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.
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.
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
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
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)
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
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!
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.
Easy to enroll.
Christopher M.
Personal Trainer
Best insurance in the area
Victor L.
Fast easy and affordable
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
Most Popular
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$2 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
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.
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.
Personal trainer insurance FAQ
If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.
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.
Are personal trainers required to have insurance?
In many cases, gyms, studios and some individual clients will ask for a certificate of insurance (COI) before working with you. This proof of coverage shows you have active personal trainer insurance and meet coverage requirements.
What type of business insurance do personal trainers need most?
Most personal trainers start with general liability and professional liability insurance. General liability could cover injuries (to non-employees) and accidents during sessions, while professional liability could cover claims tied to your training.
Depending on how you run your business, personal trainers could also benefit from workers’ comp if they have employees; commercial property insurance if you own equipment or rent or own a training space; a Business Owner’s Policy (BOP insurance) which bundles general liability and commercial property coverage into one package; or commercial auto if you regularly drive your car to work.
Get a free instant quote to learn which coverage would provide the best personal trainer insurance for your business.
What’s the difference between General Liability insurance and Professional Liability for personal trainers?
A general liability policy could cover accidents that happen during a session. Professional liability (also known as errors and omissions or E&O insurance) could cover claims around how you train.
If a client says your coaching caused an injury or didn’t meet expectations and they suffered financial loss as a result, you could be liable for the legal costs of a defense – even if the claim is found not to be true.
Compare professional liability to general liability insurance.
Do personal trainers need business insurance if they work out of a gym?
If you train in a gym, you’re usually responsible for your own insurance coverage. Most gyms require you to carry liability insurance and provide a certificate of insurance (COI) before you can train clients in their space.
Do personal trainers need insurance if they only train clients online?
Online coaching still carries risk. If a client follows your program remotely and claims it caused an injury, personal training liability insurance could help protect you.
Do I need insurance if I’m a self-employed personal trainer?
Being self-employed doesn’t reduce your risk. If anything, it could increase your need for liability protection because you don’t have an employer’s coverage to fall back on.
Liability insurance for personal trainers is often required to work in a gym or a studio, rent commercial space, or to get a loan for buying gear or buying a building. Even if it’s not required, it’s important to get the right coverage as a self-employed personal trainer.
Can I add a gym, studio or fitness center as an additional insured?
It’s easy to add your gym as an additional insured with ERGO NEXT. Just log in to your account to request a certificate of insurance (COI) and you’ll receive it instantly.
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, what type of events you sell at, 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 a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
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’ll contact you shortly to go over the details. Our support team is standing by to help.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
