Personal Trainer Insurance Florida

The best personal trainer insurance for fitness professionals in Florida is fast, affordable, and reliable. From Miami to Tallahassee, Insurance Canopy’s here to spot you.

A Florida Silhouette

What Does Personal Trainer Liability Insurance Cover?

Insurance Canopy’s personal trainer insurance covers third-party claims of:

Enjoy low-cost personal trainer insurance that still includes full-body coverage! With Insurance Canopy you’re protected against common claims seen in the fitness industry.

Do Personal Trainers Need Insurance In Florida?

Yes, personal trainers in Florida need insurance. Even though the Sunshine State does not legally require trainers to carry insurance, many fitness facilities do. Plus, personal trainers still need liability insurance to help protect themselves and their business.

Benefits of Insurance Coverage:

  • Protects your business financially
  • Signals to clients that you’re prepared in case of accidents
  • Meets common insurance requirements at gyms, studios, and fitness centers
  • Maintains your trainer certification with certain organizations
  • Focuses on supporting clients through every rep, set, and session!
A Florida Silhouette

Personal Trainer Insurance Requirements in Florida

If you’re a self-employed personal trainer or if you’re considered an independent contractor (not a W2 employee) at a facility, you need:


Insurance Canopy bundles all of these essential coverages into one easy policy so you can get back to helping Florida clients on their fitness journeys.

How Much Does Personal Training Insurance in Florida Cost?

Personal trainer insurance costs as little as $15 a month or $159 a year from Insurance Canopy.

Some insurance companies will adjust your premium rates based on your location, experience, or the type of fitness you teach. Regardless of Florida’s rising and varied cost of living, our base policy is a flat rate for all personal trainers, designed with transparent pricing and optional add-ons that fit your budget.

About Insurance Canopy’s Insurance for Florida Personal Trainers

  • Coverage backed by an excellent-rated carrier
  • Instant insurance with an easy online purchase
  • Affordable monthly or yearly payment options
  • A comprehensive base policy with optional add-ons
  • Occurrence-based coverage* for long-term protection
  • 24/7 online policy management via user dashboard
  • Coverage for 100+ training styles, including mobile training**
  • Licensed insurance agents who don’t work on commission
  • Free resources to help grow your business!

*All new policies purchased after July 1, 2024 include occurrence-based coverage.

**Currently not for sale in Missouri

A (Nearly) 5-Star Rating!

  • TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.

    Tenisha J. Avatar Tenisha J.
    February 4, 2025

    Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.

    Ed Levitt Avatar Ed Levitt
    February 3, 2025

    As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More

    Kristie Williams Avatar Kristie Williams
    January 30, 2025
  • I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!

    Denice Lapointe Avatar Denice Lapointe
    January 23, 2025

    This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.

    Tony Felix Avatar Tony Felix
    January 23, 2025

    Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.

    John B Avatar John B
    January 16, 2025
  • I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More

    jay gedeon Avatar jay gedeon
    January 6, 2025

    Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More

    Ana Zavala Avatar Ana Zavala
    January 6, 2025

    I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More

    Susan Tedesco Avatar Susan Tedesco
    January 6, 2025
  • Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More

    Steve Bryant Avatar Steve Bryant
    January 6, 2025

    Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More

    Chad Laibly Avatar Chad Laibly
    January 6, 2025

    Great and affordable insurance

    Peter DAntoni Avatar Peter DAntoni
    December 6, 2024
  • Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More

    Paul McNeilly Avatar Paul McNeilly
    November 12, 2024

    I’m just saying that is easy to get the vendors insurance with this company

    Silvia Delgado Avatar Silvia Delgado
    November 6, 2024

    Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More

    Robert Avila Avatar Robert Avila
    November 6, 2024
  • Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More

    Rebecca Ruby Avatar Rebecca Ruby
    November 6, 2024

    Quick easy sign-up convince is great

    Vincent Davanzo Avatar Vincent Davanzo
    November 6, 2024

    Great to work with. Always available for assistance.

    Two Pour Girls Bartending Avatar Two Pour Girls Bartending
    November 6, 2024
  • Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar Edward Findley
    November 5, 2024

    Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024

    Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024
  • This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too

    Vickie Sundgren Avatar Vickie Sundgren
    November 3, 2024

    Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024

    Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith Jr
    October 7, 2024
  • Rey was amazing. So easy! So fast!

    Herman Koch Avatar Herman Koch
    September 30, 2024

    Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.

    Mark Paquin Avatar Mark Paquin
    September 14, 2024

    Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂

    Alana Wyld Avatar Alana Wyld
    September 14, 2024
  • She is positive and friendly !

    Alan Dynin Avatar Alan Dynin
    September 14, 2024

    Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More

    Paul Tolle Avatar Paul Tolle
    September 6, 2024

    I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More

    Don Kirby Avatar Don Kirby
    September 6, 2024
  • TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.

    Tenisha J. Avatar Tenisha J.
    February 4, 2025
  • Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.

    Ed Levitt Avatar Ed Levitt
    February 3, 2025
  • As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More

    Kristie Williams Avatar Kristie Williams
    January 30, 2025
  • This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.

    Tony Felix Avatar Tony Felix
    January 23, 2025
  • I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!

    Denice Lapointe Avatar Denice Lapointe
    January 23, 2025
  • Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.

    John B Avatar John B
    January 16, 2025
  • I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More

    Susan Tedesco Avatar Susan Tedesco
    January 6, 2025
  • Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More

    Ana Zavala Avatar Ana Zavala
    January 6, 2025
  • I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More

    jay gedeon Avatar jay gedeon
    January 6, 2025
  • Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More

    Steve Bryant Avatar Steve Bryant
    January 6, 2025

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

Price

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. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.

$1.33–$5.55/month

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.

$8.25/month

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.

$6.83/month

Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.

$15–$30/year

Ready for a Free Quote?
Easy Quote!

How to Get a Personal Trainer Insurance Quote in Florida

Start working as an insured Florida CPT (certified personal trainer) in under 10 minutes.

  1. Select “Get a Quote.
  2. Customize your policy with add-ons.
  3. Tell us about your business.
  4. See your instant quote in the app.


Buy your policy online and get instant proof of insurance — it’s that easy!

Train with Confidence
From

$15/Month

FAQs About Florida Personal Trainer Insurance

  • You’re running a circuit HIIT (High Intensity Interval Training) class in Calisthenics Park, Fort Lauderdale and a client trips and sustains a knee injury.
  • During a 1:1 session at a rented studio in Sarasota, your client accidentally damages a wall during a kettlebell swing.
  • You’re training clients at Muscle Beach when one of them drops a weight on their bare foot, breaking it.

Yes! If you’re a personal trainer based in Florida, you’re covered for online training sessions. Your coverage follows you, so you can train confidently whether you’re in the gym, online, or on the go.

General and professional liability insurance are both included in the personal trainer insurance policy.

General liability insurance covers general claims arising from your training — like slip-and-falls and damaged property. Professional liability insurance covers you specifically for your services, guidance, and advice within the scope of your business.

Choosing the right insurance is critical.
You can’t afford gaps in your coverage that could put you out of business.