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Personal Trainer Insurance

Save up to 30% on business insurance
Fitness insurance

Personal trainer insurance policies designed to protect your business

NEXT Insurance is a one-stop shop to help you get the best personal trainer insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include: 

  • General liability
  • Professional liability (E&O)
  • Commercial auto
  • Workers’ compensation 
  • Commercial property
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Save up to 30% on personal trainer insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available online for personal trainers and save up to 10% when you bundle.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of personal trainer accidents and basic risks. You’ll have financial protection if someone gets hurt in a training session or you are held responsible for damaging property that doesn’t belong to you.
General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
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Professional Liability (e&o)

Professional Liability (e&o)

Bought by 80% of business owners like you
Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if an athlete claims you failed to provide the proper training and it affected their career, it could help cover related expenses to defend yourself or redo the job.
Professional Liability (e&o) can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
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Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if you regularly drive for business purposes, including going to multiple locations to train with clients.
Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
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Workers' Compensation

Workers' Compensation

For self-employed business owners and those that hire employees
Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.
Workers' Compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
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Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
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How much does insurance cost

How much does personal trainer insurance cost?

Personal trainer insurance costs vary based on the risks that your business faces, such as:

  • The types of projects you work on
  • Where your projects are located
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work
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Personal trainer insurance requirements

Personal trainers are almost always required to have insurance due to the risk of fitness-related injuries and incidents. You might need insurance to:

  • Win new business. Clients might ask you to have active insurance — usually general liability.
  • Hire employees. Most states require workers’ compensation. 
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
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Everything you want to know about Insurance

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 does business insurance protect personal trainers?

Our personal trainer insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

You accidentally drop a dumbbell at a client’s house and damage a wood floor. The general liability coverage in your insurance package would help pay for repairs.

Accidents that hurt someone

A client needs medical care after tripping and falling off a treadmill. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes 

You didn’t include a warm-up in a class and a student accuses you of causing an injury. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. 

Workplace injuries 

You have to take a week off after slipping on a wet locker room floor and straining your calf muscle. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.  

Injuries and damage involving your business vehicles

You accidentally damage your client’s fence backing out after a session at their house. Commercial auto insurance will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Damage to your own property

Your training equipment is stolen from the gym. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado 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 Hello@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?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details. If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?” If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Certificate of Insurance

Need a fast certificate of insurance?

Get covered in just a few clicks and have your COI in hand. Get Instant Quote