What kind of insurance do I need as an online fitness trainer?

Even though you operate virtually, your online fitness training business still needs insurance. Consider these policies to protect your business.

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 5, 2023.

As an online fitness trainer, you may not have a physical gym or studio, but that doesn't mean you're immune to risks. You still interact with clients virtually, provide advice and guidance and sometimes demonstrate exercises.

This exposes you to potential liabilities such as client injuries, property damage claims and even allegations of negligence. But you can protect your business if you have the right insurance coverage for personal trainers. Here are some insurance policies that may be worth considering:

  • Liability insurance
  • Workers' compensation
  • Commercial property insurance

1. Liability insurance





General Liability insurance

General liability insurance is fundamental for fitness trainers because it can shield you from third-party claims. If a client injures themselves during an instructional training session and decides to take legal action, general liability insurance can help cover subsequent expenses. This can include:

» These are the most common fitness business insurance claims you need to know about

Professional Liability insurance

Professional liability insurance, also known as errors and omissions (E&O) insurance, is designed to protect professionals who need to take their clients' physical safety seriously — like online fitness trainers.

If a client claims your advice or guidance caused them harm or failed to deliver expected results, E&O insurance can help cover legal fees and potential settlements. It can cover claims arising from:

  • Alleged negligence
  • Incorrect advice and mistakes you make

» Still unsure whether liability insurance is necessary? Discover more details here

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2. Workers' Compensation

If you have employees working for your online fitness training business, workers' compensation insurance is essential. You not only protect your employees but also shield yourself from potential lawsuits. It can provide coverage for employee-related costs like:

  • Medical expenses
  • Rehabilitation costs
  • Lost wages as a result of work-related injuries or illnesses

3. Commercial Property insurance

Even though your fitness training business is online, you may still have equipment or assets you need to complete your work. Commercial property insurance can help protect these assets from perils such as fire, theft or damage. It can cover items like:

  • Laptops
  • Cameras
  • Fitness equipment like weights, yoga mats, etc.

Proper insurance coverage for online fitness trainers

To give your online fitness training business the best protection, you need the right insurance coverage so you're ready for almost any unexpected event.

NEXT can help you put an affordable insurance plan together that's specifically tailored for you. Just answer a few questions online and receive your quote within minutes. Once you've purchased your coverage, you can instantly access your certificate of insurance and share it with others via the NEXT app.

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» Here's how to get personal training clients and grow your business