Many people like to exercise in the comfort of their homes rather than gyms. And so, online personal trainers are always on the go to provide instructions, advice, and tips as students tone themselves in their private gyms.
Online personal training presents many risks that necessitate online personal trainer insurance. Also sold as online fitness coach insurance, this insurance product refers to several types of policies that protect you from lawsuits, financial losses, and gym equipment damages.
Overall, online personal trainer insurance affords you the ability to pour your energy into building your brand without worrying about being sidelined by a claim or lawsuit. Get insured and work with more confidence just like pilates instructors and health coaches.
Here are some of the online personal trainer insurance policies you'll need as part of your comprehensive protection.
At a minimum, you are going to need two liability insurance policies for online personal trainer business-general liability insurance and professional liability insurance for online personal trainers.
General liability insurance for online personal trainers, private personal trainers, and fitness instructors covers legal and settlement costs associated with claims of third-party bodily injury, third-party property damage, and personal and advertising injury.
This means that if one of your clients was to injure himself during your virtual training session and filed a claim, the policy would cater to the resulting medical costs, defense costs, settlements, and court judgments. Coverage also applies if you’re accused of slander, libel, or copyright infringement. Note that public liability coverage is automatically included in general liability insurance.
An additional policy you ought to get from online fitness instructor insurance plans is professional liability insurance, also referred to as errors and omissions insurance. This policy protects you and your online personal training business from claims of professional negligence, oversight, breach of contract, and errors. Professional liability insurance for online personal trainers, yoga instructors, and crossfit instructors caters to all arising legal and settlement costs, thus ensuring you do not pay out of pocket for any of these.
If, for instance, you teach your online class and an attendee later claims that the exercise was too vigorous and resulted in a torn muscle, the professional liability policy will cover all costs arising from the claim made by the attendee.
Other than these liability insurance policies, there are additional types of insurance covers you ought to invest in.
Get all the best quotes from leading providers in a click of a button!
What if, while recording or streaming your workout, a dumbbell falls and damages the floor of your business property? Further, suppose a water pipe bursts, or there's an extreme weather condition that results in your studio being unsuitable for streaming or recording the workout session.
If you have a business property insurance policy in place, it will cover the cost of repairing any of these damages. If you were to be forced to rent out another space as you await the fixing of your studio, then the business property insurance will sufficiently cover this cost.
It is prudent to mention that if you are on a budget, you ought to get a business owner's policy (BOP), which is also offered to barre instructors and aerobics instructors. This policy combines a general liability cover with commercial property insurance. In some instances, some providers will include a business interruption cover in the BOP. That way, you pay the price of one for three different policies.
Suppose you have additional trainers and a production crew working towards live streaming or recording the trained sessions.
If one of your employees was to be injured or get sick while at work, the workers' compensation policy for online personal trainers, fitness instructors, and zumba instructors would meet the medical costs arising from this incident. The policy also covers lost wages and rehabilitation costs for the employees. The policy also offers compensation for the portion of the income lost, thus ensuring that your employee receives money even though he or she isn’t working.
This policy for online personal trainers and spin instructors covers financial loss resulting from data breaches, hacking, ransomware, and other events orchestrated by cyber threat actors. Seeing as most of your payments will be made online, you are at risk of cyberattacks where cybercriminals will be looking to get a hold of these credit card numbers.
Expect to pay $25 per month or $300 per year for a $1 million general liability insurance policy. This cost estimate assumes that you have 5 employees and generate $500,000-$750,000 revenue per year. Online personal trainer insurance cost varies. Your premiums will depend on the following:
Your business's location
Size of your business
Insurance limits you choose
Your claims history
Number of employees
For a better perspective, here's a table detailing what you'd pay from some reputable insurance companies in the market today:
|Cost per Month||Cost per Year||Best for|
|NEXT||$11||$132||Best overall; Fastest general liability insurance for online personal trainers|
|CoverWallet||$13||$156||Online personal trainer insurance quotes comparison online|
|Tivly||$15.50||$186||Comparing online personal trainer insurance quotes over the phone|
|Thimble||$16||$192||Short-term general liability insurance for online personal trainers|
|Hiscox||$20||$240||General liability insurance with worldwide coverage for personal trainers|
|Insure Fitness Group||$25||$300||Coverage for pre-recorded and live-streamed personal training sessions|
|Insurance Canopy||$27.50||$330||Cyber liability coverage|
|Sadler Sports||$30||$360||US-based online personal trainers|
Get all the best quotes from leading providers in a click of a button!
For peace of mind and trusty coverage, you ought to work with the best online personal trainer insurance companies. Here are a few options you must look into. Read to know their pros,cons, and rate for a $1 million general liability insurance.
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for online personal trainers
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
NEXT insurance has partnered with the National Academy of Sports Medicine, NASM, to offer online personal training insurance. This means that you need to be certified with the body for you to qualify for online personal trainer insurance from NEXT.
NEXT's online personal trainer insurance starts at $11 per month or $132 annually. For this, you get a few different coverage options to choose from, covering anything from harmful advice, unhappy clients, and personal injury claims.
What stands out with NEXT online personal insurance is that you can add nutritional or dietary supplement coverage as part of your policy. The coverage limit you receive is subject to the plan you purchase. For example, the deluxe insurance plan provides a $1 million general liability insurance, whereas the basic plan will only offer $300,000 general liability insurance.
Best for: Best overall; Fastest general liability insurance for online personal trainers
Average cost: $11 per month
Our rating: 10/10
Compare online personal trainer insurance quotes online
Zero deductibles on general liability insurance
Cancel a policy anytime
Not an insurance company but an insurance broker
CoverWallet covers personal trainers working in physical locations and those doing sessions online through its personal trainer insurance program. Policies you can get are general liability, workers compensation, professional liability, and product liability insurance.
This company’s general liability insurance for online personal trainers has a $1 million-2 million per occurrence and aggregate limit. The policy includes a $2 million products and completed operations coverage, a $1 million advertising injury coverage, and $300,000 rented premises liability coverage.
CoverWallet’s professional liability insurance for online personal trainers has a $300,000-$1 million per occurrence limit. Aside from common perils, primary and noncontributory damages might be included in the terms of the policy.
Use CoverWallet’s online quotes comparison tool to compare quotes before getting covered.
Best for: Online personal trainer insurance quotes comparison online
Average cost: $13 per month
Our rating: 10/10
Responsive customer service
Call and compare online personal trainer insurance quotes over the phone
A partner of many reputable insurance companies
You need to call to get a quote
Tivly provides coverage through its personal trainer’s insurance program. As an online personal trainer, you can get cyber liability insurance, workers compensation insurance, commercial property insurance, and other business insurance policies. Call Tivly now to talk with a representative and compare online personal trainer insurance quotes over the phone.
Best for: Comparing online personal trainer insurance quotes over the phone
Average cost: $15.50 per month
Our rating: 10/10
Short-term and long-term online personal trainer insurance
Quick to issue quotes
Choose coverage limits and deductibles
General liability insurance might come with equipment breakdown and customer property floater
You can’t reach customer service by calling
Thimble covers online personal trainers through its fitness instructor and personal trainer insurance program. Policies offered are workers compensation insurance, business owner’s policy, and general liability insurance
This company’s general liability insurance has a $1 million-$2 million per occurrence limit. You can decide how much coverage and deductibles to have. Note that your general liability policy might come with an equipment breakdown floater and customer property coverage.
Thimble sells a short-term general liability policy, which Hiscox also sells. This is useful if you provide personal training services occasionally. The short-term general liability insurance of Thimble grants protection for hours, days, weeks, or months.
Best for: Short-term general liability insurance for online personal trainers
Average cost: $16 per month
Our rating: 9/10
14-day money back guarantee
Has Hiscox NOW program for cheaper rates
5% discount if you bundle two or more insurance products
You can’t get commercial property insurance as a stand-alone policy
Hiscox covers online personal trainers through its fitness instructor insurance program. You can get general liability insurance, workers compensation insurance, professional liability insurance, cyber liability insurance, and business owner’s policy from this.
General liability and professional liability limits start at $300,000. Cyber liability insurance, on the other hand, is capped at $250,000. The minimum amount of commercial property coverage you get from the BOP is $10,000.
Best for: General liability insurance with worldwide coverage for personal trainers
Average cost: $20 per month
Our rating: 9/10
No hidden fees
Instant insurance coverage online
Proof of insurance processed in less than 5 minutes after the payment
Fully portable insurance that covers both pre-recorded and live-streamed classes within the United States
Member-only benefits including instant access to the Insurance Plus marketplace, where you can obtain add-on insurance policies
Coverage for 100+ workout routines, group fitness programs, and more
Certain benefits are only available to Insure Fitness Group members
With Insure Fitness Group, you get immediate coverage the moment you pay for the coverage. Expect to have occurrence form coverage to be included when signing the policy documents. This means that you will be able to make a claim for an event that happens when your policy is active and even when the policy has expired.
Insure Fitness Group's online personal training insurance offering starts at $25 per month or $300 annually. This plan includes the following:
General and professional liability insurance of up to $1 million for each occurrence and $3 million in total for all claims throughout the year
Product liability insurance with a limit of $1 million
Stolen equipment coverage of up to $1,000 less a $250 deductible
Rental damage coverage of up to $100,000
Identity protection plan of up to $25,000
Best for: Coverage for pre-recorded and live-streamed personal training sessions
Average cost: $25 per month
Our rating: 9/10
Instant coverage in just 10 minutes or less after online application
Flexible payments made either once a year or once a month
Policies offered in all 50 states
Insurance Canopy offers a claim-made policy and not an occurrence form
Theft of equipment is not covered
Policyholders do not get an identity protection plan
If you are in the market for an online personal trainer insurance provider that prides itself on catering to your individual needs, then Insurance Canopy is your insurer.
Insurance Canopy's online personal trainer insurance policy costs $27.50 per month or $330 annually. For this and a $100 deductible, you get:
Professional and general liability coverage with a $1 million per occurrence and a $3 million aggregate limit
Product liability coverage with a $1 million per occurrence and a $3 million aggregate limit
Medical expenses coverage with a no-fault limit
Gear and equipment coverage if they are damaged or lost while in transit with a limit of $2,000
Cyber liability coverage with a $100,000 limit
What stands out with Insurance Canopy's online personal trainer insurance is the comprehensive cybersecurity coverage. The latter includes both first-party and third-party covers, which means you are covered for all costs arising from a cyber event on you or a customer.
Best for: Cyber liability coverage
Average cost: $27.50 per month
Our rating: 8/10
Covers a wide range of online classes including pilates, cardio exercises and ZUMBA
Policyholders have the option of customizing their coverage options
Hassle-free claims processing
Sadler only insures US-based online personal trainers
Sadler personal training insurance is designed with US-based trainers in mind. Whether you are into aerobics, cardio, aquatic exercises, pilates, spinning, yoga, or zumba, Sadler has a cover for you.
Online personal trainer insurance policies differ based on the level of coverage provided. Unfortunately, Sadler isn't as forthcoming with how much their online personal trainer insurance costs. You have 5 tiers of coverage to choose from, as shown in the table below:
|Tier 1||Tier 2||Tier 3||Tier 4||Tier 5|
|Per Occurrence Limit||$1,000,000||$2,000,000||$3,000,000||$4,000,000||$5,000,000|
|Damage to Premises Rented to You||$1,000,000||$1,000,000||$1,000,000||$1,000,000||$1,000,000|
|Medical Expense Payments||$5,000||$5,000||$5,000||$5,000||$5,000|
Best for: US-based online personal trainers
Average cost: $30 per month
Our rating: 6/10
Exceptional claims handling
Exceptional customer service
Flexible payment plans
Worldwide coverage 24-hour turn-round for quotes
A maximum refund of $10
Policyholders are charged a cancellation fee
Whether you run a one-man show or have an entire team working with you to produce online personal training sessions, you will find Protectivity quite attractive.
If you are keen on making an online purchase, then purchasing online personal trainer insurance from Protectivity is quite a breeze. All you need is to fill out the online quote form on Protectivity's official website, and you will get a personalized quote delivered to your inbox. Thereafter, one of Protectivity's representatives will get in touch with you to discuss which policy package best suits your business.
Protectivity's online personal trainer insurance starts at $32.29 per month or $387.48 annually. For this price, you get the following:
Public liability coverage of up to $10,000,000
$500 equipment cover
Optional personal accident cover
Best for: Easy-to-use website
Average cost: $32.29 per month
Our rating: 7/10
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!