Personal Trainer Liability Insurance

Affordable, Instant Coverage

Pay only $0.52 per day for comprehensive personal training liability insurance from Insure Fitness Group. Our policy covers you in hundreds of techniques across the nation, including online training.

$189/year

500+ Techniques Covered Including Online Training

How Much is Personal Training Insurance?

With Insure Fitness Group, personal trainers can get comprehensive coverage for only $189 per year, which breaks down to a cost of only $0.52 per day.

We designed our policy to protect personal trainers against the specific challenges you might encounter, such as a client injuring their foot by dropping a weight or falling off equipment during your class, among many other scenarios.

While we hope you’ll never need to make a claim, you can rest assured that we’re here to support you if you do.

1 YEAR
PROFESSIONAL RATE​

$ 189
/Year
  • Professional and General Liability ($1MM, $3MM)
  • Identity Theft Protection ($25k)
  • Personal Injury and Advertising Injury ($1MM, $3MM)
  • Exclusive Benefits and Offers

Coverage Trusted By Fitness Industry Leaders

About Our Personal Trainer Liability Insurance

Accidents are a fact of life. When they happen, you’ve got to make sure that you’re protected. That’s where Insure Fitness Group comes in. We offer the easiest way to purchase comprehensive coverage for your career, completely online. It takes less than three minutes to fill out the online application that provides you with $3 million per year in professional and general liability protection upon checkout.

You’ll also receive access to exclusive membership benefits like discounts on online certification courses, a free month of online therapy from BetterHelp, and access to free eBooks and webinars.

No compromises on coverage, no back-and-forth quote processes, and no hassle. That’s just how insurance should be.

Liability Insurance Policy Details

Insure Fitness Group stands out from other insurance providers because we offer not only one of the most affordable options, but because our policy has occurrence form coverage. This type of coverage ensures that any claims related to incidents that happened during your policy period are covered, no matter when the claim is actually filed. This ensures that you are still protected against claims even after your policy expires with Insure Fitness Group.

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?

General and professional liability coverage are some of the most essential coverages for any personal trainer insurance policy. A liability is a risk that a client may encounter while under your instruction or in your facility. General liability and professional liability coverage are both necessary for every fitness professional.

  • General liability: Commonly known as a "slip and fall" insurance policy, General Liability Insurance forms the bedrock of your protective measures. It addresses claims of bodily harm or property damage within your business setting. So, if a client trips over a dumbbell or their smartphone breaks during a session, this general liability coverage is your financial safeguard against these frequent operational hazards.

  • Professional liability: In the hands-on and personalized world of personal training, risks are part and parcel of the job. Professional Liability Insurance, often called malpractice insurance, is your safety net if a client alleges bodily injury from exercise equipment or harm due to your training services. This coverage is crucial for defending your practice against the economic fallout of such accusations.

These coverages protect teachers 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.

Identity theft is an increasing threat. Including Identity Protection in your insurance portfolio adds a critical defense layer. It assists in covering the expenses related to recovering your identity should it be compromised, ensuring your personal and professional identities are secure.

*MM = Million

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Online Personal Trainer Insurance

If you're an online or hybrid instructor, we've got your back. Our comprehensive insurance policy covers virtual classes at no extra charge. You can switch employers, move across the country, or go entirely online - our your coverage moves with you every step of the way.

General Liability Insurance

Commonly known as a "slip and fall" insurance policy, General Liability Insurance forms the bedrock of your protective measures. It addresses claims of bodily harm or property damage within your business setting. So, if a client trips over a dumbbell or their smartphone breaks during a session, this general liability coverage is your financial safeguard against these frequent operational hazards.

Professional Liability Insurance

In the hands-on and personalized world of personal training, risks are part and parcel of the job. Professional Liability Insurance, often called malpractice insurance, is your safety net if a client alleges bodily injury from exercise equipment or harm due to your training services. This coverage is crucial for defending your practice against the economic fallout of such accusations.

Personal & Advertising Injury

Your digital footprint and marketing strategies are crucial to your business's success. Our general Liability Insurance includes personal and Advertising Injury coverage that defends you against claims of defamation, slander, or violation of someone's rights in your advertising. This coverage protects your marketing efforts, empowering you to promote your services with peace of mind.

Product Liability Insurance

You might recommend or use various fitness products and supplements as a personal trainer. Product liability coverage is important as it covers claims about the products you endorse or utilize during training. If a client has an adverse reaction or issue with a recommended product, this coverage shields you from paying for legal and settlement costs.

Identity Protection

Identity theft is an increasing threat. Including Identity Protection in your insurance portfolio adds a critical defense layer. It assists in covering the expenses related to recovering your identity should it be compromised, ensuring your personal and professional identities are secure.

Do I Need Insurance as a Personal Trainer?

Yes, personal trainers absolutely need to have their own insurance even if you work for a gym that provides you with coverage. According to a 2023 study published by The National Library of Medicine, 27% of weightlifters in the last six months experienced an injury to their shoulders, knees, and wrists most commonly. Your clients trust you as their personal trainer to ensure their safety during a session, but accidents can happen to even the most experienced professionals in the most controlled environment. 

Getting insured by Insure Fitness Group means you’re not just investing in a safety net; you’re enhancing your clients’ trust in your services. This level of trust helps build loyalty with your clients, establishes your rep as a responsible fitness pro, and can help you stand out from other personal trainers.

Embrace the peace of mind that comes with knowing you’re protected. Our professional liability insurance lets you focus on what you do best, without the worry. Let’s ensure you have a successful personal training career that is secure and trusted. 

A trainer engaging in exercise while discussing fitness trainer insurance with his client
a trainer and his client discussing personal trainer insurance
A client and instructor talking about fitness insurances
A client filling out forms for personal trainers insurance

Accidents Can Happen, Let Our Personal Training Insurance Protect You

Our Personal Trainer Liability Insurance is here to back you up, ensuring you can continue offering exceptional training sessions, knowing you're covered for the unexpected. It's not just about mitigating risks—it's about providing peace of mind for you and your clients, reinforcing trust in your services and a commitment to safety.

a trainer and his client discussing personal fitness trainer insurance

Coverage for 500+ Techniques

Discover the liberty to take your fitness expertise beyond borders with assurance. Our professional liability coverage protects more than 500 training techniques, beyond fitness techniques all the way to yoga instruction, massage therapy and more, guaranteeing protection across your diverse skill set. It also comes with nationwide flexibility.

FAQs on Personal Trainer Insurance

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.

Liability insurance, while not mandated federally, is strongly advised for all personal trainers. Certain states also necessitate it for licensure, and many gyms and fitness centers require it for employment. Beyond legal requirements, it affords significant financial security and enhances professional standing.

Yes, Personal Trainer Liability Insurance policies offer flexible coverage for various service locations, including client homes, gyms, outdoor venues, and more. This adaptability ensures trainers are protected across all work environments.

Professional Liability Insurance for personal trainers specifically guards against claims arising from professional advice or training guidance. This includes injuries or damages clients claim due to perceived errors or negligence in your professional services.

Indemnity Insurance for fitness instructors, often part of Professional Liability Insurance, protects against claims for damages due to professional misconduct or negligence. It’s important to defend against legal actions and legal fees and cover potential compensation costs.

Instructor Indemnity Insurance benefits personal trainers by protecting against legal claims and financial losses from professional services. This insurance supports the fitness professionals’ credibility, ensuring they can focus on delivering quality training without the worry of potential litigation.

Personal Trainer Insurance Comparison

Insure Fitness Group stands higher than the competition. Compare IFG to the fitness industry's top competition.

Personal trainer insurance is a vital risk management tool and an important decision for you and your career. As with any important decision, it’s always a good idea to see how your different liability options compare to one another. Liability insurance for trainers should be no different. But clicking from one website to another and back again gets old fast. That’s why we’ve published all of the pertinent information from our liability policy and put it right alongside the offerings of the leading insurance competitors. We give you a side-by-side comparison because we are confident that our program comes with the best coverage options at the best rates available.

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Get in Touch

Contact Us Now

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.

800-379-7799
info@insurefitness.com