Personal Trainer Insurance

Elevate Your Credibility with Personal Trainer Liability Insurance

Save an Additional 14% with an Annual Plan

Professional Liability Insurance For Personal Trainers

Insurance Canopy provides affordable, A+ rated personal training insurance. With general & professional liability, our personal trainer liability insurance covers most exposures associated with personal training and fitness instruction. Trusted by thousands, our policies help you meet or exceed most insurance requirements—helping you to stay protected in almost any place you choose to train.

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Flexible Payments

Flexible payment options allow you to pay a monthly price of $12.50 for personal trainer insurance, or save 14% with an annual price of $129.

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Instant Coverage

With our online application, you can purchase a personal trainer liability insurance policy in 10 minutes or less.

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Personalized Policies

Our comprehensive coverage offers personal training insurance protection for private trainers, student trainers, virtual trainers, gym trainers, and more.

What is Personal Training Insurance?

Personal trainer insurance provides coverage for accidents that can occur during a personal training session, such as bodily injury or property damage. It can also cover any costs to repair or replace damaged or stolen equipment and gear. You can add additional insureds to your policy, allowing you to train clients in a variety of locations like gyms, private studios, corporate offices, spas, online, and more.

Insurance Canopy’s policy includes general and professional liability insurance, online personal training insurance, and personal trainer public liability insurance. Full time, part-time, and student trainers can all receive coverage under our policy for just $12.50 a month.

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Why Do I Need Personal Trainer Insurance?

No matter how careful you are while training, accidents will happen—and that’s okay! Having personal training liability insurance can make handling accidents and claims easier. If someone hurts themselves during a training session or accidentally breaks your equipment, you can relax knowing Insurance Canopy has your back.

In addition to becoming a certified trainer, having insurance shows clients and gym owners you take yourself seriously as a trainer. You can easily show them your Certificate of Insurance and add them to your policy as an additional insured. If you offer nutrition or dietary advice as part of your services, you can add our nutrition endorsement onto your policy and be protected against claims your advice caused a client harm.

Enjoy financial peace of mind and train your clients with confidence with fitness trainer.

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What Types Of Training Does Personal Trainer Insurance Cover?

Insurance Canopy extends coverage to trainers who work with clients in a variety of practices. These can include:

Don’t see your training styles? Give us a call at 844-520-6993 to see what we can do for you.

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Coverage Details

1 Additional Insured - $15 | Unlimited Additional Insureds - $30

General & Professional Liability Limits  
General & Professional Liability 
The most your policy can pay 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.
Products & Completed Operations Aggregate 
This is the maximum amount your policy will pay for claims of bodily injury or property damage due to an incident that occured with a product during or after your class. For example, a pulled muscle from an exercise or a client accidentally breaking a machine.
Personal & Advertising Injury 
The amount that 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
General & Professional Liability Each Occurrence 
The maximum amount paid per incident during the term of the policy due to business operations and professional services.
Damage to Premises Rented to You 
Applies to damage by fire to premises rented to you and to damage, regardless of cause, to premises (including contents) occupied by your business for 7 or more days.
Medical Expense Limit 
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.
Endorsements and Additional Coverage  
Inland Marine / Business Personal Property 
Also known as Business Personal Property Insurance, Inland Marine Insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure. This coverage is considered an additional policy that you can opt in for as part of your General Liability Policy. See the application for additional coverage details and costs.
Cyber Liability 
Also known as Business Personal Property Insurance, Inland Marine Insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure. This coverage is considered an additional policy that you can opt in for as part of your General Liability Policy. See the application for additional coverage details and costs.
This is the amount we deduct from a claim before paying up to your policy limits.
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Protect Against Risk With Personal Trainer Liability Insurance

You might not be aware of the types of claims you could face while training your clients, but the truth is accidents can and do happen. Fitness trainer insurance can help you be protected against the worst case scenarios.

  • Tools and Equipment Insurance offers you protection for any gear you have in transit or in storage at your facility where you work.
  • Medical Expense Coverage is a good-faith portion of your insurance which could pay for the medical expenses of someone who gets injured under your training guide.
  • Property Damage Protection could cover the costs of accidental damages that occur to rented property as a result of your training.

Questions About Personal Trainer Insurance

Insurance Canopy offers affordable personal trainer insurance for as low as $129 per year. This base policy includes general and professional liability coverage, equipment and gear coverage, and product liability insurance.

If you don’t want to pay upfront for an annual policy, personal training insurance monthly payments can be made for as little as $12.50. You can even buy your entire policy online in 10 minutes or less—eliminating the need for any personal trainer liability insurance quotes.

While cost is an important factor when deciding which insurance policy to buy, make sure that you have the necessary coverage for your business and its operations. Insurance Canopy’s policies are top-rated and offer you the best coverage options in this price range. Don’t settle for our competitors who offer cheap personal trainer insurance with low limits. Get the coverage your business and your clients deserve with Insurance Canopy!

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General liability insurance protects you against lawsuits and the costs to repair or replace any property damages. Some of these claims could also be slip-and-fall accidents and stolen equipment incidents.

Professional liability insurance protects you in case of malpractice or negligence, meaning if you do something wrong and harm or injure your client during a training session.

Insure My Training Business

Yes. Unfortunately, accidents happen everyday due to physical activities or negligence of a personal trainer. Personal training liability insurance is an important component of your business and is designed to protect your financial assets if you were to be sued as a result of your business operations.

You could be held liable for claims that include injuries, illnesses, or damages arising from your personal training services. The legal costs alone from claims like these can be financially devastating. You also may be held liable to pay for multiple doctors visits, and any loss of income if your client is unable to work. With personal trainer insurance, you'll have the protection you need just in case something goes wrong, and avoid having to pay hundreds—if not thousands—of dollars out of pocket. Hopefully you won’t ever need to use your insurance coverage, but it is much safer for your business to have a policy in place in case anything ever happens.

Get Insured

As soon as you have filled out an online application, you receive instant personal training insurance 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 download your site seal. This gives you the opportunity to access your account and view your documents wherever you are.

Buy A Policy Today

On your online dashboard, you will find a “site seal” you can use to show your clients your business is insured. When your clients know that you have personal trainer insurance, they instill more trust in you and your business becomes more credible.

This site seal can be published on your website, printed on your business cards, or shown in your office. Use this proof of insurance to advertise your business, helping you set yourself apart from your competitors.

Get Personal Trainer Insurance

Definitely! Online personal training insurance provides coverage for virtual classes. We understand virtual classes have been on the rise and want to make sure you have coverage for your class formats.

A live virtual class, conducted via Zoom, social media, or a similar platform, is covered by Insurance Canopy’s personal trainer insurance policy. This coverage can also work for a previously recorded video such as a YouTube channel.

Insure My Personal Training Business

Having an additional insured means that you can add property management or HOA’s to your insurance policy so they can receive protection if they are named in a suit due to a covered business-related loss or claim you have caused. If you do in-home training at your house, you could add your HOA as an additional insured. Or, if you are training someone in a privately owned gym, you can add that gym as an additional insured.

In addition, a written contract, such as a venue, studio rental, or employment contract is required to add another party as additional insured. Additional insured status cannot be granted to a friend or co-worker as an extension of your policy. Each individual must purchase their own policy to obtain liability coverage.

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Of course! One additional insured is $15, whereas an unlimited amount of additional insureds is $30. You can select the amount of additional insureds you would like to add when you are filling out your personal trainer insurance application.

Start An Application
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The National Personal Training Institute (NPTI) is an industry leader in personal trainer education programs. They offer 500–600 hours of in-person training taught by highly qualified instructors. Once you receive your education through NPTI, you never need to renew or take continuing education courses, and your certification is good for life.

In order to buy personal training insurance, you need to be a certified personal trainer. NPTI can help you qualify!

Get Insured Today

Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

A trainer encourages a client who is doing pushups. The trainer can grow their business with personal trainer insurance.

Still have questions regarding liability insurance for personal trainers? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET. You can also chat with us, send us an email, or give us a call. We are happy to help!

Phone: 844.520.6993

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Personal Trainer Insurance

Annual Policies Starting at $129
Personal Trainer Insurance from Insurance Canopy offers you essential Professional Liability and General Liability Insurance so you can continue doing what you love—helping clients reach their goals.