Types of Liability Claims Covered with Personal Trainer Insurance
October 20, 2023
$189 /YEAR
Protect every session you lead with our personal trainer insurance—just $189/year for comprehensive coverage, including liability and identity theft protection.
500+ Techniques Covered | Includes Online & In-Gym Training
Every Insure Fitness policy includes industry-backed protections built for certified personal trainers—no extras needed.
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 →
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?
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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Personal trainer insurance is a policy that shields trainers from the liabilities and risks of their profession. This insurance typically includes both general and professional liability coverage.
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.
Here at Insure Fitness Group, we understand the unique challenges personal trainers face. That’s why we have created a policy that offers comprehensive protection. Whether it’s a client injuring their foot by dropping a weight or falling off equipment during your class, our policy supports you in such 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.
Provides security against claims of negligence or harm resulting from your training services. It is also sometimes referred to as Malpractice Insurance. This is important if a client claims they were harmed due to improper training techniques. It also covers legal expenses and settlements. This is if a client sues you for professional errors.
This insurance covers bodily injury claims and incidents not related directly to your professional services, but to issues that naturally occurred during your business operations. For example, if a client were to trip over a dumbbell or a loose rug on you property and hurt themself.
Having a strong digital footprint and effective marketing strategies are essential for the success of your business. Our General Liability Insurance covers personal and Advertising Injuries. It protects you from claims of defamation, slander, or infringement of someone’s rights in your advertising. With this coverage, you can confidently promote your services. Improving your marketing efforts.
Protect yourself from identity theft with $25,000 in Identity Protection that is included in an IFG policy. This extra layer of defense can help cover the costs of fixing your identity if it’s stolen. It keeps your personal and professional information safe.
Personal trainers must have their own insurance, regardless of whether they are employed by a gym that offers coverage. According to a 2023 study from the National Library of Medicine, 27% of weightlifters injured their shoulders, knees, and wrists in the past six months. The safety of your clients is a top priority. Accidents can happen, even with skilled pros in a controlled setting.
When you choose Insure Fitness Group for insurance, you’re not just protecting your business. You’re also building the trust your clients have in you. This trust is essential to building lasting client loyalty. It establishes you as a trustworthy fitness expert and sets you apart from other 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.
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, bodily injury, or property damage—whether you’re training in a gym, at a client’s home, or offering online personal training. Whether you’re a NASM-certified coach or a freelance personal trainer, having the right personal trainer insurance coverage is necessary to protecting your business, your reputation, and your peace of mind.
While not federally mandated, liability insurance for personal trainers is often required by gyms, fitness studios, or to meet state licensing requirements. 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.
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. For example, if a client pulls a muscle during a session and blames your coaching, this coverage helps with legal defense and potential settlements. Whether you’re NASM-certified, ACE-certified, or running a self-employed personal trainer, this type of coverage is vital to operate safely.
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.
Fitness instructor indemnity insurance—also referred to as personal trainer professional liability insurance—benefits trainers by providing a financial safety net. It boosts your credibility and allows you to focus on delivering results without fear of legal backlash. Whether you offer in-home personal training, run group boot camps, or operate your own personal training freelancing career, this coverage protects your assets and long-term career.
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.
If you train clients, you need insurance. Accidents happen—whether it’s a client tripping over equipment or sustaining an injury from a workout you designed. Without liability insurance for personal training, you risk paying medical bills, legal fees, or damages out of pocket. Personal trainer liability insurance lets you focus on growing your fitness career with confidence. Whether you’re working hourly, daily, or on a monthly personal training insurance plan, this protection ensures you’re covered across every session.
Whether you’re a NASM-certified coach, an ISSA graduate, or running an in-home personal training LLC, personal trainer insurance is important. This includes online personal trainers, freelance coaches, and group fitness trainers. No matter your setup, having liability insurance for personal trainers keeps you and your business protected.
The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.
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