Personal trainers today have a plethora of choices when it comes to ensuring themselves and their practice. Just running a Google search for ‘personal trainer insurance’ will instantly turn up thousands of results. With the landscape for training sessions changing with the recent health crisis, trainers today face more industry risks than ever. So how do personal trainers know they are getting the best insurance policy to meet the changing needs of the personal training business?
In today’s spotlight series, we’ll highlight all the information personal trainers need to know about insurance costs and pricing and also what to look for when comparing leading personal trainer insurance programs.
Curious about the cost of personal trainer insurance? This blog breaks down the factors that influence pricing, from coverage options to your area of practice. Whether you’re starting out or renewing your policy, we’ll help you understand what to expect and why investing in insurance is essential. Let’s make sure you’re covered!
Our staff make up a community of fitness industry professionals that not only provide great insurance for personal trainers, but take a keen interest in supporting clients throughout their careers. This depth of experience means we can set smarter limits that help protect trainers appropriately but never more than what’s needed so rates can stay low.
At $189 per year if paid in full and just under $15 per month when financed through PayPal Credit Financing, Insure Fitness also has some of the best rates available today. Additionally, we protect personal trainers to-be with a student-only plan priced at only $65 for a full year of coverage. While cheap isn’t always a good thing, offering an affordable insurance plan for personal trainers that also offers great liability coverage is what we do. While you help clients work towards beating personal bests, we’ll have your back with insurance tailored just for personal trainers.
Breaking down the cost of your insurance program is crucial to understanding the total impact of the expense on your bottom line. Many personal trainer insurance programs available today will charge an up front fee and then tack on additional fees for things like adding a new fitness activity to your policy or when you move your practice to a new state.
With Insure Fitness, our personal trainer liability insurance is designed to be simple, transparent, and comprehensive. For just $189 per year, you receive robust professional and general liability coverage, plus valuable added protections like rental damage coverage and identity theft protection. Your policy also includes access to exclusive member benefits and coverage for a wide range of popular fitness programs and training styles.
One of the biggest advantages of our insurance for personal trainers is built-in portability. Whether you work as a gym employee, train clients in their homes, operate independently, or relocate across state lines, your coverage moves with you at no additional cost. And because today’s trainers often coach both in-person and online, your policy also includes coverage for virtual training—so you can confidently support clients wherever they are.
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When it comes to your business, watching your costs carefully can help maximize your profitability. We want our professional members to understand how our program stacks up so they can have the best information available to make the decision that’s right for them.
Remember, when it comes to looking at the cost of personal trainer insurance, you always need to make sure you know the bottom line numbers for the particular program you’re looking at. Oftentimes, the advertised price for a given insurance policy will be the tip of the iceberg and that attractive promo price will quickly add up with all of the additional fees you’ll need for it to be of any actual use to you.
Below, you’ll see how each of the leading providers of personal trainer insurance stack up with regards to the amount of coverage they offer, the different attributes of the policy members should look for, and the overall price of the program.
Just by the numbers, Insure Fitness comes out on top both for the level of coverage received and the price it is offered at. We don’t want to add any confusion to our rates, so keep them nice and simple. When our rates say $169 per year, that’s all any of our members, anywhere in the U.S. will pay.
In the comparison above, we looked at the different insurance companies out there and only found one other program to use occurrence form coverage with their personal trainer insurance policies. Establishing whether your policy is an occurrence form or claims made is pretty crucial for one distinct reason. Claims made policies do not let you file a claim after the policy expires while occurrence form coverage let’s you file a claim for an event that occurred during your policy term, even if you file that claim after the policy has expired. With claims made, you will be left without any coverage if a client happened to wait a few weeks before reporting their injury or filing suit against you and in the meantime your claims made policy expired. In this case, you would be faced with paying the costs of the claim out of your own pocket.
Based on the cost analysis of the leading personal trainer insurance companies, the average price currently available for a policy runs $207.50. This average can go up depending on some companies charging more for living and working in different states or for adding additional covered services. At $169 per year, personal trainer liability insurance through Insure Fitness is nearly 20% cheaper than the average cost of personal trainer insurance.
When you’re looking for a good deal on personal trainer insurance, an important consideration should be the member benefits program. Insurance is both vital and necessary but many may only need to use it a handful of times throughout a career. Now, all it takes is one claim against you to spell incredible personal financial hardship and so insurance remains pivotal to long-term business success but still, there should be some intrinsic benefits in the program besides financial protection when an unfortunate event crops up. Knowing our members deserve the best value for their investment in our personal trainer insurance program, we have spent years developing key relationships with the leading names in health and fitness. Our relationships with these iconic brands gets members early access deals, exclusive promotions, and even free promotional giveaways.
Not stopping there, as soon as you sign up you’ll also get a free professional website to help promote your services online. With most of today’s consumers checking you out online before they ever commit to buy, you need a strong digital presence in order to reign these types of searchers in. You can add tips, promote classes, and write about what you love all to help market your unique brand of services. Best of all, is the website is completely free with your membership.
Hopefully, you’re beginning to see that a personal trainer insurance cost comparison has many different areas that will need to be scrutinized.
From our comparison, there’s three key takeaways:
Our team really takes pride in supporting fitness professionals throughout the twists and turns of rich and varied careers. We have developed our program to be accessible and easy to use, so that you know when you really need help, we’ll be right alongside you. The resources contained on our website and made available to our members is content that is curated by fitness pros that have experienced adversity in the personal training industry and have excelled nonetheless.
Go over all of your options with a knowledgeable and fully-licensed agent now. Our team will take the time to answer all your questions so you feel confident in making the best decision that’s right for you and your personal training business.
Personal training insurance provides financial protection in case a client experiences bodily injury or other issues during a training session. Whether you’re working at a gym, online, or independently, having professional liability insurance assures you’re covered against claims related to injuries, or negligence.
Professional liability insurance (also known as errors and omissions insurance) covers claims related to negligence, improper training techniques, or failure to meet a professional standard of care.
General liability insurance protects against claims of bodily injury, personal and advertising injury that may occur on your premises or during a session.
For full protection, many personal trainer insurance policies bundle general and professional liability coverage together.
A professional liability insurance policy covers financial risks associated with claims of negligence, errors in training programs, and failure to provide proper instruction. This can include medical costs for clients injured during training or financial losses related to a training session.
Yes, most policies include medical costs coverage, which helps pay for emergency medical expenses if a client sustains an injury during a session. However, the extent of coverage depends on the policy’s coverage limits.
The cost of personal training insurance varies based on coverage levels, location, and insurer. Insure Fitness Group offers competitive rates starting at $189 per year or $15 per month. Student trainers get coverage for as low as $65 per year.
While affordability is important, the best insurance policy should provide comprehensive professional liability coverage, general liability coverage, and additional benefits. Cheap insurance may come with low coverage limits, or exclusions that leave you vulnerable to financial risks.
If a client sues you for an injury or claim related to your training, your professional liability insurance policy will cover legal defense costs, settlements, and potential damages—up to your coverage limits.
Additional insured coverage allows you to extend your policy to protect third parties, such as gyms or studios where you train clients. Many fitness facilities require personal trainer insurance requirements to include them as an additional insured on your policy.
When comparing insurance providers, consider:
General and professional liability coverage limits
Whether the cost includes medical costs and bodily injury protection
The coverage limits and exclusions
Whether the policy covers virtual training sessions
Additional benefits, such as personal and advertising injury coverage
With Insure Fitness Group, your coverage is portable, meaning it follows you whether you work at a gym, online, in a private studio, or even in a different state—at no additional cost.
Your clients count on you to guide them toward their fitness goals—but who’s protecting you? The cost of personal trainer insurance shouldn’t be a mystery, and with Insure Fitness Group, you get straightforward pricing.
For just $189 per year (or $15 per month with financing), you’ll receive comprehensive professional and general liability coverage, identity protection, and even coverage for virtual training. Plus, student trainers can get insured for only $65 per year!
Stay covered with no surprises. Buy your policy now!
Have questions? Our team is here to help. Contact us today.
Don’t let unexpected claims derail your personal training career—invest in affordable, comprehensive coverage and focus on what you do best!
Still have questions about our program or personal trainer insurance in general? No worries! Insure Fitness Group is available Monday through Thursday from 8 AM to 7 PM ET. On Fridays, we’re open from 9 AM to 7 PM ET. Leave us a message after-hours and we’ll get back to you ASAP! Contact us via online chat, telephone, or email, and we’ll get you the answers you need.
