Personal Trainer Insurance Pennsylvania
The best personal trainer insurance for Pennsylvania fitness professionals is fast, reliable, and affordable. From Pittsburgh to Philadelphia, Insurance Canopy has you covered.
What Does Personal Trainer Liability Insurance Cover?
Insurance Canopy’s personal trainer insurance covers third-party claims of:
- Bodily injury
- Property damage
- Unmet expectations
- Professional mistakes
- Damage to premises rented
- Personal and Advertising Injury
- Medical expenses (regardless of fault)
Get affordable personal trainer insurance that provides strong and comprehensive coverage for common claims in the fitness industry.
Do Personal Trainers Need Insurance in Pennsylvania?
The Keystone State may not legally require trainers to carry liability insurance, but it is strongly recommended, and many fitness facilities require it. Plus, personal trainers do need insurance to help protect themselves and their business.
Benefits of Insurance Coverage:
- Protects your business financially
- Signals to clients that you’re prepared in case of accidents
- Meets common insurance requirements at gyms, studios, and fitness centers
- Maintains your trainer certification with certain organizations
- Focuses on supporting clients through every rep, set, and session!
Personal Trainer Insurance Requirements in Pennsylvania
If you’re a self-employed personal trainer or if you’re considered an independent contractor (not a W2 employee) at a facility, you need:
- General Liability Insurance
- Professional Liability Insurance
- Products-Completed Operations Coverage
- Personal & Advertising Injury Coverage
- Damage to Premises Rented to You Coverage
- Medical Expenses Limit
Insurance Canopy bundles all of these essential coverages into one easy policy — so you can focus on helping other Pennsylvanians through their fitness journeys.
How Much Does Personal Training Insurance in Pennsylvania Cost?
With Insurance Canopy, Pennsylvania personal trainer insurance costs as low as $15 a month or $159 a year.
Some insurance companies increase your costs based on your location, experience, or the type of fitness you teach. Not us! No matter which side of Pennsylvania you’re on, our base policy is a flat rate for all personal trainers, created with transparent pricing and optional add-ons designed to fit your budget.
About Insurance Canopy’s Insurance for Pennsylvania Personal Trainers
- Coverage backed by an excellent-rated carrier
- Instant insurance with an easy online purchase
- Affordable monthly or yearly payment options
- A comprehensive base policy with optional add-ons
- Occurrence-based coverage* for long-term protection
- 24/7 online policy management via user dashboard
- Coverage for 100+ training styles, including mobile training**
- Licensed insurance agents who don’t work on commission
- Free resources to help grow your business!
*All new policies purchased after July 1, 2024 include occurrence-based coverage.
**Currently not for sale in Missouri
Personal Trainer Insurance Reviews
Get covered in Pennsylvania with top-rated insurance!
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
Coverage Details
General & Professional Liability Limits
The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage as a result of your business operations or professional services. For example, someone slips in your studio or is injured during a workout you were leading.
$3,000,000
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.
$3,000,000
The amount your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$0
Optional Add-Ons
Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are a permanent part of the structure. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.
$1.33 – $10.67/month
$8.25/month
Coverage for additional services you offer clients, such as diet guidelines, meal plans, or the sale/recommendation of health supplements. These services are not covered by professional liability and require Diet & Nutrition Coverage.
$6.83/month
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$15–$30/year
Coverage for defense costs if you’re wrongly accused of sexual harassment or improper conduct.
$10.33 – $14.46/month
How to Get a Personal Trainer Insurance Quote in Pennsylvania
Start working as an insured CPT (certified personal trainer) in Pennsylvania in under 10 minutes.
- Select “Get a Quote.”
- Customize your policy with add-ons.
- Tell us about your business.
- See your instant quote in the app.
Buy your policy online and get instant proof of insurance — it’s that easy!
FAQs About Personal Trainer Insurance in Pennsylvania
If a client files a claim and you don’t have insurance, you’ll likely have to pay for legal fees and damages out of your personal finances.
This means that even one claim could be enough to bankrupt you and your small business.
- You’re running a circuit class in Philly when your students get distracted by a camera crew filming a Gritty promo. Your clients collide, which causes several falls, cuts, and sprains. Now they want you to cover their Urgent Care visits.
- During a 1:1 session at a rented space in Harrisburg your client accidentally breaks a mirror. The gym expects you to replace it.
- You’re teaching a sport conditioning class in Pittsburgh when a client drops a dumbbell on their foot and wants you to pay for their medical expenses.
Yes! If you’re a personal trainer based in Pennsylvania, you’re covered for online training sessions. Your coverage follows you so that you can train confidently, whether online, in a client’s home, or at the gym.