Personal Trainer Insurance Ohio
Personal trainers in Ohio need simple, reliable, and affordable liability insurance. From Cleveland to Cincinnati, Insurance Canopy has you covered.
What Does Personal Trainer Liability Insurance Cover?
Insurance Canopy’s personal trainer insurance covers third-party claims of:
- Bodily injury
- Property damage
- Unmet exectations
- Professional mistakes
- Damage to premises rented
- Personal and Advertising Injury
- Medical expenses (regardless of fault)
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 Ohio?
The Buckeye State may not legally require trainers to carry insurance, but many fitness facilities require it. Plus, personal trainers do need 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!
Personal Trainer Insurance Requirements in Ohio
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:
- General Liability Insurance
- Professional Liability Insurance
- Products-Completed Operations Coverage
- Personal & Advertising Injury Coverage
- Damage to Premises Rented to You Coverage
- Medical Expenses Limit
Insurance Canopy bundles all of these essential coverages into one easy policy — so you can focus on helping other Buckeyes on their fitness journeys.
How Much Does Personal Training Insurance in Ohio Cost?
With Insurance Canopy, Ohio personal trainer insurance costs as low as $15 a month or $159 a year.
Some insurance companies increase your costs based on location, experience, or the type of fitness you teach. Not us! No matter where you are in Ohio, 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 Ohio 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!
-
Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 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
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As 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
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
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’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
January 6, 2025
-
Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
Coverage Details
General & Professional Liability Limits
$3,000,000
$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
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$100
Optional Add-Ons
Price
$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
$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
How to Get a Personal Trainer Insurance Quote in Ohio
Start working as an insured Ohio CPT (certified personal trainer) in under 10 minutes.
- Select “Get a Quote.”
- Customize your policy with add-ons.
- Tell us about your business.
- See your instant quote in the app.
Buy your policy online and get instant proof of insurance — it’s that easy!
FAQs About Ohio Personal Trainer Insurance
- You’re hosting a rooftop yoga class in the Over-the-Rhine neighborhood when a client experiences heat exhaustion. They expect you to pay for their medical expenses.
- During a 1:1 session at a rented space in Columbus, your client accidentally puts a hole in a wall with a kettlebell. Now, the studio expects you to pay for repairs.
- You’re teaching a class in New Albany when a client falls and breaks a wrist, blaming your class setup for their fall.
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.
Yes! If you’re a personal trainer based in Ohio, you’re covered for online training sessions. Your coverage follows you, so you can train confidently online, in a client’s home, or at the gym.
Learn step-by-step how to become a personal trainer in Ohio.
