The Ultimate Guide to

Personal Trainer Insurance

A dancer rehearses in a moody room.

You don’t lift without a spotter, so why would you train without insurance?

A CrossFit athlete prepares for a kettlebell exercise.

You don’t lift without a spotter, so why would you train without insurance?

At Insurance Canopy, we want you to feel confident in your personal trainer insurance coverage. Having more than a decade of experience working with personal trainers, we understand many of the risks you may face and the coverages you need.

To help you pick the right policy, we’ve broken down the basics so you can see how personal trainer insurance may benefit you.

Why Do I Need Personal Trainer Insurance?

Just one claim could cost you thousands in out-of-pocket expenses, as well as damage your reputation as a personal trainer. Insurance Canopy’s coverage can help you lower or eliminate the cost of claims, such as:

  • Bodily Injury
  • Harmful dietary or nutritional advice
  • Unsatisfied clients
  • Property damage

Having personal training insurance can help boost your credibility and cover you in multiple locations or even while training online. Our policies allow you to add as many additional insureds on your policy as you need, helping you meet any insurance requirements you may encounter.

When it comes to health and exercise, accidents can happen.

A Zumba class enjoys a workout together.
personal trainer assisting client with injury

What Types Of Policies Do I Need With Personal Trainer Insurance?

Yoga instructors meditate outdoors.

No two clients are the same and neither are insurance policies.

An athletic trainer works with a client using straps to help her improve her core balance and strengthen muscles to prevent injuries.

Every trainer has their own unique needs, which is why Insurance Canopy offers coverage customized to you.

Each policy starts with General Liability & Professional Liability (Errors & Omissions) insurance. These coverages help to cover you against claims of bodily injury and property damage as a result of your business operations or professional advice you gave a client.

Insurance Canopy’s personal training insurance also includes coverage for:

  • Product Liability
  • Personal & Advertising Injury
  • Damage to Premises Rented to You
  • Medical Expense limit

We also offer Gear & Equipment Coverage (Inland Marine) and Cyber Liability insurance as optional additional coverages that allow you to personalize your plan.

Ready To Customize Your Coverage?

You can build your policy entirely online in 10 minutes or less. We even offer monthly payments!

How Much Does Personal Trainer Liability Insurance Cost?

Insurance Canopy offers top-rated coverage for an affordable price. You can even save 14% with our popular yearly plans that start at $129. That’s as little as 35 cents a day!

While there are several different factors that go into calculating your coverage costs, we believe you deserve high quality policies without the high price tags. Depending on any additional policies you may add, your final costs can vary.

Starting at
$12.50 per month

A male personal trainer is kneeling down on a workout mat as he helps his male client in a lunge position lift weights and improve his performance.
A golf instructor demonstrates a swing.
An online trainer is sitting on the ground of her home propped up against the side of her couch where she is looking at her client's information on her laptop and writing out notes to make a personalized training plan for them.

Feel Confident In Your Coverage

A personal trainer works with two athletes outdoors to help them increase strength and build stamina.

Just as you have your clients back, Insurance Canopy has yours. We hope you feel confident in your coverage knowing you are backed by top-rated policies trusted by thousands. It’s our job to keep claims at bay so you can keep helping others train.