Athletic Trainer Insurance: Cost & Quotes From $35/mo

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Baseball and boxing are some examples of highly perilous sports. Players can sustain injuries that have long-term effects. An athletic trainer helps individuals in many sports teams recover from an injury. 

As an athletic trainer, you know better than anyone about staying prepared and protecting your clients from injury. But what about protecting yourself and your business from legal and financial risks? This makes athletic trainer insurance necessary. Maintaining the right insurance coverage protects you if a client sustains injuries or personal training equipment gets damaged

In this article, we’ll explore the various types of athletic trainer insurance coverage available for athletic trainers, the specific situations they can help with, and the best insurance companies to consider. 

General Liability Insurance for Athletic Trainers

CoverWallet  NEXT (Best) Thimble Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $2,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $300,000/$1,000,000 $300,000 $100,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No No Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0


General liability insurance for an athletic trainer protects the trainer from financial loss if held legally liable. This athletic trainer liability insurance covers accidents, injuries, or property damage that may occur while the trainer conducts training sessions, provides guidance to athletes or clients, or uses facilities or equipment. The coverage limits can range from $500,000 to $1 million per occurrence.


Specific Situations Where This Insurance Can Help

  • Slip and fall accidents in your office or training facility

  • Property damage caused by you or your clients during training sessions

  • Accidents that occur during events or competitions that you are involved in

Add-Ons to General Liability Insurance for Athletic Trainers

  • Professional liability insurance–This type of insurance covers claims against you related to your professional services, such as malpractice or negligence

  • Employment practices liability insurance (EPLI)–EPLI covers claims related to employment practices, including wrongful termination, discrimination, harassment, or other violations of employee rights. It can protect the athletic trainer from lawsuits from employees or former employees

Professional Liability Insurance for Athletic Trainers

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No
HIPAA coverage included? No No No No No
Sexual misconduct coverage included? No No No No Can be included
License defense coverage included? No No No No Can be included
Deductible  $500 $500 $500 $50/$10,000 $500


Professional liability insurance for athletic trainers is essential because it covers potential liability arising from their professional actions, advice, or recommendations. Coverage limits for professional liability insurance are typically between $1 million-$2 million per occurrence and aggregate. 

Specific Situations Where This Insurance Can Help

  • Claims of malpractice or negligence related to your professional services, such as administering incorrect treatment or failing to diagnose a condition

  • Allegations of professional impropriety or unethical conduct

  • Statements on lack of acquisition of informed consent from clients before providing treatment

Add-Ons to Professional Liability Insurance for Athletic Trainers

Some insurance providers may offer add-ons to their professional liability policies, such as:

  • Extended reporting period–An ERP, also known as “tail coverage,” provides an extension of the reporting period for claims under a claims-made policy. It allows the athletic trainer to report claims even after the policy has expired, as long as the incident occurred during the policy period.

  • Regulatory proceeding coverage–It covers legal fees and expenses related to claims made against you by a regulatory agency.

Does Professional Liability Insurance Differ From Malpractice Insurance?

Athletic trainer malpractice insurance covers errors or negligence. This is another term for professional liability insurance designed for athletic trainers. 


Public Liability Insurance for Athletic Trainers

Public liability insurance covers claims against you for bodily injury, property damage, or personal injury during business operations in a public place. Most general liability policies automatically have public liability coverage incorporated in their language. 


Add-Ons to Public Liability Insurance for Athletic Trainers

Some insurance providers may offer add-ons to their public liability policies, such as:

  • Event coverage–This add-on provides coverage if the athletic trainer organizes or participates in special events. It can protect against liability claims during the event, such as injuries or property damage caused to participants or spectators

  • Participant liability coverage–This add-on extends coverage to injuries sustained by participants during athletic events, competitions, or training sessions organized by the athletic trainer. It can cover medical expenses, legal fees, and potential liability claims from participants

Does Public Liability Insurance Cover Claims Relate to Food Poisoning at Events You Are Involved In?

Public liability insurance can cover claims related to food poisoning at events you are involved in as long as the incident occurred during your business operations and in a public place.

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Commercial Property Insurance for Athletic Trainers

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded
Lock and keys  Excluded $2,500 Excluded Excluded Excluded
Business interruption floater Excluded Included Included Included Excluded
Equipment breakdown floater Excluded Included Excluded Excluded Excluded
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Included Excluded


Commercial property insurance protects your business property from damage or loss due to covered events like fire, theft, or natural disasters. As an athletic trainer, you may own or rent a building or space where you train your clients. Commercial property insurance can help protect your property, including equipment, furniture, and fixtures.

Coverage limits range from $300,000 up to $1,000,000 for each occurrence. Some policies also offer coverage for loss of income due to equipment failure or damage.


Specific Situations Where Commercial Property Insurance Can Help

  • Fire damage to your building or equipment

  • Theft or vandalism of your business property

  • Water damage due to burst pipes or severe weather

  • Damage to your property due to natural disasters like earthquakes or hurricanes

Add-Ons to Commercial Property Insurance for Athletic Trainers

  • Flood insurance–Provides additional coverage for damage or loss due to flooding

  • Earthquake insurance–Offers supplementary protection against harm or deprivation caused by an earthquake

Business Owner’s Policy for Athletic Trainers

CoverWallet NEXT (Best) Thimble Hiscox The Hartford
Building coverage limit (minimum) $50,000 $260,000 $25,000/$500,000 $25,000 $60,000
Contents coverage limit (minimum) $50,000 $22,000 $25,000/$500,000 $25,000 $60,000
Outdoor signs Excluded $2,500 Excluded Excluded Excluded
Accounts receivable  Excluded Excluded $5,000/10,000 Included Excluded
Money and securities Excluded $2,500 $1,000 Included Excluded


A business owner’s policy (BOP) combines general liability and commercial property insurance, providing comprehensive coverage for small businesses. As an athletic trainer, consider a BOP to protect yourself and your business from unexpected incidents and accidents.


Coverage Limits of Business Owner’s Policy for Athletic Trainers

A BOP offers a $1 million general liability coverage and $60,000 commercial property coverage. You can enjoy higher coverage amounts if the insurance company allows for policy customization. 


Add-Ons to Business Owner’s Policy for Athletic Trainers

  • Professional liability insurance–Also known as errors and omissions insurance, covers you against claims of negligence, errors, or omissions in your professional services

  • Cyber liability insurance–Covers your business against data breaches, cyber-attacks, and other cyber threats

Tools and Equipment Insurance for Athletic Trainers

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


As an athletic trainer, your tools and equipment are crucial. Tools and equipment insurance covers your equipment, tools, and supplies from damage caused by theft, fire, vandalism, and other covered perils. 


Coverage Limits of Tools and Equipment Insurance for Athletic Trainers

The coverage limits typically range from $5,000 to $50,000 or more. Choosing a coverage limit appropriate for the value of your equipment and supplies is essential.


Add-Ons to Tools and Equipment Insurance for Athletic Trainers

  • Inland marine coverage–Protects your equipment while in transit

  • Business interruption coverage–This policy safeguards against income loss in case of equipment damage or loss that prevents you from working

  • Spoilage coverage–This insurance protects supplies that spoil or become unusable due to power outages or other covered occurrences

Does Tools and Equipment Insurance Cover Renting Equipment?

It depends on the tools and equipment insurance policy you choose. Some insurance policies may provide coverage for rented equipment, while others may not. It’s important to review your insurance policy and discuss your coverage options with your insurance provider to ensure you have the protection you need.


Focused  woman exercising with battle ropes.


Workers Compensation Insurance for Athletic Trainers

Athletic trainers’ workers’ compensation insurance covers job-related injuries and diseases. Athletic trainers work with sports teams, fitness centers, schools, and rehabilitation facilities to prevent and treat injuries. Athletic trainers’ medical treatment, including doctor visits, hospitalization, drugs, and rehabilitation, can be covered by workers’ compensation insurance.


Coverage Limits of Workers Compensation Insurance for Athletic Trainers

The coverage limits for workers compensation insurance can vary depending on the insurance provider and your chosen policy. The coverage limits typically range from $100,000 to $1 million. 


Add-Ons to Workers Compensation Insurance for Athletic Trainers

  • Employer’s liability insurance covers lawsuits or claims against your employer about your injury or illness

  • Occupational accident insurance covers non-employee athletes or clients who may be injured while participating in athletic training services

Do Athletic Trainers Need Workers Compensation Insurance if They Are Self-Employed?

If you are a self-employed athletic trainer, you may not be legally required to have workers compensation insurance. However, it’s still important to consider this type of insurance as it can cover injuries or illnesses that may occur while providing athletic training services. 


Travel Insurance for Athletic Trainers

Travel insurance protects them financially when traveling for work. Medical expenses, lost or delayed baggage, emergency medical evacuation, and other advantages are usually covered.


Coverage Limits of Travel Insurance for Athletic Trainers

The coverage limits can range from $25,000 to $1 million or more.


Add-Ons to Travel Insurance for Athletic Trainers

  • Trip interruption coverage–Covers expenses related to an unexpected interruption of your work-related trip

  • Adventure sports coverage–It covers injuries or accidents that may occur while participating in adventure sports such as skiing, snowboarding, or surfing

Can I Purchase Travel Insurance for International Work-Related Trips?

Yes, travel insurance is available for international work-related trips. It’s important to review the policy details and ensure that the coverage meets your specific needs and the requirements of your employer.

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Athletic Trainer Liability Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $36 $432 $0-$500
Professional liability insurance $43 $516 $1,000-$2,000
Commercial property insurance $52 $624 $1,000-$2,000
Business owner’s policy $74 $888 $1,500
Tools and equipment insurance $39 $468 $500-$1,000
Commercial auto insurance $46 $552 $500-$1,000
Workers compensation insurance $82 $984 $2,500-$5,000


The average athletic trainer liability insurance cost is $36 per month or $432 per year for a $1 million general liability policy. Here are some factors that can impact the cost of liability insurance for certified athletic trainers:

  • Coverage limits–Higher coverage limits will typically result in higher premiums

  • Deductible–A higher deductible (the amount the insured must pay before the insurance coverage kicks in) can lower premiums, while a lower deductible may result in higher premiums

  • Location–Insurance rates can vary based on the location where the athletic trainer operates. Local regulations, cost of living, and litigation trends can influence insurance costs

  • Experience and qualifications–The athletic trainer’s experience, certifications, and qualifications can affect the premium. Trainers with more experience or specialized certifications may have lower rates

  • Claims history–A history of past claims or legal actions can impact the cost of insurance. If an athletic trainer has a history of claims, it may result in higher premiums

  • Additional coverage and endorsements–The cost of add-ons to  or endorsements to the policy will be added to the base premium, increasing the overall cost

In connection, here’s a table showing the rates of a $1 million general liability policy from the best athletic trainer insurance companies:

Cost per Month Cost per Year Best for
NEXT $11 $132 Best overall; Fastest general liability insurance for athletic trainers
CoverWallet $18 $216 Comparing athletic trainer insurance quotes online
The Hartford $24 $288 Workers comp insurance for athletic trainers
Tivly $28 $336 Comparing athletic trainer insurance quotes over the phone
Hiscox $30 $360 Business insurance policies with cyber liability coverage options
Thimble $32 $384 On-demand insurance policies with flexible coverage options

Consider comparing quotes to get a better idea of the cost for liability insurance for a certified athletic trainer. Start by clicking the “Get Quotes” button on this page.

Compare Cheap Athletic Trainer Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Athletic Trainer Insurance Companies 

Several insurance companies specialize in providing coverage for athletic trainers. The best insurance company for you may depend on your location, specific needs, and budget. Here are some well-known insurance companies that offer coverage for athletic trainers. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance. 


NEXT Athletic Trainer Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for athletic trainers

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

If you’re an athletic trainer looking for comprehensive insurance coverage, NEXT is a great option. They offer liability insurance for athletic trainers starting at just $11 per month, making it an affordable option for those just starting out. Other policies you can avail are commercial property, BOP, and workers compensation insurance. NEXT also offers commercial auto insurance in partnership with Progressive. 

Best for: Best overall; Fastest general liability insurance for athletic trainers

Average cost: $11 per month 

Our rating: 10/10


CoverWallet Athletic Trainer Insurance

Pros

  • Access to policies from a variety of top insurance carriers

  • Dedicated customer service support team

  • Wide range of insurance products available beyond liability insurance

Cons

  • Some customers report issues with the claims process

CoverWallet is an online insurance marketplace that provides business insurance policies, including coverage for athletic trainers. Their online platform makes it easy to select the coverage options that best fit your needs, and their customer service team is available to answer any questions you may have. With CoverWallet, you can rest assured that you have the coverage you need to protect yourself and your business.

Best for: Comparing athletic trainer insurance quotes online 

Average cost: $18 per month

Our rating: 10/10


The Hartford Athletic Trainer Insurance

Pros

  • Variety of coverage options available, including liability, property, and workers’ compensation insurance

  • Strong financial stability and ratings

  • Ability to bundle coverage for multiple insurance needs

Cons

  • Limited add-ons to general liability insurance

The Hartford is a trusted name in the insurance industry, and for a good reason. They offer a range of insurance options for athletic trainers, including general liability, professional liability, and property coverage.

Best for: Workers comp insurance for athletic trainers

Average cost: $24 per month 

Our rating: 10/10


Tivly Athletic Trainer Insurance

Pros

  • Simple, easy-to-understand policies with no hidden fees or surprises

  • Flexible coverage options tailored for athletic trainers

  • Strong focus on customer support and satisfaction

Cons

  • Limited information available about the company’s history and reputation

Tivly is an online insurance marketplace that provides business insurance policies. Their policies are designed to meet the unique needs of small businesses. But note that your insurance policies aren’t underwritten by Tivly. Instead, this comes from reputable carriers Tivly works with. Call now to compare quotes over the phone. 

Best for: Comparing athletic trainer insurance quotes over the phone

Average cost: $28 per month 

Our rating: 9/10


Hiscox Athletic Trainer Insurance

Pros

  • Allows policyholders to adjust their coverage levels as their needs change

  • Hiscox provides access to various risk management tools and resources to help athletic trainers mitigate potential risks and liabilities.

Cons

  • Its services are limited to certain states

Hiscox offers business insurance policies, including general, professional, and cyber liability insurance. Their policies are designed to meet the unique needs of small businesses, including athletic trainers. Hiscox’s policies are customizable and can be tailored to meet the needs of a small business.

Best for: Business insurance policies with cyber liability coverage options

Average cost: $30 per month

Our rating: 8/10


Thimble Athletic Trainer Insurance

Pros

  • Ability to purchase insurance for specific periods, such as a single event or project

  • Thimble offers pay-as-you-go policies, which means athletic trainers only pay for the coverage they need, when they need it

  • Numerous add-ons to general liability insurance

Cons

  • You can’t reach customer service by calling

Thimble offers on-demand business insurance policies, including general and professional liability insurance. Their policies are designed for small businesses, including athletic trainers. Thimble’s policies are flexible and can be purchased by the hour, day, or month.

Best for: On-demand insurance policies with flexible coverage options

Average cost: $32 per month 

Our rating: 8/10


Lockton Liability Athletic Trainer Insurance

Pros

  • Lockton Liability has a well-established reputation for providing excellent customer service, with a dedicated team available to address inquiries or concerns

  • They offer customizable coverage options, allowing athletic trainers to select the specific coverage that aligns with their needs and budget

  • Their network and relationships within the insurance industry enable them to secure competitive rates and terms for athletics, potentially saving businesses high costs

Cons

  • Certain coverage options may not be available in all states, so it’s essential to verify the availability of specific coverages based on your state of operation

This is a top-notch option for global liability coverage offering athletic trainers. They provide a wide range of insurance solutions tailored to meet the specific needs of businesses, including athletic trainers. With their expertise and exceptional customer service, lockton liability insurance for athletic trainers is reliable partner in protecting your athletic trainer’s interests.

Best for: Businesses seeking customized liability coverage

Average cost: $41 per month

Our rating: 7/10


Proliability Athletic Trainer Insurance

Pros

  • Coverage is available to members and non-members

  • Offers for a variety of professional associations

  • Students receive a discount

Cons

  • You must complete a form and wait for a call if you want business insurance

Proliability Insurance is a dependable professional liability insurance coverage source. The proliability athletic trainer insurance application procedure is short and simple. The customer care staff offers unparalleled personalized service at reasonable rates. To provide business owners with specialized solutions and flexible coverage options, Proliability Insurance only partners with the most reputable insurance companies. 

Best for: Self-employed or own a practice

Average cost: $45 per month 

Our rating: 7/10

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