Insurance for Personal Trainers

Lift your fitness business to greater heights

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Pay monthly, with amazing prices and absolutely no extra fees


Your business insurance coverage is designed to meet your needs

Move Your Business Forward

Personal trainer liability insurance allows you to train customers in your studio, a gym, or online, without fear. It gives you the insurance coverage you need working in a highly-demanding, physical job where you come in close contact with customers on a regular basis. Show your next customer or gym that you carry fitness instructor insurance by quickly downloading our Certificate of Insurance online. You can even add any gym as an Additional Insured before you download it with no fees, ever.

Focus on Your Goals

Go ahead and book that big job, or think about expanding into the next county; we've got your personal training insurance covered, so you can work on what matters to you: your business. With $0 deductibles and no extra fees, our personal trainer liability insurance is designed to meet your specific needs. You can even cancel instantly, online, anytime.

Simple Monthly Payments

Cash flow trouble? Our payment plans allow you to pay your personal training liability insurance premium on a monthly basis, starting at just $11 per month, so you can keep your business running and insured at the same time. Of course, we don't charge any extra fees if you choose that option.

Lift Your Business to Greater Heights

Starting at $11 per month


Starting at $11 per month

General Liability

$500,000 limit
$0 deductible

Optional nutrition/dietary supplement: $100,000 limit


Most popular

Starting at $14 per month

General Liability

$1,000,000 limit
$0 deductible

Optional nutrition/dietary supplement: $250,000 limit

Pro Plus

Starting at $16 per month

General Liability

$2,000,000 limit
$0 deductible

Optional nutrition/dietary supplement: $1,000,000 limit

All plans include Professional and General Liability coverage

  • Bodily Injury

    Your client tears their ACL during a session, and they sue you for $100,000.

  • Unhappy Clients

    Your client doesn’t meet their fitness goals and blames you. They sue you for not providing the amount of instruction they expected of a personal trainer.

  • Sexual Misconduct

    Your client sues you for touching them inappropriately during a session, even though you absolutely didn’t. As a result, you incur legal costs to defend yourself.

  • Harmful Dietary Advice

    You recommend a protein powder that causes an allergic reaction, and your client spends the night in the ER. They ask you to pay the $3,000 medical bill.

This is a brief summary of your policy and does not supersede the policy documents. If you want full details, please call us.

Got questions? We've got answers.

Do I have to pay the entire annual premium now?

No, to make it easier on your budget we allow you to make monthly payments. Of course, there's no extra fee for paying monthly.

How do I get a Certificate of Insurance?

We provide you unlimited certificates of insurance, free of charge. Once you've purchased a policy, log in to our website to get proof of insurance or add an Additional Insured. In most cases, you'll get your certificate within minutes. Otherwise, we'll email it within one business day.

Do personal trainers need to be insured?

Yes. Most gyms require their trainers to show proof of insurance before being hired. Whether working as a gym employee or freelance trainer, being covered is vital against sudden legal issues such as client injury, harmful nutritional advice, or even allegations of sexual impropriety. Not fun, but hey – it happens.

What does the personal trainer insurance policy cover?

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

How do you become a certified personal trainer?

Becoming a certified personal trainer requires time, hard work, and some financial investment. NASM certification takes a minimum of 10 weeks, and includes intensive studying of fitness, nutritional, and anatomical subject matter. For a detailed tutorial on all the steps involved, see our online guide.

Who Trusts Us?
Small Businesses Like You

Rated 4.8 out of 5 stars, based on 121 reviews.

I investigate several professional liability insurance companies, including 2 with discounts for members of my certifying organization. No other company came close to offering the high coverage- low price of nextinsurance. Matching the great product deal for me was the very attentive customer service.

Amy M.

When I called Next Insurance they advised me on what package would work best for me and answered all my questions clearly. They were kind and spent a good time going over what I was getting for my insurance. Making one more part of my business easier, safe and affordable. Thanks you Next Insurance!

Lauren S.

Next insurance is not only affordable it’s a smart investment for my personal training and group instructor career!

Paulette C.

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