Personal Trainer Insurance

Personal trainer insurance requirements include general and professional liability insurance to cover the most common claims you might face. These main insurance types can pay for claims of injuries, illnesses, or property damage.

Find the insurance you need by state, or create a customized personal trainer liability policy to fit your business’ needs:

General Liability (Public Liability) helps with claims of injuries or damages caused by your business. If someone trips over extra gear lying on the ground or accidentally drops weights during a session, you may be covered for the resulting costs.

Professional Liability (Malpractice Insurance) may cover claims of injuries or damages caused by the services you offer. This could be a client getting hurt while lifting weights or accidentally breaking a machine during a session.

Gear & Equipment (Inland Marine) is an optional coverage you can add to your policy for only $1.33 per month! It helps to insure movable property you use as part of your business, like workout equipment used during classes or filming gear used for virtual sessions.

Medical Expenses is a no-fault coverage limit on your policy that may apply to medical bills, funeral expenses, emotional damage, loss of income, and similar expenses that arise from accidents related to your business or services.

Occurrence Form Coverage is automatically included in all our policies, offering trainers lifetime coverage for claims related to accidents during your policy period. If a client is hurt and years later has medical complications related to their injury, you can still file a claim.*

Property Damage (Damage to Rented Premises) offers protection for buildings and their contents in case of loss or loss of income-producing abilities. The damages or losses are covered if sustained through an event such as a fire or explosion.

Get Customized Personal Trainer Insurance

Imagine you’re training a client and they accidentally fall off a treadmill and damage a wall. The gym owner says you need to pay for the repairs, so you file a claim with your insurance to have help covering the repair costs to the wall and for the injuries to the client.

In another scenario, let’s say you’re an online trainer who makes fitness videos for people who work out at home. Someone is following along to your video when they pull a muscle and need physical therapy to recover. They want you to pay for their medical bills because they blame their injury on your advice. You could file a claim with your insurance to have help covering this expense.

Our personal trainer insurance may cover claims examples like these (and more).

Read More Claim Examples

An additional insured is another person or organization who could be named in a claim caused by your negligence. Some written contracts or employment agreements may require you to add them as an additional insured.

You add additional insureds to your policy to extend coverage to them in the case of a claim. If you are responsible for an accident, but more than one party is being held liable, you and your additional insured(s) could be covered.

Some examples of additional insureds include:

• Gyms
• Property managers
• Franchises
• Businesses
• HOAs
• Event centers
• Health & wellness centers

One additional insured is $15, but for just $30, you can add an unlimited amount of additional insureds to your policy.

Whether you need freelance personal trainer insurance to meet gym requirements, or you simply want to build trust with business partners, listing additional insureds is a great way to ensure all relevant parties are covered.

Start Your Application

You get to choose what day your policy will start. This is the day your insurance will go into effect. You can select today as your start date and enjoy instant coverage from Insurance Canopy.

You can log on to your dashboard to access your Certificate of Insurance, edit any personal or business information, review your coverage details, contact our agents with questions, and more. This allows you to access your account and view your documents wherever you are.

On your online dashboard, you will also find an insurance “site seal” you can display on your website, print on your business cards, or show in your office. It can help your business become more credible and set you apart from the competition.

Get Started Today

Absolutely! Insurance Canopy makes it easy for you to get personal trainer insurance on a monthly basis. Simply select your payment type at checkout and enjoy flexible coverage (starting at $15/month!) that fits your business needs.

Remember: You can save long-term by making one annual payment. It’s a hassle-free way to make sure you’re covered throughout the year, too. 

Find customized personal trainer insurance that keeps up with you — every rep, every session, every month!

Get Monthly Personal Trainer Insurance