Types of Liability Claims Covered with Personal Trainer Insurance
October 20, 2023
$189 /YEAR
Insure Fitness Group has protected over 200,000 professionals with liability insurance. Get complete personal trainer insurance—including liability and identity theft protection—for just $189/year.
No Hassle. No Quotes. Immediate Insurance Coverage.
500+ Techniques Covered | Includes Online & In-Gym Training | Liability insurance coverage in all 50 States
Every Insure Fitness policy includes comprehensive professional and general liability insurance, identity theft protection, and industry-backed protections specifically designed for certified personal trainers, fitness instructors, and wellness professionals.
Superior protection that covers you even after your policy expires
No quotes, no waiting periods - coverage starts immediately
Protected at gyms, client homes, outdoors, and online sessions
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One-Year Full Liability Insurance Coverage
Complete insurance coverage for injuries or damages that occur during personal training sessions, group fitness classes, or wellness coaching. Includes $1 million per occurrence and $3 million aggregate coverage for maximum protection against liability claims.
Protects your fitness business if you're accused of slander, libel, copyright infringement, or invasion of privacy in your marketing materials, social media posts, or client communications.
Get up to $25,000 per year in coverage if your personal identity is stolen and used fraudulently.
Superior protection that covers you even after your policy expires for incidents that happened during your coverage period.
From strength training and yoga to virtual fitness sessions and nutrition coaching—all covered under one comprehensive policy.
Protected whether you train at gyms, client homes, outdoor locations, or conduct virtual training sessions online.
Download your certificate immediately after purchase and add additional insureds.
Save money on continuing education courses through our partner programs to advance your fitness career.
Skip the hassle of quotes and underwriting. Get instant coverage with immediate policy activation.
Our personal trainer insurance covers over 500 fitness activities and training methods, making it the most comprehensive personal trainer liability insurance coverage in the industry.
Compare our affordable personal trainer insurance rates with other providers and see why thousands of fitness professionals choose us.
| Insurance Provider | Annual Cost | Monthly Cost | Your Savings |
|---|---|---|---|
| Insure Fitness Group | $189 | $15.75 | - |
| Hiscox Insurance | $270 | $22.50 | Save $81 |
| NEXT Insurance | $269 | $22.42 | Save $80 |
| K&K Insurance | $209 | $17.42 | Save $20 |
Insure Fitness Group has protected over 200,000 professionals with liability insurance protection. Why's that important? Because the average liability claim in the fitness industry costs around $25,000. For just $189/year, get comprehensive personal trainer insurance—including $1 million/$3 million liability coverage, $25,000 identity theft protection, and occurrence form coverage—so you're protected if the unexpected happens during your fitness training sessions.
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Insure Fitness Group is proud to hold an A+ accreditation from the Better Business Bureau—a reflection of our deep commitment to trust and putting our customers first.
Backed by Industry Leader Arthur J. Gallagher
Rest assured—your career is in good hands with Insure Fitness Group. We’re A-Rated (Superior) and proudly backed by Arthur J. Gallagher.
A-Rated (Superior) by AM Best
Insure Fitness Group’s insurance partner holds an A-Rating from AM Best—an industry-leading credit rating agency since 1899. This rating reflects strong financial stability and a proven ability to meet policyholder obligations.
See how our insurance coverage protects personal trainers in actual claim scenarios. These examples show why $189/year is the smartest investment you'll make for your fitness career.
Scenario: During a training session, you're spotting a client on bench press. The barbell slips and injures the client's shoulder, requiring surgery and physical therapy.
Coverage: Professional liability covers the medical expenses and legal fees if the client claims your spotting technique was inadequate or you failed to properly instruct them.
Scenario: A participant in your group fitness class trips over equipment you left on the floor and breaks their wrist, missing work for 6 weeks.
Coverage: General liability covers the medical bills, lost wages, and any legal action for creating an unsafe environment during your class.
Scenario: A virtual client claims your workout program caused a back injury and sues for lost wages, medical expenses, and pain and suffering.
Coverage: Professional liability protects you from claims related to your online training programs, virtual coaching, and digital fitness advice.
Scenario: While training a client at their home, you accidentally knock over and break an expensive antique table worth $15,000.
Coverage: General liability covers damage that occurs during your training sessions, whether at a gym, client's home, or outdoor location.
The average liability claim in the fitness industry costs $25,000. For just $189/year, protect yourself from financial ruin and focus on what you do best—helping clients achieve their fitness goals.
Get Instant Coverage NowInsure Fitness Group stands out from other insurance providers because we offer not only one of the most affordable options, but also provide occurrence form coverage. This is a type of coverage that covers claims related to incidents that happened during your policy period, even if your policy has expired.
Wouldn’t knowing that you’re protected—even if you no longer have an active policy with us—provide you with the ultimate peace of mind
There are two primary types of liability insurance: professional and general liability insurance. They are both necessary for every fitness professional.
General liability insurance: Commonly known as a "slip and fall" insurance policy, general liability insurance covers injuries that occur on your premises that are not directly related to your professional services. For instance, if a client trips and breaks their ankle on an uneven surface in your gym, this type of insurance would protect you from the resulting claims.
Professional liability insurance: Also known as malpractice insurance, professional liability insurance protects you against claims arising from actual or alleged professional negligence. For example, if a client drops a barbell and injures themselves during a workout under your supervision, this coverage would protect you.
These coverages protect professionals from liability for non-physical injuries or damages resulting from actions like defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing. This is an additional coverage type that is included in an IFG policy.
Identity theft is an increasing threat. Identity Theft Protection assists in covering the expenses related to recovering your identity should it be compromised, ensuring your personal and professional identities are secure. This is an additional coverage type that is included in an IFG policy.
*MM = Million
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Not all trainer insurance is created equal. See how IFG stacks up against top competitors based on pricing, coverage, and included benefits.
| IFG | Hiscox | Insurance Canopy | K&K Insurance | NEXT Insurance | |
|---|---|---|---|---|---|
| Professional Liability (Malpractice) | $1MM/$3MM | Varies by state | $2MM/$3MM | $1MM | Varies by state |
| General Liability (Slip & Fall) | $1MM/$3MM | Varies by state | $2MM/$3MM | $1MM | Varies by state |
| Occurrence-Form Coverage | |||||
| Identity Protection Plan | |||||
| Immediate Coverage | |||||
| Access to Health, Vision & Dental Insurance | |||||
| Student Coverage Available | |||||
| Covers All 50 States | |||||
| Member Benefits Included | |||||
| Price | $189/YEARBUY POLICY | $270/YEAR (Starting Price) | $189.75/YEAR (Monthly Price) | $209/YEAR (Starting Price) | $269/YEAR (Starting Price) |
Still looking at options? See how our personal trainer insurance compares →
If you’re currently studying to become a fitness professional, you don’t have to wait to protect your future. Our student fitness trainer insurance offers affordable, comprehensive coverage designed just for aspiring trainers. Stay protected while you learn—because accidents don’t wait for certifications.
Professional liability insurance for personal trainers—also known as errors and omissions insurance—protects you if a client claims you gave poor advice, improper instruction, or created a training program that resulted in injury and they sue you. For example, if a client pulls a muscle during a session and blames your coaching, this coverage helps with providing the financial means for legal defense and potential settlements. With Insure Fitness Group, you receive not only professional liability insurance, but general liability, personal & advertising injury, and identity theft protection.
Understanding the necessary insurance for personal trainers is key. Professional Liability and General Liability insurance are fundamental, covering claims from professional errors, accidents at your training location, and product-related incidents. This coverage ensures financial and reputational protection.
Personal trainers need insurance that protects them from both legal and financial risks. The most important types include professional liability insurance for personal trainers and general liability insurance for personal training. These cover claims of negligence or bodily injury—whether you’re training in a gym, at a client’s home, or offering online personal training.
While not federally mandated, liability insurance for personal trainers is often required by gyms, fitness studios. Even self-employed and independent personal trainers offering sessions in a private gym or home setting need coverage. Whether you’re offering online personal training insurance, working for yourself, or are affiliated with a larger facility, liability insurance safeguards you against costly legal issues and proves your professionalism to clients. For many, it’s not just recommended—it’s expected.
Yes. A quality personal training liability insurance policy offers coverage whether you’re training in a gym, a client’s home, a park, or providing virtual fitness sessions. This flexibility is especially important for traveling personal trainers, online personal trainers, or those running a personal training business across multiple states or venues. Our personal trainer insurance company also offers nationwide coverage, giving you peace of mind wherever you train.
Indemnity insurance for fitness instructors is another term for professional liability insurance. It helps cover costs related to legal defense if a client sues over injury or harm stemming from your services. Whether you’re operating independently, working through a gym, or running your own personal training LLC, this coverage ensures you’re not paying out of pocket for unexpected legal costs—especially important if you’re a non-certified personal trainer or transitioning into freelance work.
To file a claim under your personal trainer insurance policy, contact our Operations Team at sarasota.bsd.operations@ajg.com. They’ll walk you through a simple process, including a Claim Summary Form. If you’re unsure what’s covered—whether it’s related to an accident at a client’s home, an online session, or a general liability incident—we’ll help you determine eligibility and provide guidance. Claims support is part of what makes us the best personal trainer insurance provider in the U.S.
Occurrence coverage (which we provide) protects you even after your policy expires for incidents that happened during your policy period. Claims-made coverage only protects you while your policy is active. This means with our occurrence coverage, if someone files a claim 2 years after your policy expires for an incident that happened while you were covered, you’re still protected.
Yes, absolutely. Gym insurance typically only covers the facility, not individual trainers. If a client is injured during your session, the gym’s insurance may not cover you personally. Having your own coverage ensures you’re protected regardless of where you train.
Our coverage includes virtual and online training sessions. Whether you’re conducting live video sessions, providing workout plans, you’re covered under our policy.
Immediately. Unlike other providers that require quotes and waiting periods, you can purchase coverage and download your certificate of insurance within minutes of completing your application.
With occurrence coverage, you’re still protected for incidents that happened during your covered period, even if you have a gap. However, we recommend maintaining continuous coverage to ensure ongoing protection.
Yes, our coverage is portable. Whether you train at a gym, a client’s home, outdoor locations, or online, you’re covered anywhere in the United States.