Personal Trainer Insurance

Save up to 25% on personal training insurance.*

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Personal training insurance can help protect you from

The cost of injuries to non-employees

A client suffers an injury during a session and blames you for damages.^**

Property damaged during a session

Freeweights accidentally go flying at a gym or a client’s home and you’re asked to pay for damages.

Accusations of professional mistakes

A client claims that your instruction wasn’t what you’d promised, and the error has a cost.

Medical bills for injured employees

A trainer you’ve hired injures their back and can’t work – and your business is responsible for their medical bills and lost wages.

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Get personal trainer insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Personal trainer liability insurance could help protect you, your company and your employees from the cost of unexpected events.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

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ERGO NEXT specializes in fitness trainer insurance

The best personal trainer insurance is usually several types of policies that help protect you, your business and your employees from different types of business risks. Your coverage may include:

Personal trainer General Liability insurance

Protection for damage to other people's property and injuries to non-employees

General liability is the most common insurance for a personal trainer. Many gyms and studios require proof of liability insurance before they’ll let you train in their space — but coverage matters even if it’s not required. If a client gets hurt during a session or something goes wrong and you’re blamed, general liability insurance could help cover medical expenses and legal fees.

general liability can help you pay for:

Injuries to clients at your gym or studio

Accidental damage to someone else’s property

Legal defense and settlements

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Professional Liability insurance for personal trainers

Coverage for professional mistakes and claims of negligence

A client claims that your training led to an injury and financial losses. Professional liability insurance (also known as errors and omissions insurance, or E&O) could help you legally defend yourself against these types of accusations. If an athlete claims you failed to provide proper training which negatively affected their career, professional liability could help cover related expenses.

professional liability can help you pay for:

Claims that your professional negligence caused harm

Legal defense costs if you need to respond to a claim

Legal judgments

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Workers’ Compensation insurance for fitness trainers

Coverage for work-related injuries and illness if you have employees

If you employ trainers or staff — even just part-time — workers’ comp insurance is required by law in most states. This type of insurance could help cover medical costs, rehabilitation and lost wages for employees who get injured while working. And if you’re self-employed, you have the option to get workers’ comp coverage for yourself, which could help if you’re injured on the job and unable to train clients.

workers compensation can help you pay for:

Medical expenses after a work-related injury

Lost wages during recovery

Employer liability claims (optional add-on)

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Commercial Property insurance

Coverage for the equipment and space you rely on to train

Commercial property insurance could help protect the space you rent or own for business, along with the work equipment you rely on every day. If your gear or training space are damaged by a covered event like a fire or theft, this type of business insurance policy could help cover costs.

commercial property can help you pay for:

Damaged equipment or business property

Lost income after a covered event

Ongoing operating expenses

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ERGO NEXT Insurance reviews

For Personal Trainers AND Yoga Instructors

There might be a fair amount of insurance providers who provide coverage for both, but Next was the quickest to respond! The process was super straight forward and understandable.

Edward S.

The Best!

This insurance company is Awesome, very good customer support, and it’s the cheapest so you pay less, highly recommended!

Shereen S.

I’m a brand new customer

Great service so far!

Maria P.

Easy

It was easy to get insurance. Plus you can choose between monthly payments and annual payments. I love that! And you can use a credit card if you want to. Easy!

Berny K.

Great!

Tony P.

Next Insurance for Liability Personal Training

It was easy to sign up and a great price for Personal Training Liability Insurance

Lorraine B.

Owner

Agent service was excellent

Mark B.

Easy to enroll.

Christopher M.

Personal Trainer

Best insurance in the area

Victor L.

Fast easy and affordable

Samuel J.

Save up to 25% in discounts on personal training insurance

Pay monthly or annually, and you can cancel at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

Pro

How much does personal trainer liability insurance cost?

Premiums for liability insurance for personal trainers are more affordable than you might think. The exact price you’ll pay for your business insurance cost depends on a number of factors, including:

Where you train clients (in a gym, at their home, outdoors or online)
Whether you work one-on-one or run group sessions
If you hire other trainers or staff
Your annual revenue
The coverage limits and deductible you choose
Your insurance claims history

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your business.

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How can insurance for a personal trainer help your business?

You might need personal training insurance to:

Train at gyms or studios. Most gyms and fitness studios require a certificate of insurance (COI) before you can work with clients in their space.
Protect yourself if a client gets hurt. If a client is injured during a session, liability insurance could help cover medical costs and legal fees.
Cover claims tied to your coaching or programming. If someone says your workout plan or training advice led to an injury, liability insurance could help you legally defend yourself.
Protect the equipment you need for work. If your weights, bands, mats or other gear are stolen or damaged, insurance could help replace them.
Hire other trainers or staff. Most states require workers’ comp insurance for small businesses with employees, even if you just hire part-time staff.
Drive to the gym or client site. If you regularly drive to sessions, you may need commercial auto insurance.

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Frequently asked questions about personal trainer business insurance

Here are some of the most common questions we get about personal trainer insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How can business insurance help protect personal trainers?

With the right coverage, you could be protected from financial losses related to:

Damage to someone else’s property. You accidentally drop a dumbbell at a client’s house and damage a wood floor. General liability coverage could help pay for repairs.
Accidents that hurt someone. A client needs medical care after falling off a treadmill. Your liability coverage could help pay for medical costs and legal fees, if needed.
Workplace injuries for employees. Your hired trainer slips on a wet floor and injures their calf muscle. Workers’ comp, required by law in most states if you have employees, could help cover medical bills and lost wages.
Damage to your own property. Your training equipment is stolen from the gym. Property insurance could help with costs if your owned or leased property is damaged due to a covered event like theft, fire or vandalism.

Do you cover online training? Other companies I have looked at cover online training as well.

Yes, our personal trainer policy does cover most forms of online training. In order to assess whether or not your model of online training is eligible for coverage on our policies, please call us at 855-222-5919 or email us at support@nextinsurance.com.

I need to add my gym as an additional insured. How do I do this?

To add your gym as an additional insured, go to nextinsurance.com and use the “Proof of Insurance” button in the top right corner. Once you log in using your email and zip code, you will be sent a verification code that will then allow you two options, a general-use certificate or a certificate listing a gym or studio. Choose the second option, enter the name and address, and the document will be delivered in a matter of seconds!

Is the policy good if I teach at multiple gyms?

Yes, your policy covers you for as many locations as necessary.

Where am I covered to train with this policy?

The policy goes wherever you train in the U.S., including your own home. It does not include standalone gym locations where you are the primary leaseholder.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How can I get a certificate of insurance (COI)?

Once you have an ERGO NEXT policy, you’ll have instant access to your certificate of insurance 24/7 via web or app. Log in to your account and download your COI, or have it delivered via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them. Make changes to your coverage and your COI updates automatically.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.