A Complete Insurance Guide

For Personal Trainers

TLTR: This blog summarizes personal trainer insurance package options, its cost and answers relevant questions for trainers.

Personal trainer insurance protects you from lawsuits, financial losses, and accidents. If a client is injured while they’re under your fitness training it can be financially catastrophic for you. Take the example of a lawsuit represented by Block O’Toole and Murphy. The law firm won a $2.5 million settlement for a 28-year-old woman because her personal trainer’s instructions led to injuries that required her to have extensive spinal surgery.

Without insurance for trainers, you run the risk of losing your career.

In this blog

Who Needs Personal Trainer Insurance?

Approximately 460,000 reported workout or exercise injuries occur every year in the United States (Consumer Product Safety Commission).

If you’re a personal trainer, that stat should tell you all you need to know. It’s frankly foolhardy for you not to have insurance for your job. This is especially important if you’re a freelance trainer who is not an employee of a fitness center that can shield you from personal liability. Insurance is also crucial if you work on a contract basis with a fitness center. A fitness center will typically cover its employees only, and if you’re not covered you’re at risk for liabilities.

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Your Personal Trainer Insurance Coverage

General Liability Insurance: Make sure your coverage package includes personal trainer general liability insurance. This is regarded as the most important coverage, and protects you from a majority of client-inflicted lawsuits. If your client accidently requires medical attention after suffering an accident based on your instruction, this type of coverage pays for your lawyer bill, lawsuit settlement, and legal charges.

Errors and Omissions (E&O) Insurance: E&O insurance protects you when you are accused of negligence, resulting in any type of loss for your client. It also protects you from accusations that you were not able to deliver any type of fitness goal that you promised your client.

Are You Both a Personal Trainer and Business Owner?

You’ll need additional coverage options if you’re a personal trainer who is also running their own business. According to the Small Business Administration, the federal government requires businesses with employees to have workers compensation insurance. Consult with an insurance agent about bundle policy options for business owners. Bundle policy options combine multiple coverages that a typical small or large business needs to run smoothly. For example, you should have commercial auto insurance if you own a business vehicle.

Business Owners Policy (BOP): BOP bundles general liability insurance and various types of property damage into a manageable policy.


Online Personal Trainer Insurance

Traditional methods of working have evolved over time, and it’s no different when you’re a personal trainer. Digitization has notably impacted the health and fitness industry, and you can conduct personal training classes completely online. IBIS World has estimated a growth trajectory of 2.8% per year for personal training. So, what happens to your personal training insurance plan in this case?

Online personal training insurance is slightly different than traditional personal training insurance. Your risks are slightly diminished compared to in-person interactions. Online personal training liabilities occur when you haven’t performed due diligence with your clients’ biometrics, and their fitness plan causes them harm in some way.

Note: If you plan to be an online fitness trainer, you will require a Certified Personal Trainer (CPT) designation. For examination and certification guidelines, you can visit The National Strength and Conditioning Association (NSCA) website to learn more.

Cost Of Personal Trainer Insurance

Different conditions influence personal trainer insurance costs, including..

  • Fitness service: What services are included in your offering.
  • Business equipment and property: Do you own physical property that you want to insure?
  • Number of employees (if you’re a business owner): How many employees are there in your business.

The cost of personal trainer liability insurance depends on exposure, claims history and business needs. The cost also varies depending on whether you are a freelance personal trainer, working for a company, a local fitness center, or whether you own your own business.

According to Fit Small Business, personal trainer insurance can range from $400 to $2,100 annually. Personal trainers are advised to shop for quotes, speak with multiple carriers, and settle on a policy that is individually tailored for them.

If you are thinking about becoming a personal trainer, many fitness centers will ask for a certificate of insurance (COI).

Certificate of Liability Insurance

A certificate of insurance (COI) or certificate of liability insurance is your proof of insurance that you present to a company, or in your case, a fitness center. Your line of work is specialized, and it’s prone to more liabilities because you deal with the overall wellbeing of clients, and these clients handle heavy equipment and perform rigorous exercise based on your instructions. That makes you the point of contact for any liability issue suffered by the fitness center or client. A certificate of insurance can be required as a contractual obligation.


A Complete Personal Trainer Coverage Plan

Now that you’ve figured out which category of personal trainer coverage to ask for, check out the benefits of having personal training insurance!

  • Proof Of Insurance: You will instantly be covered upon signing up, and proof of insurance will be sent to you directly via email.
  • Customized Protection: A consultation with an agent ensures that all your business and personal needs are protected. You’re covered from all angles.
  • Easy Payment Systems: Insurance companies offer multiple avenues for premium payments, from PayPal to direct bank deposits.
  • Endless Benefits: Most insurance companies are well-versed in understanding personal trainer needs. We have stolen-equipment coverage plans ready to go, even fitness product discounts on select occasions!

The Bottom Line

In a precarious industry like health and fitness, it’s impossible to confidently sustain the quality of your work without reassuring coverage plans. As a personal trainer, your job is to encourage clients to push their limits and explore their strengths. This can lead to disappointments, dissatisfaction, and physical injury.

Personal trainer insurance is the best way to protect yourself from the impact of liability.

Was this blog helpful? Find a local insurance agent to help you get started on your personal training journey!

Frequently Asked Questions (FAQ)

Has COVID-19 changed personal training insurance in any way?

As with any industry, the health and fitness business saw unprecedented changes after the pandemic. If you have recently moved your business online, ensure that your coverage plan has a clause specifying that the policy applies to virtual trainers. If it doesn’t, you can ask for one. Or, you can get a separate policy entirely.

Please note that COVID-19 coverage is excluded from traditional personal trainer liability insurance packages. Ask your agent or carrier for details.

Does personal training insurance cover online class?

That’s a question for your agent. Most insurance packages have not been updated to accommodate today’s virtual climate. You don’t want to be faced with a liability lawsuit only to have your policy provider tell you they don’t cover virtual classes. Be sure to discuss it with your agent so you can obtain the right type of coverage plan.

When getting your personal training insurance, we advise you to include online personal training insurance even if you don’t plan on going virtual just yet. It’s a money-making pathway that can be available to you anytime you like, from the comfort of your home.

Please note that this insurance does not apply to prerecorded fitness videos uploaded on the internet, such as on YouTube. Again, speak with an agent to determine specific policy options.

Should I get personal training class if I am a personal training student?

You’ll need insurance sooner or later, and if you’re training on real clients, you should get it as soon as possible. The same coverage option is available for personal training students as regular professional trainers. When it comes to personal training, your experience level rarely affects rates.


Does your coverage have deductibles?

A deductible is the amount of claim you pay out of pocket if the claim exceeds the total amount of insurance on the policy. Ask an agent if your claim has deductibles. It all depends on the carrier you’re with, and the type of policy you signed up for.

Deductibles are commonly charged when your personal equipment is stolen or damaged. You need to be aware of whether the equipment was covered for its original price.

What is a general liability claim for personal trainers?

General liability (GL) claims are referred to as “slip and fall” claims. For instance, you placed a dumbbell near your client and they tripped and broke their ankle. You’re risking a lawsuit or paying for their medical expenses if you’re not covered for the GL claim. Another obvious example for any personal trainer is when you instruct your client to perform a physical exercise and they injure themselves based on your instructions.


Does a personal trainer insurance provide additional benefits or packages?

Carriers tend to have their areas of specialization. Some insurance carriers are known to have the best auto insurance policy in town, while their homeowners insurance is less than adequate. Similarly, some carriers are seasoned in personal training coverage. They will have attractive packages, including product and equipment discounts, and access to services. Always ask your agent or the insurance company if personal training insurance comes with benefits.


How do I know if my personal training insurance is sufficient?

There are important indicators of good personal training insurance. The policy will usually be bundled with specific coverage for your personal needs. It will also deal extensively about different kinds of fitness programs and outworks and address risks of each program. If the policy is good, it will offer benefits and additional perks such as discounts. This means the carrier has good relations with fitness equipment stores, and that in turn means that your equipment that might need replacement will be of good quality and value.


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