Personal Trainer Insurance

Complete Coverage.
Instant Certification.
No Hidden Fees.


Personal Trainer Insurance

Complete Coverage.
Instant Certification.
No Hidden Fees.




There are thousands of fitness-related injuries that occur in gyms and health clubs every year. A recent study published by the National Institute of Health found that the vast majority are caused by overexertion. Injuries as a result of overexertion were found to occur most often during general free weight exercise and group fitness classes. According to the Mayo Clinic, overuse injuries are more likely in those who have certain medical conditions, such as muscle weakness in the knees or hip area. Overexertion means going too fast or too hard, as well as using poor form that overloads certain muscle groups. From slip and falls after an intense workout to muscle tears from overexertion, there is simply a high risk for injury in sports and fitness training.

Breaking down the statistics above, there are two really prevalent forms of liability for personal trainers—general  liability and professional liability insurance. Slips, trips, and falls would fall under general liability and a client overexerting themselves and being injured could constitute professional liability. Knowing the fitness industry and the associated risks for personal trainers, Insure Fitness Group tailored our personal trainer insurance plan accordingly. Our all-inclusive plans provide the perfect blend of insurance coverage and additional protections so our members can train with absolute confidence. Read more about reasons why you need personal trainer insurance.


Personal trainer insurance is liability coverage that protects against claims related to the day-to-day operations of your personal training business. For example, if a student sustains an injury in your session, personal trainer insurance could protect you from the financial burden of a claim.

Insure Fitness Group offers the best personal trainer insurance in the industry. We cover thousands of fitness professionals with A-rated insurance designed specifically for personal trainers just like you.

We cover personal trainers working in solo careers, small gym environments, or as employees of national gym chains. We created a personal trainer insurance guide for a full break down of everything you need to know before purchasing a policy.

Personal trainer insurance from Insure Fitness Group also provides professional, general, and product liability coverage, stolen equipment coverage, identity theft protection, and rental damage insurance. All of these coverages are available for $179/year, with no hidden fees. Let Insure Fitness Group protect your career and your future, with the best coverage in the industry- for less than your yearly gym membership. 


There are inherent risks, with all exercise classes and personal training sessions. Personal trainer liability insurance protects you, the personal trainer, from claims and potential lawsuits for a multitude of accidents that could happen during class or a session. Personal trainer liability insurance protects you from accidents that may arise, through no fault of your own, as the personal trainer.  

For example, if a student slips and falls on some split water during a training session and breaks their arm, you may be liable. If a student pushes themselves too far, into a move they cannot do, and injures them self, you may be liable.

While you may work hard to stay current with the health needs of each client, sometimes they are not as forthright with their conditions as you need them to be. For example, you may have a female client who has recently become pregnant, but has chosen not to share that information with you. You might also have a male client who has a heart condition, or other serious health condition that could put him at risk during some of the moves he will perform in class. Personal trainer liability insurance would protect you from claims arising due to conditions like these. You can still see why it is critical for the health and longevity of your business that you make sure to have personal trainer insurance coverage.

Insure Fitness Group offers the best personal trainer insurance available. Unlike other insurance companies, we will cover a claim that happens within the policy period even if it is filed years later. With this type of support, we know that you will be able to rest easy and focus your full attention on your personal training clients. Teach confidently with personal training insurance coverage from Insure Fitness Group.


Despite the fact that you worked hard to earn your personal trainer certification, teach clearly, and check your equipment on a regular basis, accidents can still happen. The fact is that there are inherent risks with exercise itself, and this risk only increases when various pieces of equipment are added to the mix. Product liability insurance can provide the peace of mind you need so that you can focus on training your clients instead of worrying about potential lawsuits. 

Product liability insurance is the type of insurance that offers a warranty or guarantee on a product. It is specifically created to cover you in the event that a product malfunctions and causes injury or damage to third parties. Depending on how the product was manufactured, designed, and assembled, you could be at risk of a lawsuit. Even if your client uses the equipment incorrectly, you could still be held liable for any damage that was caused or bodily harm.

While personal training doesn't always include equipment, when it does, your client's risk of injury also goes up.  All it takes is a loose spring, a moment of unfocused attention, or an improperly secured safety chain for an injury to occur. Personal trainer product liability insurance helps to protect you in this type of situation, so that you do not bear the brunt of the financial expenses associated with a lawsuit.


We know the best personal trainer insurance needs to offer you a benefit above and beyond just great liability insurance. That’s why our program grants you access to hundreds of dollars worth of exclusive offers and discounts from the leading names in health and fitness. We’ve also developed libraries of content geared just towards setting up and maintaining a successful personal trainer business. Mastering topics like utilizing social media and building a personal trainer resume will help your services stand out from the crowd. Bonus alert, you also can use our workout playlists for getting your clients pumped. You’re welcome.


Insure Fitness Group, we offer really stout insurance programs made just for personal trainers, at affordable rates, and with expert service before, during, and even after a policy has expired. We truly want to be the best personal trainer insurance available. With that personal best in mind, our plan is designed to be 100% accessible online so that you can do everything you need to do with your trainer insurance policy from anywhere in the world where you have internet connection. But if you ever need help, we have fully licensed agents ready to do everything they can to solve your issue quickly and professionally. Contact the personal trainer liability insurance team now.

Full Portability with Personal Trainer Insurance from IFG

A vital component of our trainer insurance program lies in the built-in portability provision. Portability is a term used in insurance which means that the policy is not tied to a single location or way of providing services. This means you can switch employers, go from renting space to offering in-home training sessions, or you can move clear across the country and your policy will follow you every step of your fitness journey.



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 options compare to one another. Personal trainer insurance 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 personal trainer liability policy and put it right alongside the offerings of the leading trainer 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 for personal trainer liability insurance.


For an entire year of coverage, Insure Fitness Group personal trainer insurance is just $179 that's less than $.50 a day. We also offer an incredible rate of only $59 per year for personal trainer students. Read more on how much much personal trainer insurance cost here.  Compare insurance plans and rates.

Best Liability Insurance for PERSONAL TRAINERs

Compare Insurance Plans

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

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Alternative Balance



Professional Liability Insurance Coverage (Malpractice) $1M Per Occurrence, $3M Aggregate $2M Per Claim, $3M Per Year $1M Per Occurrence, $5M Aggregate $2M Per Occurrence, $3M Aggregate $1M Per Occurrence, $3M Aggregate Limit $1M Per Occurrence, $3M Aggregate
Occurence Form Coverage Yes No Yes General Liability is Occurence No Yes
Product Liability $1M No No No $1M Aggregate $1M
Rental Damage Coverage $100,000 No $1M $300,000 No $100,000
Stolen Equipment Yes, Up to $1,000 No No No No No
Immediate Coverage Yes Yes Yes Yes Yes Yes
Identity Protection Plan $25,000 No $25,000 No No No
Cost Per Year $179 $853 $245 $269 $172 (Certified)
$232 (Non-Certified)
Monthly Payment Option Available Yes Yes No No No Yes
Access to Afforable
Health, Dental, Vision Insurance
Yes No No No No No
Other Considerations Includes online training coverage and over 300 other practices; policy valid in all 50 states; no processing fee Doesn't include coverage in all 50 states Additional fee at check-out; lengthy application process Equipment coverage offered at additional cost Credit Card Payment Not Accepted No Equipment Damage coverage
Get Covered
IFG HISCOX K&K Alternative Balance PHLY NEXT
Professional Liability Insurance Coverage (Malpractice)
Occurence Form Coverage
Product Liability
Rental Damage Coverage
Stolen Equipment
Immediate Coverage
Identity Protection Plan
Cost Per Year $179 $853 $245 $269 $172 (Certified)
$232 (Non-Certified)
Monthly Payment Option Available
Access to Afforable
Health, Dental, Vision Insurance
Other Considerations
Get Covered


Our personal training and group fitness insurance program covers a multitude of exercise programs, along with hundreds of other healing practices. Check out our chart to the right for a sample of some of the fitness programs your policy automatically includes coverage for.

And if you don’t find your style or technique listed here, call us at 800-379-7799 and we’ll let you know if we can cover you!


Do you really need professional liability insurance as a personal trainer?

What's the best personal trainer insurance?

What does personal trainer insurance cover?

Are virtual classes covered under insure fitness's personal trainer insurance program?

Does Insure Fitness offer a plan for personal trainer students?

WHAT is occurrence Form coverage?


What are some examples of general liability claims for personal trainers?

What are some examples of professional liability claims for personal trainers?

What types of exercise workouts/training programs are covered by insure fitness?

Does Insure Fitness provide any additional benefits to members?

CAn you access your personal training insurance online?

What's a cheap personal trainer insurance policy?

How long does it take for my new personal training insurance to kick in?


Still have questions about our program or personal trainer insurance in general? No worries! Insure Fitness Group is available Monday through Friday, from 9 AM to 6 PM ET. And we have an after-hours line, too! Contact us via online chat, telephone, or email, and we’ll get you the answers you need.

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