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Personal Trainer Insurance
Customized coverage for personal training businesses
This coverage provided and serviced by affiliated and third-party insurers.. Read more
Tailored personal fitness trainer insurance for your business needs
Personal training is an exciting field filled with passionate professionals. But like any active job, it comes with risks. Personal trainer insurance protects you from costly accidents, so you can focus on your clients and business goals. The right coverage can help you train with fewer worries and more confidence.
What is personal training insurance?
Personal trainer insurance is small business insurance designed to meet the needs of coaches, trainers, and other fitness professionals. The right policy can cover claims related to lawsuits, financial loss, and client injuries, so you can keep your business in tiptop shape.
Progressive Commercial offers flexible coverage for companies of all sizes. Call our expert agents or start an online quote to personalize a policy that goes the distance.
Why insurance for personal trainers is important
Personal trainer insurance matters because it can help pay certain costs when accidents happen. The right coverage can make it easier to recover when unexpected events affect your business and customers.
For example, say a trainee trips over a barbell, injuring themselves and damaging nearby gym equipment. Certain personal trainers coverages could help with their medical bills and pay to repair or replace the damaged equipment.
Personal trainer insurance requirements
For personal trainers, liability insurance usually isn't a legal requirement. However, many gyms expect coaches to have coverage to reduce risk. Fitness centers often have a corporate insurance policy, but it doesn't always cover individual trainers, especially if you work as an independent contractor .
The easiest way to prove you have the necessary protection is with a certificate of insurance (COI) , which shows your policy details. When you have coverage with Progressive Commercial, it's easy to get COIs when you need them.
Who needs personal trainers insurance?
Insurance for personal training can be a good fit for a variety of businesses and professionals in the fitness industry, including:
- Personal trainers
- Group fitness leaders
- Sports coaches and trainers
- Martial arts instructors
- CrossFit coaches
- Swimming instructors
- Dance teachers
- Yoga instructors
Whether your fitness business operates as an LLC or a sole proprietorship , personal training insurance can offer important protections for your business.
What does personal training insurance cover?
From lifting weights in gyms to running sprints on the beach, personal trainers push themselves and their clients to be the best. The right personal trainer insurance coverage is tailored to how you operate, but most training professionals should consider the following protections when building an insurance policy.
General liability (GL)
Protection for third-party injuries and property damage
General liability (GL)
Protection for third-party injuries and property damage
General liability insurance covers damage you cause other people or their property, like if you break equipment that belongs to the gym where you run sessions. Learn more about the benefits of GL and how much personal trainer liability insurance costs.
Example: You're conducting a small group workout session in a local park. While demonstrating an exercise, you accidentally injure a passerby with a heavy weight. General liability can help pay for their medical bills and legal expenses if they decide to sue.
Business owners policy (BOP)
Flexible liability and property coverage
Business owners policy (BOP)
Flexible liability and property coverage
A BOP combines liability protection with commercial property insurance, which covers your building, equipment, and supplies against theft, fire, and other events. You can also customize BOP business coverages to address your specific needs.
Example: A fire in your small workout studio damages your space and fitness equipment. Your business owners policy could pay to repair your building and replace your equipment.
Commercial auto
Protection for work vehicles
Commercial auto
Protection for work vehicles
If you count on a vehicle for work, commercial auto insurance can help keep you covered. Each state has its own rules, so check liability requirements where you live to see what you need to carry. You can also consider additional commercial auto coverages to protect your drivers, passengers, and cars against unexpected events.
Example: You accidentally hit your client's garage when parking in their driveway. Your commercial auto coverage could help pay to fix or replace the door.
Inland marine
Covers movable equipment and supplies
Inland marine
Covers movable equipment and supplies
Inland marine insurance protects your business property while it's in transit or stored away from your business. Trainers who regularly bring equipment to private in-home lessons or outdoor classes might want to look into adding this coverage to their BOP or GL policy.
Example: You store exercise equipment in a shed, which gets damaged by a fire. Your inland marine coverage can pay to replace your items.
Workers' compensation
Coverage for workplace injuries
Workers' compensation
Coverage for workplace injuries
Workers' compensation insurance helps pay for medical bills and lost wages when an employee gets injured or sick because of their job. Most businesses are legally required to have this coverage. But even if your business isn't, it can still be a smart choice. Independent contractors can benefit, too, since workers' comp can help replace income if you're injured while working. Learn about your state's workers' comp rules and the cost of workers' comp.
Example: Your assistant trainer is spotting a lift and severely strains their back. Workers' comp can help cover her hospital bills and physical therapy sessions.
Professional liability
Protection against claims of negligence or bad advice
Professional liability
Protection against claims of negligence or bad advice
Professional liability insurance protects businesses that give advice or provide services as part of their work. If a client claims your negligence caused them harm or financial loss, professional liability coverage can pay for your defense, regardless of whether the allegations are true.
Example: You create a personalized workout plan for someone with a pre-existing knee condition. They sue you because they say the exercises did not consider their issue and caused additional problems. Professional liability coverage could pay legal expenses and settlements related to the claim.
Cyber
Recover from data breaches and hacks
Cyber
Recover from data breaches and hacks
Cyber insurance helps pay for data recovery and investigations after a breach or cyber attack. Personal trainers who accept or store credit card information or collect customer data through registration forms should consider this insurance. Find out more about cyber coverages and how much a cyber policy costs.
Example: Your customer database stores sensitive medical and credit card information. A hacker breaks into your system and steals info from hundreds of clients. Your cyber coverage can pay to investigate the breach, recover data, and notify customers.
Equipment breakdown insurance for personal trainers
Some trainers and gyms, like those that offer spin classes, rely on valuable electronic equipment to operate. Equipment breakdown insurance on a BOP can pay to repair or replace broken gear, so you can keep your classes rolling with minimal cost and delay.
How much does personal trainer insurance cost?
In general, personal trainer insurance costs are determined by the amount of risk your business faces. That risk depends on a variety of factors, including:
- Where you work
- Special equipment you insure
- Whether you have employees
- Claims history
- The coverages you select
- Insurance policy limits
Of course, many personal trainers consider the cost of business insurance when choosing coverage, but selecting the cheapest policy isn't always the best move in the long run. Getting insurance that works for your business can protect you from unexpected costs down the line.
Businesses with vehicles should also consider their commercial auto insurance rate , which is separate from your business insurance policy. You can save on coverage with our multi-product discount if you have an existing BOP or general liability policy.
The easiest way to learn how much insurance will cost you is to get a personal trainer insurance quote .
Additional questions about personal trainer insurance
Are you covered if you train at multiple gyms?
Yes. Personal training insurance typically covers trainers at multiple places of business. Progressive Commercial can help you understand what your policy covers and how it works.
Can I add a gym as an additional insured?
Yes. If your gym requires that you list them on your policy, you can request that they be added as an additional insured. You can also ask for a certificate of insurance that proves you have coverage for both the gym and your business.
Do you need personal trainer insurance for online training?
You should consider it. You can still be held liable for injuries based on your instructions or course material. Professional liability coverage can protect you against claims of negligence. Online instructors should also consider cyber insurance if they handle customer data electronically.
Get personal trainer insurance through Progressive Commercial
We've been insuring small businesses for over 50 years, and millions of customers trust us to find the right protection. With expert support and a wide variety of basic and specialty coverages, we're ready to connect you with the right policy.
You can start now by getting a quote online . It's a fast, easy way to review options when you're ready. You can check for possible discounts, learn your exact cost, and find insurance that meets your personal training business's needs. If you'd like extra support, call us to speak with an in-house agent.
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