What is an Additional Insured?
If you train in a gym, studio, or rented space, you may be asked to add the facility as an additional insured on your liability policy. This means your insurance extends some protection to the facility, covering them in case of lawsuits related to your training services.
Many gyms, fitness studios, and events require personal trainers to have this coverage before they can train clients on-site. Without it, you may not be allowed to operate in certain locations.
Adding an additional insured is a simple, affordable way to comply with facility requirements while ensuring your business stays protected.
Who Needs Additional Insured Coverage?
If you train in any space you don’t own, you may need to list that location as an additional insured. This includes:
- Independent trainers renting gym space
- Freelance instructors working in multiple locations
- Trainers using corporate or community fitness centers
- Wellness professionals operating in a shared studio
Even if the facility already has its own insurance, they may still require you to carry liability coverage with them listed as an additional insured.
How Additional Insureds Work
What Does Additional Insured Status Cover?
When you add a gym or facility as an additional insured, your policy provides limited liability protection for the facility in relation to your training services.
For example:
- A client trips over your resistance band and sues both you and the gym. Your insurance covers the claim, protecting both you and the facility.
- A participant in your bootcamp class claims an exercise caused an injury and includes the gym in their lawsuit. Your insurance extends coverage to the facility.
What It Does Not Cover
- The facility’s general business operations (e.g., if a treadmill malfunctions and injures a client, that’s the gym’s responsibility).
- Damage to the facility’s property or equipment.
- Other trainers working in the facility (only your services are covered).
How Do You Add an Additional Insured?
Adding an additional insured is quick and easy with Insure Fitness Group.
- Go to this page
- Enter your information
- Expect a call from an Insure Fitness Group member within 24 hours to complete purchase
Many gyms and studios require proof of insurance with their name listed before you can begin training clients in their space.
[Add Additional Insured Now →]
Do I Need an Additional Insured for Online Training?
No. Additional insured status only applies to physical locations where you train clients. If you offer virtual training only, you do not need to add a gym or studio to your policy.
Does My Additional Insured Coverage Extend to All Locations?
No. You must list each location separately to provide them with coverage. If you train in multiple gyms, each one needs to be added as an additional insured.
How Much Does It Cost to Add an Additional Insured?
Most additional insureds can be added for a small fee, typically much lower than purchasing a separate policy. Insure Fitness Group offers competitive pricing to keep your business compliant.
If I Rent Gym Space, Do I Still Need Additional Insured Coverage?
Yes. Even if you pay rent to use a gym, they may still require you to add them as an additional insured. Always check your rental agreement to see if this is a requirement.
Does an Additional Insured Get the Same Coverage as Me?
No. An additional insured receives limited protection under your policy, and they do not receive full policy benefits like you do. Your coverage remains focused on your liability.
Why Additional Insureds Matter for Personal Trainers
Having an additional insured endorsement is more than just a paperwork requirement. It helps you:
- Stay compliant with gym and studio requirements.
- Protect your business relationships by covering facilities under your policy.
- Avoid liability disputes if a client includes a gym in a lawsuit.
If you train in any third-party location, ensuring they are listed on your policy gives you peace of mind.
[Get Additional Insured Coverage Today →]
Additional insured coverage is an essential part of professional liability insurance for personal trainers. Whether you’re working in a large gym, boutique studio, or community center, listing the facility as an additional insured keeps your business secure and ensures compliance with industry requirements.
If you need to add an additional insured, Insure Fitness Group makes it easy to update your policy and get proof of coverage in minutes.
