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 can help you pay for:
Professional Liability insurance for personal trainers
Coverage for professional mistakes and claims of negligence
professional liability can help you pay for:
Workers’ Compensation insurance for fitness trainers
Coverage for work-related injuries and illness if you have employees
workers compensation can help you pay for:
Commercial Property insurance
Coverage for the equipment and space you rely on to train
commercial property can help you pay for:
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.
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?
- 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?
What type of business insurance do personal trainers need most?
What’s the difference between General Liability insurance and Professional Liability for personal trainers?
Do personal trainers need business insurance if they work out of a gym?
Do personal trainers need insurance if they only train clients online?
Do I need insurance if I’m a self-employed personal trainer?
Can I add a gym, studio or fitness center as an additional insured?
What do I need to get an insurance quote online?
How can I get a certificate of insurance (COI)?
How do you file an insurance claim with ERGO NEXT?
