Professional Indemnity Insurance for Personal Trainers

A personal trainer and the gym he was working at had to pay $10.875 million in a negligence lawsuit overseen by a Connecticut jury
A personal trainer and a New York gym had to pay $2.25 million settlement in a negligence lawsuit filed by a 56-year-old student who sustained injuries in her lumbar spine during a session

You need professional indemnity insurance just like zumba instructors, barre instructors, gym owners, and aerobics instructors. Professional indemnity insurance grants protection when a student accuses you of causing injuries because of negligence, inaccurate advice, or improper methods.

You get $1 million-$5 million coverage from a professional indemnity insurance personal trainer. This can be used to cover settlements, defense costs, and court judgments. Aside from this, the policy provides other perks such as:

$150,000 for investigation and lawsuits filed by personal trainer regulatory boards
$50,000 privacy and data protection coverage
$5,000-$15,000 reimbursement for lost income due to professional liability lawsuits
$50,000 HIPAA coverage

Professional indemnity insurance for trainers might offer a sexual abuse and molestation coverage, which amounts to $10,000-$25,000, depending on which insurance company you work with.

General Liability Insurance for Personal Trainers

“Bodily injuries and property damage arising from accidents can cost $300,000-$1.4 million, based on recent news on lawsuits against personal trainers circulating online”

Your student might get injured due to bad posture, improper technique, failure to follow instructions, and defective equipment. And so, it’s important to get personal trainer liability insurance.

General liability insurance for personal trainers provides $300,000-$5 million you can use for these costs when a student holds you liable for bodily injuries or property damage as a result of an accident:

Medical treatment
Reimbursement for the cost of the damaged property
Attorney fees, court filing fees, and other defense cost
Court judgments

In connection, the general liability insurance for your profession comes with additional perks, such as:

$100,000-$500,000 for fire damage to an office or studio you’re renting
$1 million for claims filed against products sold or completed services
$25,000 medical expenses coverage in addition to primary limits
$1 million-$2 million for slander, libel, and copyright infringement claims

For the best liability insurance for personal trainers, we recommend CoverWallet, NEXT, and Thimble. CoverWallet’s general liability insurance comes with non-owned/hired auto liability coverage. NEXT’s general liability insurance grants quick protection. As for Thimble, its general liability insurance is available as a stand-alone policy.

Public Liability Insurance for Personal Trainers

Public liability insurance personal trainer covers bodily injuries or property damage sustained by third parties. In the USA, this is included in the language of general liability insurance policies. Getting general liability insurance is tantamount to having public liability insurance.

Personal Liability Insurance for Personal Trainers

Do you train students right at home? If this is the case, it’s good to get personal liability insurance for personal trainers.

Personal liability insurance is a component of homeowner’s and renter’s insurance plans. This covers medical treatments, refunds, defense costs, and court judgments if a student experiences an accident while in your home.

It’s important to note that general liability insurance can grant protection if a student sustained property damage or bodily injuries during a session in your house, condo, or apartment. Nonetheless, it’s good to have personal liability insurance as an extra layer of protection.

Equipment Breakdown Insurance for Personal Trainers

You can insure weights, mats, and other valuable equipment with equipment breakdown insurance. This personal trainer insurance coverage provides $2,500-$5,000 for repair or replacement costs if the equipment you use to train clients get damaged or lost because of:

Fire
Theft
Vandalism
Impact
Mechanical breakdown
Electrical surge
Electrical shorts

Note that most personal trainer business insurance plans offer equipment breakdown insurance as a floater to general liability insurance.

Workers Compensation Insurance for Personal Trainers

Similar to CrossFit instructors and pilates instructors, you can sustain injuries during a workout session with a client.

Most personal trainers experience back injuries, crushed toes and fingers, tendinitis, and ankle or knee injuries. Getting yourself treated can be costly. This is why it’s good to get workers' compensation insurance for personal trainers.

Workers' compensation insurance covers the doctor’s fees, prescription drugs, after-hospital visits, rehabilitation, retraining, and lost wages if you sustain an occupational injury or disease. In case of death, this will cover funeral expenses and allowance to dependents too.

It might also be a good idea to get health insurance for personal trainers, as workers' compensation insurance doesn’t ascertain coverage for cancer, chronic illnesses, and other related occupational illnesses.

Why is It Important To Get Workers Compensation And Health Insurance?

A personal trainer covered by health insurance and workers' compensation insurance gets assurance that significant losses won’t be incurred. Note that the cost of treating a fracture or torn muscle ranges $500-$6,000.

Online Personal Trainer Insurance

Online personal trainer insurance is a specialized insurance program for personal trainers who conduct classes using their own websites or live streaming platforms. Inclusions are general liability, workers compensation, commercial property, professional liability, and other business insurance policies. Read our guide about this.

Personal Trainer Insurance Cost

	Cost per Month	Cost per Year	Deductible
General liability insurance	$29	$348	$500
Professional liability insurance	$46	$552	$1,000
Commercial property insurance	$51	$612	$1,000
Workers compensation insurance	$66	$792	$500-$2,500
Business owner’s policy	$43	$516	$500-$1,500

Expect to pay $29 per month or $348 per year for a $1 million general liability insurance. This personal trainer liability insurance cost estimate assumes that you have no prior claims and make $50,000-$100,000 per year.

Numerous factors affect the personal trainer insurance cost, such as claims history, business history, revenues, type of services provided, whether or not you have a license, and others.

Your rates can be exactly the same or different from the figures we provided. Get cheap personal trainer insurance by:

Having high deductibles
Removing useless floaters from your policy
Bundling two or more policies to get a discount

Here’s another table showing the cost of companies we recommend for cheap personal trainer insurance:

	Cost per Month	Cost per Year	Best for
NEXT	$6	$72	Best overall; Fastest general liability insurance for personal trainers
CoverWallet	$8	$96	Personal trainer insurance quotes comparison online
Tivly	$10	$120	Comparing personal trainer insurance quotes over the phone
Thimble	$11	$132	Short-term personal trainer insurance
Hiscox	$12	$144	Personal trainer insurance with cyber liability coverage
NASM	$14	$168	One-on-one personal trainers, small group fitness instructors, online personal trainers
ACE	$18	$216	Great for group fitness instructors, dance or Zumba instructors, or trainers who work in a large gym
GEICO	$20	$240	Online personal trainers, group fitness instructors, and one-on-one trainers
USAA	$23	$276	Any personal or group fitness instructors. Any online personal coaches
Philadelphia	$26	$312	Any private or group personal trainers. Online trainers can apply for custom policies
Marsh	$31	$372	Large group fitness instructors, specialty fitness instructors
Markel	$32	$384	Specialized insurance policies for personal trainers and fitness instructors

Find the best personal trainer insurance by comparing quotes. Use our online quotes comparison tool. Click the “Get Quotes” button to start.

Best Personal Trainer Insurance Companies

Let’s take some time to look over the best personal trainer insurance companies. Know the pros, cons, and pricing for a $1 million general liability coverage by reading some of our reviews below.

NEXT 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
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 personal trainer insurance offers general liability, commercial property and workers compensation insurance. You can bundle general liability and commercial property into a business owner’s policy to save on premiums. Also, policies that NEXT offers start at the lowest amount of coverage available.

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

Average cost: $6 per month

Our rating: 8/10

CoverWallet Personal Trainer Insurance

Pros

Get insured immediately online-no waiting for the office to open and no filing in line
Cancel a policy anytime
A partner of reputable insurance companies

Cons

Not a carrier but an insurance broker selling the quotes of its partners

CoverWallet’s personal trainer insurance has four options-general liability only, general liability and commercial property, business owner’s policy with workers comp, and a custom plan. So why allow CoverWallet to insure you? This company insures you immediately, allows you to pay premiums online, and cancel a policy anytime.

Best for: Personal trainer insurance quotes comparison online

Average cost: $8 per month

Our rating: 10/10

Tivly Personal Trainer Insurance

Pros

Call and compare personal trainer insurance quotes over the phone
Responsive customer service
A partner of reputable insurance companies

Cons

You need to call to get a quote

Tivly's (formerly CommercialInsurance.NET) personal trainer insurance program offers general liability, professional liability, workers compensation, and other business insurance policies. You need to talk with a representative to get covered. Call Tivly now to compare personal trainer insurance quotes over the phone.

Best for: Comparing personal trainer insurance quotes over the phone

Average cost: $10 per month

Our rating: 10/10

Thimble Personal Trainer Insurance

Pros

Short-term insurance for fitness and personal trainers
Get insured online
File a claim anytime anywhere

Cons

Some customers experience inconvenience while using Thimble’s app

Thimble’s personal trainer insurance includes general liability coverage and professional liability coverage. Work with this company because it allows you to get insured for only hours, days, weeks, or months.

Best for: Short-term personal trainer insurance

Average cost: $11

Our rating: 9/10

Hiscox Personal Trainer Insurance

Pros

Liability policies offer more than $2 million in coverage
Free risk management business resources

Cons

Doesn’t resolve disputes with customers well

Hiscox offers general liability, personal accident, and cyber liability insurance for personal trainers. Get insured by this company because it offers free business resources that help you mitigate risks, avoid making claims, and ultimately keep insurance rates stable and cheap.

Best for: Personal trainer insurance with cyber liability coverage

Average cost: $12

Our rating: 7/10

Markel Personal Trainer Insurance

Pros

Specialized insurance for fitness instructors and personal trainers

Cons

Expensive

Markel offers office insurance, personal accident insurance, office insurance, and other specialized insurance policies. Work with Markel if you’re looking for a company that creates insurance products tailored to the training programmes you make for clients.

Best for: Specialized insurance policies for personal trainers and fitness instructors

Average cost: $32

Our rating: 7/10

GEICO Personal Trainer Insurance

Pros

Large national brand
Claims are easy with the easy-to-use Geico app
Bundle two or more Geico policies to save money

Cons

Individual policies can be a bit pricey
Doesn't have personal liability insurance for personal trainers

Geico is one of the country’s largest insurers, so it comes as no surprise that they also provide insurance policies for certified personal trainers. The one downside of Geico is that it may be slightly more expensive than some of the other insurance company's we’ve looked at. However, these prices can often be offset by bundling your Geico personal trainer insurance with other policies such as your Geico auto or home insurance policies.

Best for: Online personal trainers, group fitness instructors, and one-on-one trainers

Average cost: $20

Our rating: 7/10

USAA Personal Trainer Insurance

Pros

Low-cost coverage
Great customer service
Reputable, military-oriented insurer

Cons

You must be on active duty or retired in the military to apply

If you are active or retired in the military, or you have a spouse who’s in the military, then you can apply for USAA’s business insurance. They offer some of the best rates on the market and are regarded as one of the cheapest personal trainer insurance providers you can work with. The one downside is that they only provide insurance for people in the military.

Best for: Any personal or group fitness instructors. Any online personal coaches

Average cost: $23

Our rating: 7/10

Marsh Personal Training Insurance

Pros

Custom plans for all fitness professionals
Policyholders aren’t required to be a part of a fitness organization
Offers public liability insurance personal trainer
Over ten years of experience insuring the fitness industry

Cons

Expensive
Only available in Australia

If your personal training business is based out of Australia, then Marsh is one of the best insurers you can work with. They have a proven record of helping personal trainers, gyms, and dance studios secure all of the coverage that they need. The biggest reason to go with Marsh is that they have a number of custom-formulated plans.

Best for: Large group fitness instructors, specialty fitness instructors

Average cost: $31

Our rating: 6/10

NASM Insurance

Pros

Easy to sign up for
Offered by NASM (where many trainers receive their certification).
Several easy-to-understand policies

Cons

May not be good for larger fitness training groups that need a broader policy

Many personal trainers receive their certification from the National Academy of Sports Medicine, or NASM. In addition to providing top-of-the-line education and certification programs for trainers, NASM has also partnered with NEXT Insurance to provide low-cost NASM personal trainer insurance.

NASM liability insurance is $14 per month for a $500,000 general liability policy. However, if you need additional coverage, then you can sign up for one of their Pro or Pro Plus plans that provide $1 million or $2 million worth of coverage.

Best for: One-on-one personal trainers, small group fitness instructors, and online personal trainers

Average cost: $14

Our rating: 6/10

Ace Personal Trainer Insurance

Pros

Discounted rates for former Ace students
Multiple options for coverage

Cons

Applicants who did not receive Ace certification may have to pay slightly higher rates.

Ace is another popular personal training certification program. In addition to transforming students into high-performing coaches, though, Ace also provides aspiring fitness trainers with simple, easy-to-understand insurance. As a former Ace student, you’ll be able to apply for a discounted rate. However, if you’ve received your certification from another program, you can still apply for Ace insurance at the company’s regular rates.

Best for: Great for group fitness instructors, dance or Zumba instructors, or trainers who work in a large gym

Average cost: $18

Our rating: 5/10

Philadelphia Insurance Personal Trainer

Pros

Custom plans for all fitness/health-related businesses
Custom plans for online fitness instructors
Coverage in the U.S. and for international business trips

Cons

No ability to bundle policies with existing auto/home policies
Doesn't offer professional indemnity insurance personal trainer

Like NASM and Ace insurance, Philadelphia Insurance has custom plans designed to cater to the specific needs of health and wellness professionals and personal trainers. Philadelphia has made great strides to improve and customize its small business insurance policies for personal fitness trainers and wellness professionals.

Best for: Any private or group personal trainers. Online trainers can apply for custom policies

Average cost: $26

Our rating: 5/10

Personal Trainer Insurance ISSA

Pros

Aids in finding coverage for personal trainers
Cheap rates from partners

Cons

ISSA doesn’t sell insurance for personal trainers

ISSA is the International Sports Sciences Association. This group offers training and certification courses for many of today’s leading CPTs. ISSA is regarded as one of the top certification programs in the country.

Upon earning their final credits, ISSA students can start their personal training business. Although ISSA doesn’t provide its own insurance for students, they are able to connect them with a number of parents that offer coverage for personal trainers.

Best for: ISSA certified personal trainers

Average cost: ISSA doesn’t sell personal trainer insurance

Average cost: 5/10