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Online Personal Trainer Insurance: Quotes From $11/month

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.

Liability Insurance for Online Personal Trainers 

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

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. 


Professional Liability Insurance for Online Personal Trainers

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. 

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Commercial Property Insurance for Online Personal Trainers

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. 


Workers Compensation Insurance for Online Personal Trainers

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. 


Cyber Liability Insurance for Online Personal Trainers 

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.

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Online Personal Trainer Insurance Cost 

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 MonthCost per YearBest for
NEXT$11$132Best overall; Fastest general liability insurance for online personal trainers
CoverWallet$13$156Online personal trainer insurance quotes comparison online
Tivly$15.50$186Comparing online personal trainer insurance quotes over the phone
Thimble$16$192Short-term general liability insurance for online personal trainers
Hiscox$20$240General liability insurance with worldwide coverage for personal trainers
Insure Fitness Group$25$300Coverage for pre-recorded and live-streamed personal training sessions
Insurance Canopy$27.50$330Cyber liability coverage
Sadler Sports$30$360US-based online personal trainers
Protectivity$32.29$387.48Easy-to-use website

Compare Cheap Online Personal Trainer Insurance Quotes Online

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

Best Online Personal Trainer Insurance Companies 

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. 

 

NEXT Online Personal Trainer Insurance

Pros 

  • Best overall

  • 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

Cons

  • 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


CoverWallet Online Personal Trainer Insurance

Pros

  • Stable rates

  • Compare online personal trainer insurance quotes online

  • Zero deductibles on general liability insurance

  • Cancel a policy anytime 

Cons

  • 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


Tivly Online Personal Trainer Insurance

Pros

  • Responsive customer service

  • Call and compare online personal trainer insurance quotes over the phone

  • A partner of many reputable insurance companies 

Cons

  • 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


Thimble Online Personal Trainer Insurance

Pros

  • 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

Cons

  • 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



Hiscox Online Personal Trainer Insurance

Pros

  • 14-day money back guarantee

  • Has Hiscox NOW program for cheaper rates

  • Worldwide coverage

  • 5% discount if you bundle two or more insurance products

Cons

  • 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


Insure Fitness Group Online Personal Trainer Insurance 

Pros

  • 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 

  • Flexible payments 

Cons

  • 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


Insurance Canopy Online Personal Trainer Insurance

Pros 

  • Personalized policies

  • 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 

Cons

  • 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


Sadler Online Personal Trainer Insurance

Pros

  • Covers a wide range of online classes including pilates, cardio exercises and ZUMBA

  • Policyholders have the option of customizing their coverage options 

  • Broad coverage 

  • Hassle-free claims processing 

Cons

  • 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 1Tier 2Tier 3Tier 4Tier 5
Per Occurrence Limit$1,000,000$2,000,000$3,000,000$4,000,000$5,000,000
General Aggregate$5,000,000$5,000,000$5,000,000$5,000,000$5,000,000
Products/Completed Operations $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
Professional Liability$1,000,000$2,000,000$3,000,000$4,000,000$5,000,000

 

Best for: US-based online personal trainers 

Average cost: $30 per month 

Our rating: 6/10


Protectivity Online Personal Trainer Insurance 

Pros 

  • Exceptional claims handling 

  • Easy-to-use website 

  • Exceptional customer service 

  • Flexible payment plans 

  • Worldwide coverage 24-hour turn-round for quotes 

Cons 

  • 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

  • Professional indemnity 

  • $500 equipment cover 

  • Optional personal accident cover 

Best for: Easy-to-use website 

Average cost: $32.29 per month 

Our rating: 7/10


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