Personal Trainer Liability Insurance
Quotes for personal trainers are for liability coverage, which provides protection against claims arising from bodily injury or property damage to others. Having insurance for the life of your career is important, because you can be exposed to a lawsuit even years after injury has occurred.
Many gyms and facilities will require you to provide your own insurance, but some may cover you under their own policy. Be sure to find out if they cover you while training at their facility.
Insurance for certified fitness trainers begins at $125 per year. Non-certified personal trainers’ insurance begins around $190 to $220 per year.
How to Apply
We offer two programs for insurance for personal trainers. Read below to determine if one policy might be better for you than the other.
If either of the characteristics below describe you, apply for Program A.
- You need a higher aggregate limit than $1M. Check your contract for requirements.
- You’d like coverage for additional modalities beyond Exercise/Fitness/Personal Training, such as yoga or dance.
If Program A doesn’t apply to you, you can use Program B. Below are characteristics that describe the trainer that Program B is best for.
- You are a permanent resident of the U.S., but need coverage outside of U.S., such as if you teach on a cruise ship or otherwise conduct classes outside the U.S.
- You need a higher per-occurrence limit than the $1M that Program A offers. Check your contract with the facility you are teaching at to see if they specify a per-occurrence requirement.
If none of the above characteristics apply, we recommend filling out both applications so you can compare coverage and cost.
Q: If I do personal training out of my home, will I be covered?
A: Not under the Personal Training insurance. For training out of your home, you need a Fitness Studio policy .
Q: I have a partner. Is (s)he covered under this policy also?
A: No, he or she will need to purchase a Personal Trainer Liability Insurance policy of their own.
Q: Do I have to be certified to get coverage?
A: No, however most personal training certifications make you eligible for a premium discount.