500+ modalities covered, including online training. Instant coverage and certificate!
Personal Trainer Liability Insurance
$189/YEAR
Trusted by more than 200,000 fitness professionals
How much is personal trainer insurance?
As low as $0.52/day
While we hope you’ll never need us, we’ll be there if you do.
One Year
Professional Rate-
Professional & General Liability Insurance
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Identity Theft Protection
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Personal Injury & Advertising Injury
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Online Training Covered
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Freebies, CEU discounts and more
Accidents Can Happen, let Our
What does Personal Trainer Insurance cover?
Slips & Falls During Sessions
Slips and falls can happen, especially in dynamic training environments. Whether due to wet floors or just an accidental trip, these incidents can lead to injuries ranging from minor bruises to more serious fractures. Our liability insurance for personal trainers covers these risks, ensuring you're prepared to handle any claims and maintain your professional standing.
Overexertion Injuries During Training
Intense workouts are part and parcel of personal training, aiming for peak performance and fitness goals. However, overexertion can lead to muscle strains or sprains in clients, especially if they push beyond their limits. Our insurance is designed to cover such incidents, providing financial protection and support to manage these situations professionally while ensuring your client's recovery and your reputation remain intact.
Improper Use of Technology or Online Training Programs
With the rise of virtual training sessions, there's a potential risk of clients injuring themselves at home due to incorrect exercise execution or misunderstanding instructions. Our insurance includes coverage for these modern training methods, protecting you against claims that may arise from digital training platforms.
Equipment-Related Mishaps
Using equipment is essential in most training regimens, but malfunctions or misuse can result in injuries. Whether it's a weight machine malfunction or an accident involving free weights, our coverage is tailored for these scenarios, safeguarding your financial stability and helping you address any client concerns swiftly and effectively.
Reputational Harm
There are a number of lawsuits that could be filed against you claiming offenses like libel, slander, and many others. Simply playing music in your gym or workout space could open you up to lawsuits unless you've paid royalties. Every IFG membership includes best-in-class personal injury and advertising injury coverage, so you can focus on what really matters: your clients.
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 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?
Policy Limits
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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Additional benefits of our
Personal Trainer Insurance Coverage
Our Personal Trainer Insurance Coverage isn’t just another policy; it’s a cornerstone for your fitness career, crafted to navigate the complexities and challenges of the personal training industry. It ensures you’re fully equipped to focus on your clients’ transformation journeys while safeguarding your professional practice.
Educational Growth with CEUs & Discounts
We champion the ongoing education and upskilling of our clients. Our policy includes access to discounted Continuing Education Units (CEUs), keeping you at the forefront of fitness trends, techniques, and industry standards and propelling your professional development.
Nationwide Coverage Across All 50 States
Our comprehensive policy meets the insurance requirements of personal trainers across all 50 states, offering protection regardless of your location. This nationwide coverage ensures you comply with state-specific regulations as you expand your reach.
Covers Online Training Sessions
If you're an online or hybrid trainer, we're proud to cover fitness pros like you all across the U.S. Your policy safeguards all your online live training sessions at no extra cost. Any in-person sessions are also protected, so you can enjoy comprehensive peace of mind no matter how you teach.
Get In Touch with Insure Fitness Group
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.
