Does Personal Trainer insurance cover client medical bills?

Find out how personal trainer insurance can help to protect you and your clients if an accident happens during a personal training session.

David Granahan - Writer for NEXT Insurance
By David Granahan
Michelle Meyer - Editor for NEXT Insurance
Edited by Michelle Meyer
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Published June 20, 2023.

Client injuries are probably foremost in your mind during personal training sessions. It only takes one misstep to cause serious damage — and that goes for both you and your client. Fortunately, if an accident does happen, personal trainer insurance can help you cover medical bills.

Personal trainer coverage for client medical bills

When it comes to covering client medical bills, personal trainer insurance offers two main types of coverage: general liability insurance and professional liability insurance.

General liability insurance can help pay for the medical costs of someone other than an employee (e.g., your clients). If an employee gets hurt, a workers' compensation policy can help cover their medical bills.

Professional liability insurance can also give you relevant coverage. Say your client suffered bodily injury because you provided improper instructions. For example, you didn't correct your client's form or suggested that they lift heavier weights than they should have in the gym. If your client accuses you of negligence, professional liability can protect you against misrepresentation and help with legal costs.

» Still unsure whether you need insurance? Delve deeper into why personal trainer liability insurance is necessary

Get the insurance coverage you need

Because of your profession as a personal trainer, clients getting hurt during a training session is an inherent risk. So, it's essential that you have the right insurance coverage to protect your business.

With NEXT, you can get affordable, customizable business insurance that can include extra policies according to your business needs. Apply online for a quote in less than 10 minutes. You'll have instant access to your certificate of insurance once you purchase coverage, and you can share it 24/7 with the NEXT app.

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