make sure all your services can be covered.


Claims History

Have you filed an insurance claim for your business before? Trainers who repeatedly have had to file claims for client injuries or damages will have higher premiums than those who have never filed a claim. This is because someone who is repeatedly negligent is more likely to have another incident happen, making them a high risk policyholder.


Limits Required

Sometimes you might have a contract requiring you to carry specific limits on your policy. This might be more than what is offered on a base policy. An increase in limits means an increase in price, so if you need higher limits then you should expect to see your costs raised.

Can I Lower My
Personal Training Insurance Premium?

Most personal trainer insurance policies start as a flat rate for their base policies. It’s the lowest price they will offer for the amount of coverage and limits being offered.

A young man sits on a mat in his backyard with kettlebells and weights as he speaks toward his camera on a tripod for an online personal training video recording.

Insurance companies can adjust the base price of their policies if they adjust the profits they make on each policy sold or if they use different carriers. That’s usually why you’ll see two companies offer the same policy with the same coverages and limits for different prices.

Because you are working with people’s bodies and health, personal training is a riskier industry to insure. Your insurance company needs to be able to guarantee they have the funds to help you pay for a claim. With limits set in the millions, you can imagine how expensive claims can get.

You can often add optional coverages (also known as endorsements) to a base policy, but the added protection will increase your premium.

Look at what additional benefits you may be getting with your base policy. Some come with subscriptions to members-only programs, online resources and tools, and more. This can often raise the minimum costs you pay. It’s up to you to decide if those benefits are worth the additional cost.

A young man sits on a mat in his backyard with kettlebells and weights as he speaks toward his camera on a tripod for an online personal training video recording.

Tips for Saving on Personal Trainer Insurance

In today’s economy, it’s always a good idea to look for ways to save a little extra money. The good news is, you can save on your insurance premiums in a few simple steps.

Pay Annually

Insurance Canopy helps you save up to 14% when you choose an annual payment over monthly payments. So instead of paying $150 a year for your coverage, you can pay as little as $129.

Most people think monthly payments are better because a smaller cost over time looks better than a larger cost all at once. The reality is, those smaller costs add up. You’re paying a little extra each month to process your payments, instead of just a one time processing fee.

It also becomes easy to forget about monthly payments. Missing a single payment can void your coverage, leaving you without insurance. If you’re in a slower time of year for your business, you may not always have the funds each month to cover all your costs.

Not only is paying annually a great way to save money each month, it’s also a great way to save time. Annual policies are a one time purchase, so you don’t have to take the time to stress over budgeting for insurance costs each month. Your coverage is good for the whole year too, so it’s one less thing to worry about.

Avoid Risks & Late Claims

This seems like a no brainer, but you face hundreds of possible risks each day. When you’re tired, sick, or stressed, it can be easy to let things slide or not remember a crucial step. That’s when accidents can occur.

Keeping yourself alert and aware at work is key in avoiding accidents. Make sure you are checking in with clients and double checking the functionality of equipment. These can help you avoid injuries or damages which might otherwise raise your yearly premiums.

If you do have an accident, you’ll want to file a claim as quickly as possible. The longer you wait, the harder it can be to file and have your claim approved for coverage. This would mean footing the bill all on your own.

Compare Quotes

It’s not uncommon for businesses to adjust their pricing each year. After all, they’re looking for a way to make more money, too. However, this can sometimes be frustrating when you notice your insurance rates are going up unexpectedly.

Before you renew your policy, do competitive market research to see what other companies might be offering. You may be able to switch and save with another insurance company.

Insurance Canopy works hard to keep our prices lower than our top competitors—while still offering the same coverage options and limits. We don’t think you should have to sacrifice quality coverage for a lower cost. That’s why thousands of personal trainers continue to trust in our policies year over year.

Get instantly insured
online today
with Insurance Canopy.

Two spin classmates work hard in a spin class.