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!
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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 -
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
January 6, 2025I 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
January 6, 2025Great 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
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
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being 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
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely 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
November 6, 2024Your 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
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This 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
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
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
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
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
September 6, 2024I 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
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
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.
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
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
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, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
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
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
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
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
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
January 6, 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.
