Personal Trainer Insurance

Secure Your Passion, Empower Your Practice: Personal Trainer Insurance Tailored for You

Start your fitness career with confidence. Our Personal Trainer Insurance is made just for you. It helps you grow and succeed. Now, you can focus more on helping others and less on worries. Whether you’re just beginning or growing your business, we’re here to support you. Chase your fitness dreams with us by your side. Let’s grow your fitness career together, safely and surely.


Personal Trainer Liability Insurance

One Policy to Protect Your Business

Accidents are a fact of life. When they happen, you’ve got to make sure your business is protected. That’s where Insure Fitness Group comes in. We offer a one-stop shop with the best insurance for personal trainers to cover you across the board.

Just $189 per year gets you the protection you need plus extra perks you’ll love. Enjoy total peace of mind with free identity theft protection and freebies from leaders in the fitness space.

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

Professional & General Liability Insurance

Also Called Errors and Omissions Insurance
$1 Million Per Occurrence
$3 Million Per Year

Identity Protection Insurance

$25,000 Per Year

Career Resources

E-books, guides, business forms, industry news and more

Personal/Advertising Injury

$1 Million Per Year

Product Liability Insurance

$1 Million Per Year

Same Day Coverage

Apply in five minutes

100+ Programs Covered

One policy fits all

Insurance for Personal Training

The Best Coverage For Trainers

A+ Rated Personal Trainer Insurance

What Our Customers Say About Us

Do I Need Personal Trainer Insurance?

Yes! 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. Bodily injury 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 and using a poor form that overloads certain muscle groups. From slips 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 trainer insurance—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 liability insurance plan accordingly. Our all-inclusive policy provides the perfect blend of insurance coverage and additional protections so our members can train with absolute confidence. 

It’s simple! It’s 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, insurance could protect you from the financial burden of a claim.

Insure Fitness Group offers the best coverage 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 complete breakdown of everything you need to know before purchasing a policy.

Each policy from Insure Fitness Group also provides professional, general, and product liability coverage, personal injury and advertising injury coverage, and identity theft protection. All of these coverages are available for $189/year. Let Insure Fitness Group protect your career and your future, with the best coverage in the industry- for less than your yearly gym membership. 


$1 Million Per Occurrence

$3 Million Per Year

There are inherent risks, with all exercise classes and personal training sessions. 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. This 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. 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.

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 comprehensive coverage from Insure Fitness Group.


$1 Million Per Year

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. 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.

Personal Trainer Insurance Coverage Details

General, Professional, and Product Liability + Identity Protection Coverage All Under 1 Policy

Professional & General Liability:  Coverage for injuries and/or damages to property arising specifically as a result of the fitness instruction services you provide, as well as accidental injuries and/or damages to property. You get up to $1 million for each occurrence and $3 million in total per member, per year. 

Product Liability: Coverage if the equipment were to malfunction and cause an injury and/or property damage. This can also pertain to products you use on the equipment like cleaners that might induce a bad allergic reaction. For this important liability coverage, you get up to $1 million per year in total coverage.

Personal Injury and Advertising Injury: This coverage protects fitness instructors from liability for non-physical injuries or damages resulting from actions including defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing. You’re covered for up to $1 million per year.

Identity Protection Plan: Covers up to $25,000 in identity restoration services for our insurance members.

How Much Does Personal Trainer Insurance Cost?

For an entire year of coverage, IFG’s liability insurance is just $189. We also offer an incredible rate of only $65 per year for personal trainer students. You won’t find flat rates everywhere. Personal trainer insurance cost varies tremendously and some companies will base your cost on past claims history.

Online Personal Training Insurance

A large 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 have online sessions clear across the country and your policy will follow you every step of your fitness journey. 

Membership Benefits You Can Use From Day One

We know the best personal trainer liability insurance needs to offer you a benefit above and beyond just great liability insurance. That’s why our program insurance company 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. Resources like how to create a personal training liability waiver and release form can help protect your business. By having clients sign a waiver and release form, you are asking them to acknowledge and accept the potential risks associated with physical activity and release you from any liability that may arise from injuries or damages sustained during the training sessions. 

Best Personal Trainer Insurance Options & Coverage

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.

(Tap to Enlarge)

Personal Trainer Insurance FAQs

Frequently Asked Questions About Personal Trainer Liability Insurance

Emphatically, yes. Even if a case is entirely frivolous, legal defense and legal fees without insurance can be financially devastating. Personal training insurance from Insure Fitness takes away the anxiety surrounding the what-ifs of a future claim and give you financial protection. You’ll be covered from the minute you engage with a client, within the 50 United States. Read more about why personal trainer insurance is a must.

The best personal trainer insurance will provide comprehensive coverage options, covers a variety of different programs/workouts, follows you around the country, is affordable, and ideally, should even provide some additional benefits to members as many may never file a claim. Insure Fitness provides robust coverage limits for a variety of different liabilities, covers more than 150 different workout programs, follows you everywhere you train with clients, and also offers tips, discounts, and exclusives from the leading names in fitness, all at the low rate of just $189 per year.

Insure Fitness has created a policy that takes the risks of fitness professionals into consideration and provides coverage from several angles from which claims can occur during your policy period. Here’s an outline of the coverage:

  • Professional & General Liability: protects personal trainers from claims for injuries, medical costs, or property damage, as well as claims asserting you were negligent in your services and an injury or form of damage occurred as a result. With Insure Fitness Group, you have a $1 million per occurrence and $3 million annual aggregate for professional and general liability claims.
  • Product Liability: provides protection from injuries caused by malfunctioning equipment or allergic reactions from the use of cleaning products in performing your services. You’ll be covered up to $1 million for product liability claims.
  • Personal Injury and Advertising Injury: This coverage protects you from liability for non-physical injuries or damages resulting from actions including defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing. You’ll be covered up to $1 million per year.
  • Identity Theft Protection: We’ll cover up to $25,000 in identity restoration services for all IFG policyholders.

Take the guess work out of personal trainer insurance – get more information about the 3 types of liability insurance every personal trainer should have.

Yes! As virtual personal training classes continue to increase in popularity, we’ve added online personal trainer insurance coverage for any class conducted via a medium like Skype where live training is being provided. This only wouldn’t apply to any previously recorded fitness instruction such as with a Youtube channel.

Absolutely. Because we want to foster the next generation of personal trainers, we offer the same coverage options as with our professional personal trainer policies to students for the low-rate of just $59 for a full year of coverage. Select the student rate here.

Occurrence form coverage is based on the premise that, if a claim is filed after your policy expires, no matter when this occurs, as long as the incident occurs during the period when your policy is active, you’re covered. This comes about from the simple fact that some injuries take months or even years to manifest and some clients choose to wait for a time before seeking restitution. Whatever the reason, even if it’s years after your policy has expired, if that incident occurred while the policy was still active, you’ll have the peace of mind of full coverage. Many carriers provide claims-made coverage that only extends coverage beyond a policy’s expiration if additional measures specifically taken to do so. Otherwise, under a claims-made policy, any claim occurring after a policy’s expiration is generally not covered unless you pay extra for a “tail” that will allow you to do so.

A great value of our plans lies in the fact that none of our liability coverages have a deductible attached. This means, if you need to file a professional liability claim with us, you pay nothing out of pocket to do so. Only our stolen equipment coverage has a low $250 deductible. 

General liability claims arise from third-party injuries or property damage that occurs from broadly accepting clients and providing your service. Generally referred to a “slip and fall”, an example could be a client slipping on the pile of chalk left on the floor after a split-jerk and breaking their hip. Their medical expenses would fall under your personal trainer general liability insurance provisions. Another example might be where a client is walking out of their appointment and misses a stair on their way causing them to fall and get injured that way. 

Professional liability is also called “malpractice insurance” as it relates specifically to a claim against the professional service you provided during a session. For example, a student may assert that your spin class was too arduous and led to a torn quadricep or another may say that you pushed them too far down into a front-squat and they hurt their back as a result. With cases like these, Insure Fitness members have peace of mind through a comprehensive professional liability insurance coverage. 

Insure Fitness’s personal training and group fitness insurance program covers a wide array of different workout/exercise programs. At present, we provide coverage for more than 40 different programs. Everything from Aquatic Exercise, to Pilates, JazzerciseⓇ, P-90XⓇ, and ZumbaⓇ are all covered under our personal trainer insurance policies. If you don’t see your specific program currently listed, call or click to get in contact with an insurance specialist who may be able to add yours to our growing list.

Yes and yes! We’ve partnered with some of the leading names in the world of fitness to bring our members killer benefits, exclusives, discounts, and early access to a wide variety of different products and services that other insurance providers can not offer. 

Online insurance options are by far the most convenient for today’s on-the-go professional. We offer the convenience of a 100% online membership portal where you can purchase a personal trainer liability insurance policy and access all of your documents from anywhere in the world (and theoretically beyond) where you have an internet connection.

At Insure Fitness, we believe in transparency. That’s why we present our plans side-by-side with our leading competitors so you can see how all of our different coverage options stack up. At just $189 per year, Insure Fitness Group offers some of the most affordable rates, with the best coverage options, of any other carrier out there.

Our streamlined personal trainer insurance provides instant proof of insurance as soon as you sign up. You’ll also get great coverage with liability protection tailored for the risks today’s personal trainers face. Added bonus, you can opt for flexible monthly payments that work with your budget and access to an entire suite of benefits from day one.

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.


Personal Trainer Insurance Guides & Resources

Newsletter Sign-up

Stay ahead of the fitness game with our exclusive content and offers!