Personal trainers, similar to fitness instructors, help people tone their bodies to improve mood and alleviate existing bodily conditions. They conduct classes in private gyms or the usual gyms in towns and cities. Some also conduct online fitness sessions.
Consider getting insured as a personal trainer. Think about it, while crossfit training, your student might not be able to handle the weights and faint. The portable gym equipment you own can also get lost while you’re hanging out in the local coffee shop. Last but not the least, a gym might ask for proof of insurance before admitting you into their premises.
Personal trainer insurance is a specialized program that offers you comprehensive general liability insurance, professional liability insurance, and more. Read this guide to know the cost of premiums, the function of each policy, and the best companies that offer affordable personal training insurance.
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.
“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 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.
Get all the best quotes from leading providers in a click of a button!
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.
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.
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.
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 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.
| 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.
Get all the best quotes from leading providers in a click of a button!
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.
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
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
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
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
Call and compare personal trainer insurance quotes over the phone
Responsive customer service
A partner of reputable insurance companies
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
Short-term insurance for fitness and personal trainers
Get insured online
File a claim anytime anywhere
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
Liability policies offer more than $2 million in coverage
Free risk management business resources
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
Specialized insurance for fitness instructors and personal trainers
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
Large national brand
Claims are easy with the easy-to-use Geico app
Bundle two or more Geico policies to save money
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
Low-cost coverage
Great customer service
Reputable, military-oriented insurer
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
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
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
Easy to sign up for
Offered by NASM (where many trainers receive their certification).
Several easy-to-understand policies
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
Discounted rates for former Ace students
Multiple options for coverage
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
Custom plans for all fitness/health-related businesses
Custom plans for online fitness instructors
Coverage in the U.S. and for international business trips
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
Aids in finding coverage for personal trainers
Cheap rates from partners
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
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!
It really can't get any better than this... wow
Not all those who wander are lost.
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