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Personal Trainer
Insurance Cost

A personal trainer helps a student keep form during workouts.

You’ll need personal trainer insurance for your business to operate safely. Insurance Canopy offers affordable, customizable policies and dependable coverage — see how little it costs!

The Cost of Personal Trainer Insurance

Our personal trainer liability insurance costs start at $159 per year or just $15 per month. Since the average annual cost of personal trainer liability insurance can range from $700 to $3,000, we can help you save thousands of dollars on your coverage!

Most trainers prefer to bundle general and professional liability into one plan to help them get the most coverage for a better price. That’s why our base plan includes these coverages, plus more.

With Insurance Canopy, you also enjoy a growing offering of exclusive resources to boost your business — at no extra cost!

A personal trainer helps a student keep form during workouts.

Take a look at how much personal trainer insurance costs and what coverage is included from some of the most popular insurance companies.

Let's Compare.

Insurance Canopy

General Liability
$2 million per incident
$3 million per year

Professional Liability
$3 million per year

Gear & Equipment Coverage
Optional

$159/year

Next

General Liability
$2 million per incident
$4 million per year

Professional Liability
$4 million per year

Gear & Equipment Coverage
Optional

$232/year

Insure Fitness Group

General Liability
$1 million per incident
$3 million per year

Professional Liability
$3 million per year

Gear & Equipment Coverage
Included

$194/year

Thimble

General Liability
$1 million per incident
$1 million per year

Professional Liability
Optional

Gear & Equipment Coverage
Optional

$576/year

K & K Insurance

General Liability
$1 million per incident
$5 million per year

Professional Liability
$1 Million per year

Gear & Equipment Coverage
Not Available

$194/year

Competitor information was collected on 7/1/2024 for new policyholders in Utah.

Factors That Affect Your Personal Trainer Insurance Costs​

Insurance carriers have the most say in what a base policy and yearly premiums will cost.

When calculating the standard cost of personal trainer insurance, they look at six considerations:

  • Your training style(s)
  • Your years of experience
  • Where you work
  • The services You offer
  • Your claims history
  • Your required limits

Factor 1:

Your Training Style(s)

Some types of training are considered more high-risk than others. For example, CrossFit has more high-impact activities and equipment compared to yoga. Your personal trainer insurance costs can go up if people are more likely to be injured or property is more likely to be damaged.

Factor 2:

Your Years of Experience

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

Insurance is far cheaper than a lawsuit. If just one person sues you for negligence, the defense costs alone can be tens of thousands of dollars (which you have to pay even if you are not found to be at fault).

Factor 3:

Where You Work

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

If you do work online or out of your home, keep in mind that most homeowners and renter’s insurance plans don’t cover for-profit business activities. Make sure you have the right limits and coverages in place for a home or virtual business.

If you work at more than one physical location, like a gym, studio, or health center, chances are you might have a lot of additional insureds you need to add to a policy. This can also increase the price of your premium.

a group of runners prepares for a daytime jog.

Factor 4:

The Services You Offer

Some types of training are considered more high-risk than others. For example, CrossFit has more high-impact activities and equipment compared to yoga. Your personal trainer insurance costs can go up if people are more likely to be injured or property is more likely to be damaged.

Factor 5:

Your Claims History

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

Insurance is far cheaper than a lawsuit. If just one person sues you for negligence, the defense costs alone can be tens of thousands of dollars (which you have to pay even if you are not found to be at fault).

Factor 6:

Your Required Limits

Sometimes you might have a contract requiring you to carry specific limits on your policy that are more than what is offered on a base policy.

An increase in limits means a price increase, so if you need higher limits then you should expect to see your personal trainer insurance costs increase.

A fitness instructor and client are stretching before an outdoor run.

Tips for Saving on Personal Trainer Insurance

Insurance Canopy already offers some of the best pricing and coverage for personal trainer insurance, but who doesn’t want to save money? The good news is, you can save on your insurance premiums in a few simple steps.

Pay Annually

Save up to 13% when you choose an annual payment over monthly payments. Annual payments drop the cost of your personal trainer insurance from $180 a year to $159.

Some people think monthly payments are better because a smaller cost over time looks better than a larger cost all at once. The reality is, 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.

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.

At Insurance Canopy, we work 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 more than 9,000 personal trainers continue to trust in our policies year over year. 

File Claims Quickly

If you have an accident, 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.

Proactively Avoid Risks

This seems like a no-brainer, but you face hundreds of possible risks each day. Regularly monitoring clients throughout each session and checking the functionality of your equipment can help you avoid injuries or damages that might otherwise raise your yearly premiums.

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.

An estimated 17.9% of gym goers suffer from fitness-related injuries each year, most of them resulting from weightlifting and strength training. Anything from a minor sprained ankle to a client’s death could result from your work. Not to mention all the money you have put into buying gear and equipment that could be damaged or stolen.

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.

“Starting and operating a personal trainer business takes a tremendous amount of time, dedication to obtain certifications, and financial resources. Insurance is the single best way to protect your investment, your business, and personal assets, and show your clients that you are serious about protecting them in the event of an accident or injury while they train with you.”

—JoAnne Hammer, Insurance Canopy Program Manager, CIC. Certified Insurance Counselor since 2004 

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.

Essential Personal Trainer Insurance Coverages

  • General Liability Insurance
  • Professional Liability Insurance
  • Products & Completed Operations Coverage
  • Personal & Advertising Injury
  • Damage to Premises Rented to You
  • Medical Expense Limit
  • Occurrence Form Coverage*

A good personal trainer insurance policy will include these coverages to help you protect yourself from common claims and meet most contractual insurance requirements. Other popular coverages may be available to add to your policy for an additional cost.

Occurrence form means you get lifetime coverage for accidents that happen during your policy period, regardless of when you file a claim.

Let’s say you have a policy when a client is hurt and years later they have a medical issue from it, so they want you to pay their medical bills. This coverage lets you still file a claim for the injury.

You may also be asked to add an additional insured to your policy for a small fee. (An additional insured is a third party your policy can cover in the case of an accident, lawsuit, or claim.) This could be the place you work, an event, or the person contracting you. You, employees, and coworkers are not considered additional insureds.

Available Add-Ons for Your Insurance Policy

  • Additional Insured: $15
  • Unlimited Additional Insureds: $30
  • Gear & Equipment Coverage: $1.33/month
  • Diet & Nutrition Coverage: $6.25/month
  • Cyber Liability Coverage: $8.25/month

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with Insurance Canopy.

Two spin classmates work hard in a spin class.

*All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.