Types of Liability Claims Covered with Personal Trainer Insurance
October 20, 2023
$189 /YEAR
Professional and general liability insurance for independent personal trainers working in California. Purchase coverage online from $189/year without a traditional quote process and get proof of insurance quickly.
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Many California personal trainers work independently, even when they train clients inside a gym or studio. While these facilities may carry their own liability insurance, that coverage doesn’t necessarily extend to independent trainers.
For example, if you rent space at a gym and a client makes a claim related to your instruction, you may be personally responsible for responding to that claim. Carrying your own professional and general liability insurance can help protect you against covered claims involving your training services, subject to the terms of your policy.
Personal trainers don’t always work in one facility. IFG coverage can apply across approved work settings, giving eligible trainers flexibility when they train clients in person or online.
Train clients inside an approved gym, fitness center, or studio while carrying your own individual liability coverage.
Coverage may apply when you train clients in their homes or in approved home or garage training setups.
Meet clients for approved training sessions in outdoor settings when the activity and location meet policy requirements.
Work with clients virtually when your online training activity is included under the policy.
Coverage applies only to approved activities and work settings and is subject to policy terms.
Before allowing you to train clients, a California gym or studio may require you to name the facility as an additional insured on your liability policy. This can happen even if you already carry your own insurance, since a standard certificate of insurance may not satisfy the facility’s requirements.
Before starting at a new facility, confirm whether it requires proof of insurance, additional insured status, or both. Ask for the exact business name it needs listed on your insurance documents.
IFG offers additional insured options for eligible policyholders, allowing you to request that a gym or studio be added to your existing policy, subject to policy terms and approval. This can help you address facility requirements while maintaining coverage for your own personal training services.
IFG offers personal trainer liability insurance to eligible independent trainers throughout California. Whether you work in a major city or a smaller community, you can purchase coverage online.
Coverage isn’t limited to these locations. IFG’s core liability policy is available to eligible personal trainers throughout California, with coverage subject to approved fitness activities, work settings, and policy terms.
Getting liability insurance for your personal training business doesn’t require a lengthy quote process. IFG allows California personal trainers to purchase coverage online and receive proof of insurance once their policy is issued.
Keep a copy of your certificate available so you can provide proof of your individual coverage when a new gym or studio requests it.
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Professional liability insurance helps with covered claims related to your personal training instruction or professional services. General liability insurance addresses certain claims involving bodily injury or property damage. Both are included in IFG’s coverage, subject to policy terms and exclusions.
IFG offers coverage for 500+ approved fitness activities and services. If you teach multiple disciplines, such as personal training and group fitness, review the approved activities list to confirm that your services are eligible under your policy.
IFG’s occurrence-form coverage can apply to covered incidents that happen while your policy is active, even if a claim is filed after the policy ends. Coverage remains subject to the policy’s terms, conditions, and limits.
IFG offers liability insurance to eligible fitness professionals in all 50 states. If you plan to train clients in another state, confirm that your activities and work settings meet the terms of your policy.
If you’re currently studying to become a fitness professional, you don’t have to wait to protect your future. Our student fitness trainer insurance offers affordable, comprehensive coverage designed just for aspiring trainers. Stay protected while you learn—because accidents don’t wait for certifications.
$189 /YEAR
Purchase your IFG policy online in about three minutes. Coverage starts at $189 per year, with immediate coverage and proof of insurance after purchase for approved fitness activities and work settings.
Professional & General Liability Coverage | 500+ Approved Fitness Activities | Coverage Available in All 50 States