500+ Techniques Covered, Including Online Training. Affordable and Same-Day Coverage.
$189/YEAR
With Insure Fitness Group, personal trainers and fitness instructors in Pennsylvania can get comprehensive coverage for only $189 per year — a cost that breaks down to only $0.52 per day. Our policy saves professionals up to 40% and can be purchased simply online in less than three minutes.
We designed our policy specifically for the unique challenges personal trainers and other fitness professionals actually face, like a client breaking their foot by dropping a weight on themselves, hurting themselves when falling off a Pilates reformer, or tripping over equipment which led them to needing medical care, and other similar situations.
While we hope you’ll never need to make a claim, you can rest assured that we’ll be there to support you if you do.
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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Real claims Pennsylvania trainers face—from Philadelphia rec centers to Pittsburgh studios and community programs across the state. These scenarios show why $189/year is the smartest investment for your Keystone State fitness career.
Scenario: During an outdoor bootcamp, a resistance band snaps mid-exercise and injures a participant’s shoulder, leading to surgery and months of rehab.
Coverage: Professional liability covers injuries linked to instruction and programming. COIs available to meet Philadelphia Parks & Recreation requirements for fitness permits.
Scenario: A client slips on a damp studio floor after a cardio session and suffers a fractured wrist, requiring medical treatment and lost income.
Coverage: General liability responds to premises-related slip-and-fall incidents, protecting trainers from lawsuits tied to studio conditions.
Scenario: During a high-intensity circuit on a humid summer day, a client experiences heat exhaustion and later alleges negligent hydration and rest breaks.
Coverage: Professional liability protects against allegations of negligent supervision or environmental safety—especially relevant during Pennsylvania’s humid summers.
Scenario: A 55+ client alleges improper lunge cues caused a back injury, requiring several months of therapy and lost wages from part-time work.
Coverage: Professional liability covers claims tied to improper technique, form instruction, and supervision—often required by Pennsylvania community and senior programs.
The average liability claim in the fitness industry costs $25,000. For just $189/year, get Pennsylvania-ready personal trainer liability insurance with quick COIs for parks, studios, and community centers—so you can focus on coaching.
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Yes, personal trainers absolutely need to have their own insurance even if you work for a gym that provides you with coverage.
According to a 2023 study published by the Bureau of Labor Statistics, 27% of weightlifters in the last six months experienced an injury to their shoulders, knees, or wrists.
Your clients trust you as their personal trainer to ensure their safety during a session, but accidents can happen to even the most experienced professionals in the most controlled environment.
Getting insured by Insure Fitness Group means you’re not just investing in a safety net; you’re enhancing your clients’ trust in your services. This level of trust helps build loyalty with your clients, establishes your rep as a responsible fitness pro, and can help you stand out from other personal trainers.
Our Personal Trainer Insurance Coverage isn’t just another policy; it’s a cornerstone for your fitness career, crafted to navigate the complexities and challenges of the personal training industry. It ensures you’re fully equipped to focus on your clients’ transformation journeys while safeguarding your professional practice.
We champion the ongoing education and upskilling of our clients. Our policy includes access to discounted Continuing Education Units (CEUs), keeping you at the forefront of fitness trends, techniques, and industry standards and propelling your professional development.
Our comprehensive policy meets the insurance requirements of personal trainers across all 50 states, offering protection regardless of your location. This nationwide coverage ensures you comply with state-specific regulations as you expand your reach.
If you're an online or hybrid trainer, we're proud to cover fitness pros like you all across the U.S. Your policy safeguards all your online live training sessions at no extra cost. Any in-person sessions are also protected, so you can enjoy comprehensive peace of mind no matter how you teach.
Slip and fall accidents are more common than you'd think in the fitness industry - whether it's a wet floor or just an accidental trip over equipment, clients can be hurt under your watch and you could be held liable.
Clients come to you to be pushed and motivated, but overdoing it can cause muscle strains or other injuries. Our insurance covers claims related to injuries caused during sessions, so let us take that burden so you can focus on helping your clients meet their goals.
Even if you're not physically with your client, you could still be held liable for accidents that happen from your online training sessions either live-streamed or pre-recorded.
Exercise equipment can and will break down, posing an injury risk to your clients. Whether it's fault of the equipment or the client, a lawsuit could arise. With Insure Fitness Group, you'll always be financially protected.
Cyber crimes are real and they are on the rise. Protect yourself and your data with $25,000 of our ID Theft Protection that comes complimentary with every policy.
The Keystone State’s fitness industry is growing fast—great news for personal trainers and anyone looking to turn a passion for fitness into a career. According to the Bureau of Labor Statistics, Pennsylvania ranks among the top 10 states for employment of fitness trainers and instructors. Start your fitness career today with our guide on how to become a personal trainer in Pennsylvania.
While Pennsylvania doesn’t mandate a state license for personal trainers or fitness instructors, earning a nationally recognized certification is still the smart move. Employers prefer certified professionals, clients trust proven credentials, and formal training helps reduce risk because you’re prepared to coach safely.
Before you choose a certification, make sure you meet the baseline standards most certifying organizations expect in Pennsylvania:
Age: At least 18 years old
Education: High school diploma or GED
Safety Training: Current CPR/AED with a hands-on skills check (in-person or approved virtual)
Once you’ve checked these boxes, you’re ready to compare certification programs, prepare for your exam, and start building experience in Pennsylvania gyms, studios, or private practice.
Pennsylvania doesn't require a specific license to become a trainer, but earning your certification from a trusted provider demonstrates your knowledge to potential clients and employers.
Insure Fitness Group recommends top certifying bodies like ASFA (American Sports and Fitness Association, NETA (National Exercise Trainers Association), and NASM (National Academy of Sports Medicine).
While earning your certification is important, you can't beat real-world experience. Practical knowledge helps you stand out from the rest and bring in new clients.
We recommend job shadowing, internships, or even starting out as a part-time instructor.
Local gyms are a great way to get your foot in the door, providing valuable experience to kickstart your fitness career.
Once you're off the ground with a certification and experience, you'll need to think about what's next.
First, you'll want to find your training niche. Pennsylvania is a large state with a diverse fitness-minded population. What's popular in your county? Do you prefer training one-on-one or group fitness?
From there, learn how to market yourself as a personal trainer. Even a basic website goes a long way to build your reputation. Social media is perfect for showing off your training services and client results.
According to the Bureau of Labor Statistics, Pennsylvania exercise trainers and group fitness instructors earn an annual mean wage of $46,990.
Pay varies by city, certification, experience, and whether you train in a gym or privately. Current snapshots (Aug 2025):
Specialty certifications and experience, client mix (gym floor vs. private/corporate), and local demand (e.g., Philly/Harrisburg vs. smaller markets) all move the needle.
A mix of for-credit pathways and continuing-ed CPT prep:
Still Have Questions About Insure Fitness Group 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.