Personal Trainer Insurance

Quotes for personal trainer insurance 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.

Because trainers often give their clients health-related advice, they need to have protections in place. Instructors should obtain  personal trainer insurance to safeguard them in case something does not go as planned with a client’s training. This can include injuries suffered during a workout, harm caused by equipment, or any chronic pain that may emerge from a workout session.

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.

Why Trainer Insurance Matters So Much

Fitness insurance for personal trainers is critical for a number of reasons. An independent fitness trainer insurance policy can provide additional protection from liability in the event that an employer’s policy does not cover you. Injuries that occur at a client’s home or somewhere else outside the gym may also require extra coverage. If anything goes wrong during a personal training session, you may be held responsible and could become embroiled in a lawsuit with the potential to ruin your career even if you were not at fault.

What Is Liability Insurance?

Liability insurance for trainers offers protection in cases where they may be held liable for injuries, negligence, or property damage. For example, if workout equipment used in a gym damages someone else’s property, the trainer could be held responsible. These insurance policies may also shield trainers from accusations of negligence when providing instruction.


Insurance for certified fitness trainers begins at $125 per year. Non-certified personal trainers’ insurance begins around $190 to $220 per year.

Choose Your Coverage

Dance Studio Insurance provides two options for personal trainers. If you are considering investing in coverage, take a look at the programs below and choose the one that best fits your specific circumstances. Then fill out the application form or contact our knowledgeable representatives if you have any questions.

Personal Trainer

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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.

Program A

If either of the characteristics below describe you, apply for Program A.

  1. You need a higher aggregate limit than $1M. Check your contract for requirements.
  2. You’d like coverage for additional modalities beyond Exercise/Fitness/Personal Training, such as yoga or dance.
Get a Quote

Program B

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.

  1. 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.
  2. 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.
Get a Quote

If none of the above characteristics apply, we recommend filling out both applications so you can compare coverage and cost.

Common Questions

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.