All You Need to Know about Personal Training Liability Insurance Guide

Personal trainers offer the kind of intense one-on-one instruction for clients that need to be motivated to reach their fitness goals. Clients trust their trainers to provide safe routines that are effective in helping them be healthier. During the session, personal trainers must be aware of many different variables and moving parts in order to provide a safe and beneficial workout.

This guide provides a useful resource for personal trainers exploring covering themselves with the surety that personal trainer insurance provides. Read on as we deep dive into the important risk management practice for you and your business.

What do personal trainers do?

Personal trainers are undeniably in the “fit” business. They help their clients safely progress through workouts with an end goal in mind. For some, that’s losing weight, others want to tone, and others simply want to maintain mobility. Being able to craft the workout routines that get clients where they want to go is the mark of a good personal trainer and how you’ll grow your reputation as being effective.

With knowledge, experience, and expectant clients comes responsibility. In the eyes of the law, there’s things known as liabilities, which are the responsibility of a professional to pay for injuries or damages to property that occur under the supervision of a trainer or generally around their place of business. The two liabilities most are at least fairly familiar with are general and professional liability.

Insure Fitness designed this insurance program just for personal trainers. We know the risks you will face throughout your career and so brought together a unique blend of stout coverage options and additional safeguards to produce the best all-around coverage available for personal trainers.

What are Additional coverages for Personal Trainers?

Coverage for the costs of claims plus the cost of legal defense fees when necessary is what personal trainer insurance does best. For one low, annual price, you get great coverage for general and professional liability claims, as well as product liability, rental damage coverage, stolen equipment coverage, and even an identity protection plan.

Knowing all the different coverage types included with IFG’s tailored insurance plan just for fitness professionals is the best way to know you’re getting a great value for your unique career path.

Product Liability – any trainer knows the equipment in the gym are your tools for the trade. No matter what kind of fitness you’re into – group fitness classes, high-intensity interval training, or just about anything in between, you rely on your equipment to help deliver a great session. When a piece of equipment fails, an injury can occur. Product liability protection helps cover the costs to you that stem from someone being injured on a piece of equipment you have them use.
Identity Protection Plan – in the digital age we live in, cyber incidents happen 24 hours a day and 7 days a week. When your identity is compromised, it can take a lot of time and effort to help restore all the different areas of your personal finances. That’s where our identity protection plan really packs a bunch. You’ll get all the way up to $25,000 worth of identity restoration services from a dedicated expert so you don’t have to worry about all the details.

Covering yourself from all sides with affordable and effective insurance means your career is protected through every rep and every personal best. This allows you to focus everything on the client, rather than having to wonder about the “what-ifs”.

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How to Choose the best liability insurance for you

When considering your options for personal trainer insurance it’s good practice to compare different programs available to you. Comparing elements like price, coverage options, services covered, additional protections, and benefits will help you make the best decision for you and your personal training career.

Price: price often drives purchasing decisions for many personal trainers seeking insurance. That’s why we designed our program to offer great coverage but still be extremely affordable. We also don’t include any additional fees like other providers. Our members enjoy one, low annual rate that ranks among the most affordable.
Coverage Options: insurance coverage needs to offer comprehensive protection in order for it to be of any use. Our policies come with stout coverage limits for both general and professional liability.
Services Covered: putting together the perfect routine often involves utilizing multiple exercise programs. With many programs, you will be limited in the number of services you are able to provide and still be covered. When you want to add on to those, you may have to pay an additional fee. We wanted to keep things simple, so choose to provide coverage for literally hundreds of different exercise programs and health/wellness modalities. Many popular programs are covered including P90X, Zumba, HIIT, SilverSneakers, and even children’s fitness programs. If you don’t see yours listed, contact one of our licensed agents at 800-379-7799 about having your program added.
Additional Protections: any insurance worth its weight should provide coverage that protects you in the real world. To do this effectively means going beyond general and professional liability. Our program extends members’ sphere of protection with an identity protection plan, stolen equipment coverage, and rental damage coverage.
Benefits Coverage: perks can significantly add value to the investment you make in purchasing personal trainer liability insurance. We provide members the best value in the industry. A policy with IFG includes access to enroll in MetLife Vision and Dental coverage plus exclusive discounts with retailers like Lenovo, UPS, Hertz, Office Max and more. In addition to benefits designed to help your business, we’re constantly adding partner benefits that feature some of the best fitness-related discounts you can find. Check out Member Benefits.

How do I get personal trainer liability insurance?

Our personal trainer insurance program is designed to be incredibly accessible. Simply fill out an online application, check out, and within minutes you will have instant proof of insurance. Approval for coverage typically occurs in less than five minutes.

Want to speak to a licensed agent first? Call: 800-379-7799, email: info@insurefitness.com, or open a chat session to have all your questions answered and to walk through the process. We want you to be comfortable and confident in your decision to secure insurance through our program made just for personal trainers.

How much does personal trainer insurance cost?

Our personal trainer insurance combines maximum coverage, rich member benefits, and affordability all in one all-inclusive package. For personal trainer insurance, professionals are able to purchase a one-year policy outright or can opt to finance their purchase through our partnership with Paypal Credit Financing for easy, monthly payments.

We offer personal trainer insurance plans for both professionals and students at the following rates:

Insurance Plus Professional rate: $189 a year or as low as $17/month when financed
Insurance Plus Student rate: $65 a year

How to Get the best value for personal trainer liability insurance

Personal trainers can earn a great salary providing professional fitness instruction to their clients. Some of the top personal trainers in the field earn well over $300 per hour instructing world-class athletes and movie stars. As good a field as personal training is, the most successful professionals still seek to get the best value for the investment they make in their business. Personal trainer insurance is a key investment in helping you to transfer risk from yourself onto your insurance carrier. Make sure you are getting the best value possible by selecting an insurance plan that provides great coverage while still being affordable.

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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.

800-379-7799
info@insurefitness.com