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Best Personal Trainer Insurance October 2024: Options & Cost

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  • Personal trainer insurance provides financial protection for personal trainers in the event of accidents, injuries, or property damage that occur during or as a result of their training sessions.
  • Every personal trainer should have general liability insurance and professional liability insurance to cover you against physical injuries to clients and visitors and lawsuits against errors in your work or claims of negligence.
  • You may need several types of additional coverage, such as commercial property insurance and workers’ compensation, depending on your business operations.
  • The cost of personal trainer insurance depends on many factors, such as the type of coverage, your location, your annual revenue, your experience and the number of employees you have.
  • The quickest way to find out which type of plan is best for you is to use an online quote tool. This will ask you questions and match your business to plans that meet your specific needs.

Whether you have a home-based business or train at local gyms, personal trainer insurance can relieve some of the stress of working with clients. Personal trainer insurance is a type of business insurance that provides coverage for fitness professionals who offer health and fitness services, including advice, instruction, and guidance. Depending on your specific practice, personal trainer insurance may include coverage for medical expenses, legal fees, property damage liability, personal injury liability, advertising injury liability, and other perils.

The best personal trainer insurance provides trainers with the protection they need against accidents and other financial losses without charging exorbitant premiums or deductibles if something happens. That said, not all insurance plans are created equal. Below we cover our top picks for the best personal trainer insurance for 2024.

Our picks for the best personal trainer insurance

Advertiser Disclosure

Preferra Insurance Company RRG

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AMB Financial Strength
A- (Excellent)
Specialized for:
General Liability, Professional Liability

Why We Like It

Preferra offers high level General Liability and Professional Liability coverage for social workers, and health & wellness professionals.

Preferra’s plans are specifically tailored to offer high-quality and robust ($3 to $4 million) coverage limits.

Preferra is more than an insurance company. It understands the specific needs of health workers. In fact, their oversight board is made up not only of insurance experts but also social workers who understand the health and wellness field better than anyone. With social workers onboard, they always work toward the needs and interests of its clients.

This allows you peace of mind to focus on what matters most – helping your patients and clients.

Coverage Highlights

General Liability Coverage through Preferra offers access to:

  • $1 million occurrence limit & $3 million aggregate limit

Professional Liability Coverage through Preferra offers your choice of access to:

  • $1 million occurrence limit & $3 million aggregate limit
  • $2 million occurrence limit & $4 million aggregate limit

Arch Insurance America

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AMB Financial Strength
A+ (Superior)
Specialized for:
Professional Liability

Why We Like It

Arch offers tailored professional liability insurance for small businesses in a variety of industries such as:

  • business consultants
  • professional services
  • health & wellbeing services

Arch offers unique coverage options which include a range of extra coverages not common to most professional liability plans. This makes it a great provider for small businesses that may need added protection.

Once signed up, customers love Arch’s local approach. The company is based out of New York but has several local offices throughout the US.

Arch also boasts a strong financial rating of A+ from AM Best and is backed by over $14 billion in funding making it a solid insurance firm.

Coverage Highlights

With Professional Liability through Arch, you can gain access to your choice of:

  • $1 million claim limit & $1 million aggregate limit
  • $2 million claim limit & $2 million aggregate limit

Other coverage highlights include:

  • $100k in Bodily injury & property damage coverage
  • $25k in Data incident response expense coverage
  • $25k in Non-party investigation expense coverage
  • Blanket Additional Insured endorsements (optional)

Hiscox Insurance

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AMB Financial Strength
A (Excellent)
Specialized for:
General Liability, Professional Liability, Business Personal Property

Why We Like It

Hiscox is one of the largest insurance providers in the US and operates in all 50 states. It offers serval types of coverage options to suit your needs including:

  • General liability insurance
  • Professional liability insurance
  • Business personal property insurance (add-on)

Hiscox specializes in insurance for small and micro-businesses and its robust coverage options are available for tons of business types & trades. Hiscox also has over 120 years of experience behind its name as part of the original Lloyds group from 1901. This long track record speaks volumes for how trustworthy Hiscox is.

Coverage Highlights

General Liability Coverage through Hiscox offers your choice of access to:

  • $1 million occurrence limit & $2 million aggregate limit
  • $2 million occurrence limit & $3 million aggregate limit

Other coverage highlights for General Liability include:

  • $100k in coverage for damage to rented premises
  • $5k in coverage for medical payments
  • Blanket Additional Insured endorsement (automatically included)
  • Waiver of Subrogation endorsement (optional)

Professional Liability Coverage through Hiscox offers your choice of access to:

  • $1 million occurrence limit & $1 million aggregate limit
  • $2 million occurrence limit & $2 million aggregate limit
  • $3 million occurrence limit & $3 million aggregate limit

Business Personal Property add-on:

  • Business Personal Property coverage is available as an add-on to your Hiscox General Liability policy
  • Choice of coverage limits: $5k, $10k, $15k, $20k, or $25k

Harborway Insurance

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AMB Financial Strength
A+ Superior)
Specialized for:
General Liability, Inland Marine

Why We Like It

Harborway is a lesser-known provider that offers specialized coverage for:

  • General liability insurance
  • Business personal property insurance
  • Inland marine insurance

This provider offers great coverage for equipment and items you transport or store off-premises makng is great for companies that send employees to work off-site or occaisionally do field work.

While Harborway isn’t an AM Best rated company, it is reinsured by Munich Re which has an AM Best financial strength rating of A+.

Coverage Highlights

General Liability Coverage through Harborway offers access to:

  • $1 million occurrence limit & $2 million aggregate limit

Other coverage highlights for General Liability include:

  • $100k in coverage for damage to rented premises;
  • $5k in coverage for medical payments;
  • Waiver of Subrogation (optional)
  • Blanket Additional Insured endorsement (automatically included)
  • Contractors’ Errors & Omissions endorsements (optional)

Business Personal Property Coverage through Harborway offers access to: *Property limits of $5k, $10k, $15k, $20k, $25k, and $50k *Blanket Additional Insured endorsement (automatically included)

Inland Marine Coverage through Harborway offers access to:

  • $5k or $10k coverage limits on inland marine property
  • Blanket Additional Insured endorsement (automatically included)

Accredited Insurance

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AMB Financial Strength
A- (Excellent)
Specialized for:
General Liability

Why We Like It

Accredited Insurance is backed by the massively-known Travelers Insurance with whom it co-built a General Liability policy tailored specifically for small businesses.

Accredited offers insurance in all 50 states as well as Washington DC and has been in business for over 50 years. The company has proven itself for its high-quality service, stability, and integrity.

Accredited also has a strong financial strength rating of A- from AM Best. This means you can rest easy knowing that you will be supported by a strong company should anything go wrong.

Coverage Highlights

Contractors opting for General Liability through Accredited gain access to:

  • $1M Occurrence limit & $2M Aggregate limit

Non-contractors have the option of plans ranging from:

  • $100k occurrence limit & $300k Aggregate limit
  • $1 million occurrence limit & $2 million aggregate limit

Other coverage highlights include:

  • $100k in coverage for damage to rented premises
  • $5k in coverage for medical payments;
  • Waiver of Subrogation (optional)
  • Blanket Additional Insured endorsements (optional)

Travelers Insurance

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AMB Financial Strength
A++ (Superior)
Specialized for:
Professional Liability

Why We Like It

Travelers is one of the largest insurance providers in the US and offers nationwide business insurance coverage.

Travelers can offer many different types of coverage for businesses of all sizes but is specifically well suited for Professional Liability plans for companies in the fields of:

  • Accounting
  • Bookkeeping
  • Tax Preparation

Travelers is a great choice for professional liability backing thanks to the brand’s nationwide coverage, 160 years of expertise, and top financial rating of A++ from AM Best.

Coverage Highlights

Professional Liability Coverage through Travelers offers access to:

  • $1 million occurrence limit & $1 million aggregate limit

Optional add-ons include:

  • Defense Outside Limits coverage

Cerity

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AMB Financial Strength
A- (Excellent)
Specialized for:
Workers’ Compensation

Why We Like It

Cerity offers affordable workers’ compensation policies and can cover various types of businesses and industries. As a major insurance provider in the US, Cerity is known for its:

  • Low prices
  • Simple policies
  • Same-day coverage

When you sign up for a workers’ comp policy through Cerifty, you get same-day coverage and proof of insurance. This means you can get your business started faster with very little lag time.

Cerity is a well-known provider in the insurance industry and has an AM Best financial strength rating of A- (Excellent), as well as 4.4 stars on Trustpilot. Cerity is offered nationwide in all states except Ohio, North Dakota, Washington, and Wyoming (where private worker’s comp is not legally sold).

Coverage Highlights

Workers’ comp coverage through Cerity offers access to:

  • Bodily Injury by Accident at $1M per accident
  • Bodily Injury by Disease at $1M per each employee, subject to a $1M policy limit

Other coverage highlights for workers’ comp from Cerity include:

  • Statutory Workers’ Compensation coverage
  • Customers have the option to include or exclude the owner in coverage when permitted under state law

biBERK Business Insurance

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AMB Financial Strength
A++ (Superior)
Specialized for:
Workers’ Compensation

Why We Like It

biBerk is a subsidiary of the famous Berkshire Hathaway Insurance Group. As part of Berkshire Hathaway, biBerk is automatically backed by an A++ AM Best financial rating and over 75 years of experience in the insurance industry. This ensures you will get reputable service and solid coverage you can rely on.

The provider specializes in Workers’ Compensation coverage for small businesses across all US states except OH, ND, WA, and WY.

A major highlight of biBerk is that workers’ comp is available to sole proprietors and multi-employee businesses.

Coverage Highlights

Workers’ Comp coverage through biBerk includes Employers’ liability limits for:

  • Total policy limit of $500k
  • Bodily Injury by Accident at $100k/accident limit
  • Bodily Injury by Disease at $100k/employee limit
  • Coverage for the owner (optional depending on state law)

Other plan highlights:

  • biBerk’s Workers’ Comp plans offer statutory Workers’ Compensation coverage. This means that the employee is not required to prove that their employer is at fault to receive compensation.

USG Insurance Services, Inc.

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AMB Financial Strength
A- (Excellent)
Specialized for:
Cyber Liability

Why We Like It

With the growing need for cyber security coverage, look no further than USG Insurance Services, Inc.

USG offers top-notch Cyber Liability insurance to protect small and micro-businesses from cyber-attacks and data breaches originating from outside your company.

Plans are available for a broad range of business types and come backed by North American Data Security as well as a solid AM Best financial rating of A-. USG operates 20+ branches across the country, meaning you’re sure to have a regional or local office nearby to support you with queries and account management help when needed.

Coverage Highlights

Cyber Liability Coverage through USG offers access to:

  • $250k occurrence limit & $250k aggregate limit

Other coverage highlights for Cyber Liability include:

  • $1k deductible
  • $250/year flat rate of coverage
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Are personal trainers liable for client injuries?

Yes, as a personal trainer, you can be held liable for client injuries if you do not take the necessary precautions to keep your clients safe.

This involves maintaining your required licenses, employing proper training techniques, providing safety protocols, monitoring client progress, providing appropriate tools and equipment, and understanding first aid.

For this reason, we recommend getting professional liability insurance to protect yourself from claims resulting from poor or incomplete client service or misrepresentation of services and client benefits.

Below we detail what a personal trainer insurance policy is likely to cover.

What does personal trainer insurance cover?

Personal trainer insurance protects fitness professionals from potential liabilities and lawsuits that may arise from issues or accidents when working with clients.

Here are some common scenarios that personal trainer insurance covers:

In the fitness industry, the most common liabilities stem from physical injury, damage to client or business property, and failure to provide accurate or adequate service to customer expectations. As such, this personal training insurance typically includes professional indemnity, public liability, and professional liability insurance to cover the costs of financial losses.

Furthermore, some personal trainer policies may cover other scenarios, such as advertising damages, workers’ compensation, and legal expenses associated with defending your business.

Who needs personal trainer insurance and how much coverage you need depends on the nature of your business. Below, we cover this in greater detail.

Who needs personal trainer insurance?

Every trainer should have individual insurance coverage regardless of where they work.

Personal trainer insurance is especially essential if you own a gym, are an at-home trainer, or work with clients in the health and fitness industry. It’s important to have insurance that protects you from potential liabilities that can otherwise bankrupt your business.

If you own your own business, you can tailor policies to your specific practice, including coverage for where you operate (whether in a gym, online, or as a home-based business). Depending on your business operations, you may need several types of insurance coverage.

Here are some examples:

If you are an at-home trainer and a self-employed contractor, you may need additional policies to cover the risks of working with clients in private locations. These could include general liability, professional liability, or product liability insurance.

As another example, if you are an online personal trainer and store confidential client data electronically, you may want to consider cyber liability insurance. This can protect you against the costs of cyber threats like data breaches and hacking.

Are personal trainers required to have insurance?

Personal trainers are not typically required to carry insurance unless your state licensing requires it. That said, certain types of business insurance are required in all states except Texas, such as workers’ compensation insurance for one or more employees.

Even if insurance isn’t legally required in your state, we recommend having general liability insurance at a minimum. General liability insurance for personal trainers can protect you and your business from potential lawsuits arising from injuries or other damages clients suffer while training.

Since state laws can dictate what types of insurance you need, it’s important to ensure you have a comprehensive understanding of the laws and regulations applicable in your area so you can make informed decisions when choosing insurance.?For help understanding your requirements and coverage needs, we recommend speaking with an insurance professional.

(855) 843-2963

Speak to an insurance professional and get the help you need.

What types of insurance do personal trainers need?

Generally speaking, all professional personal trainers should have general liability insurance to protect against client injuries or resulting lawsuits.

As we mentioned above, the types of insurance you need as a personal trainer depend on many factors, including the types of services you provide and where you practice.

These are some of the most common types of insurance for personal trainers:

Advertiser Disclosure
Protects personal trainers from claims of bodily injury occurring at your studio and personal/advertising injury.
Examples of coverage:
  • Medical expenses of a client who injured themselves at your studio (for example, slipping on a wet floor)
  • Advertising injuries from promotional activities
Can protect your personal training business if a client decides to sue you for your services causing damage to them or their property, as well as lawsuits resulting from errors or omissions of information.
Examples of coverage:
  • Failure to deliver services promised to a client
  • Medical expenses of a client who injured themselves while you were training them
Covers personal trainers and their employees from financial losses & liability if they become injured due to work-related causes, like while training a client.
Examples of coverage:
  • Medical expenses if you or your employees get injured while training a client
  • Lost wages from being unable to work due to injury
Covers physical assets like goods & equipment when in transit over land or temporarily stored at off-site locations.
Examples of coverage:
  • Replacement of training equipment lost in transit
  • Repair of equipment damaged in transit
Covers damage, loss, and theft of physical assets at a business’ primary location. It covers items like inventory, furniture, and equipment, but does not cover the building.
Examples of coverage:
  • Replacement of goods stolen by a client
  • Repair of property damaged by clients during training
Protects companies’ data & intellectual property from cyber-related risks such as financial losses caused by cyber-attacks, external data breaches, etc. Especially necessary for online personal trainers.
Examples of coverage:
  • Cost to recover important data about your clients
  • Legal fees

General liability insurance

General liability insurance will cover your business, clients, and employees if someone is injured during normal operations. This type of policy covers medical expenses for those injured, as well as protects the business against any other financial losses that may arise due to legal action taken by a client or member of the public.

Let’s say your client slips and falls on a wet floor at your training studio. They get seriously injured and sue your business for medical expenses and other damages. General liability insurance can cover the costs of the claim, including legal fees and settlement costs.

General liability insurance typically covers claims related to bodily injury, property damage, and advertising injury, but it may not cover all types of claims. Be sure to review your policy carefully and speak with your insurance agent to understand the specific coverage limits and exclusions of your policy.

Professional liability insurance

Professional liability insurance can protect you and your business if your professional services cause damages to a client and they decide to sue you.

Professional liability insurance, also known as errors and omissions insurance, typically covers the following types of claims:

For example, imagine you push a new client too hard in their first session, causing them to suffer a serious back injury. The client then sues you for the cost of medical bills, lost wages, and other damages from the injury. With professional liability insurance coverage, your insurance company could help cover the cost of the damages.

Commercial property insurance

Commercial property insurance protects your business’s property from risks such as fire, theft, vandalism, and natural disasters. We recommend having this type of coverage if you own the facility or the equipment.

Let’s say a heavy rainstorm causes a leak in the roof of your gym, damaging the flooring, equipment, and other property. Your commercial property insurance may cover the costs of repairing or replacing your damaged property so that you can resume operations as soon as possible.

Workers’ compensation insurance

Workers’ compensation protects your employees if they become injured or ill as a direct result of their job. Its benefits may include reimbursement for medical care and lost wages.

If a personal trainer employed in your gym falls while demonstrating an exercise to a client and injures their back, workers’ comp could cover their medical bills and lost wages during the time they are unable to work. It may also cover other related expenses, such as physical therapy or rehabilitation.

Workers’ comp is primarily handled on a state level, and the benefits vary greatly between states. All states but Texas legally require employers to maintain this type of coverage for at least some of their employees.

Business owner’s policy

A business owner’s policy (BOP) is an insurance package that includes a combination of coverages based on a particular business’s needs. In most cases, BOP combines commercial property and general liability insurance into one policy. This means it could help cover claims resulting from theft, vandalism, or natural disasters, as well as from your business operations.

For example, let’s say a piece of equipment malfunctions at your studio and causes your client to suffer an injury. They then sue you for negligence for failing to properly maintain the equipment. If the claim is covered under your BOP, the coverage would cover the client’s medical expenses and lost wages, as well as your legal defense costs.

How much does personal trainer insurance cost?

The cost of personal trainer insurance can range from as low as $20 per month to over $2,000 for comprehensive coverage for trainers who own their facilities.

That said, the overall cost of personal trainer insurance ultimately depends on your specific practice. You must understand the different types of policies available and the cost of each so that you can choose according to your particular needs.

These are some of the factors that can influence the cost of personal trainer insurance:

Because coverage costs vary so widely based on these factors, we recommend you shop around and get quotes to find the best coverage at the best price.

(855) 843-2963

Call for a personalized comparison and free quote.

Tips for getting personal trainer insurance

Follow these tips when choosing personal trainer insurance for your business:

Determine what type of policies and how much coverage you need

As a personal trainer, you must have general liability insurance because this helps protect you against claims and lawsuits that a client could bring against you if they are injured while working with you.

Additionally, commercial property insurance helps cover damage to any property belonging to your gym or studio, and workers’ compensation can help protect you and your employees in the event of workplace illnesses or injuries.

When deciding the type of coverage and how much you need, we recommend you think about how your business runs on a day-to-day basis. Considering the potential risks will help you decide if you need additional types of insurance coverage. You can also consult an insurance expert to get advice on what coverage best suits your specific situation.

Get quotes and compare multiple providers

Before buying coverage, take the time to compare offerings from multiple insurance providers. Getting multiple quotes is a great way to get a sense of all your options and improve your chances of finding good coverage at a competitive rate. You can use an online comparison tool like the one offered by LA Times, work with an independent insurance broker, or directly contact insurance providers to get quotes and compare your options.

Purchase a policy

After considering your needs and shopping around for insurance, you can take the final step of buying coverage. You’ll need to finalize your application for coverage, get approved by the carrier, and begin paying your premiums.

It’s also important to periodically review your insurance policy. Changes to your personal or business circumstances can affect your coverage needs, and you might need to make adjustments to your policy to accommodate them.

Personal trainers Protect your business with a customized insurance plan. Suitcase and Shield With Checkmark GET A QUOTE

FAQ: Personal trainer insurance

Do I need liability insurance for online personal training?

As an online personal trainer, you should still get liability insurance to protect yourself from any accidents that may occur during your training sessions. Basic coverage should include general liability to protect against client injuries that result from your guidance or instruction. Depending on where you operate and the training services you offer, you may also opt for professional liability, cyber liability, or workers’ compensation coverage.

What type of insurance should a personal trainer have?

Personal trainers should consider having general liability and professional liability insurance. These types of insurance cover physical risks, such as bodily injury, as well as claims of negligence or malpractice related to the services you provide to clients.

Depending on your location, business structure, and services, you may also want workers’ compensation, commercial auto insurance, inland marine, or cyber liability coverage.

Do you need insurance if you run a personal training business from home?

If you run a personal training business from home, you should get general liability and professional liability insurance coverage at a minimum. While traditional homeowners or renters insurance may provide a small amount of protection for home-based businesses, it usually isn’t enough coverage to protect against business-related accidents or damage to expensive business property.

What type of liability insurance covers fitness instructors in a claim of negligence?

Professional liability insurance can shield fitness instructors against negligence claims. This?type of coverage protects an instructor if they make a mistake while delivering professional services to a client. However, if the instructor is found to have contributed to the claimant’s injury or ignored risks they should’ve addressed in their operations, their insurance carrier may deem them personally liable and refuse to cover a claim.

About the Author

Kiah Treece
Kiah Treece Business Finance

Kiah Treece is a business finance expert with more than five years of editorial experience. Through her experience as?a small business owner, real estate investor, and lawyer, she’s knowledgeable in the areas of banking, loans, financing, and insurance for small businesses. Her first-hand experience has enabled her to?break down complex?financial topics to help?consumers make informed decisions so they can spend their money wisely.

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