Texas Personal Trainer Insurance

500+ Techniques Covered, Including Online Training. Affordable and Same-Day Coverage.

^$189/YEAR

How much is Personal Trainer Insurance in Texas?

Are you a personal trainer or fitness instructor in Texas? Insure Fitness Group is here to help with Personal Trainer Insurance that offers complete coverage for only $189 a year. That’s just 52 cents a day—a real steal! You can save up to 40% and easily buy your policy online in under three minutes. Don’t let this great opportunity to safeguard your career slip away!

Our policy was created with personal trainers in mind, aiming to tackle the unique challenges they encounter. Unfortunately, clients sometimes injure themselves. They do this by dropping weights, falling off equipment, or tripping over gear. We sincerely hope you won’t ever need to file a claim. However, if you do, rest assured that we’re here to assist you.

$ 189

/Year

Professional & General Liability ($1 million / $3 million)
Identity Theft Protection ($25,000)
Personal Injury & Advertising Injury ($1 million / $3 million)
Hundreds of Techniques Covered + Online Training
Member Benefits & CEU Discounts Included
Follows You In All 50 States

Supported by Fitness Industry Leaders

Liability Insurance Policy Details

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?

Policy Limits

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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Do I Need Personal Trainer Insurance?

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.

Common Claims in Texas

Personal trainers in Texas often face claims related to:

Slip and Fall Accidents: It’s important to be careful and prevent accidents by avoiding wet floors and gym equipment, as they can be a risky mix for our clients, potentially causing injuries and costly medical expenses.
Improper Technique: The instructor could be held accountable if a customer is injured due to their incorrect technique.
Equipment Malfunction: Faulty equipment has resulted in substantial claims being made against the trainer because of injuries.
Overexertion Injuries: Motivating clients to push themselves too hard can result in muscle strains or other injuries, leading to trainers potentially dealing with lawsuits.

Real-Life Horror Story: Texas Edition

Here are a few real cases involving personal trainers in Texas:

Failure to Consider Client’s Health Condition: In this case, a personal trainer didn’t do a proper health check before creating a workout plan. The trainer had the client do intense exercises. They didn’t know the client’s medical history. This caused serious injuries. The trainer’s mistake in not using health questionnaires and failing to supervise properly resulted in legal action. This case shows the need for trainers to follow safety guidelines. This is especially true for clients with known health issues.
Improper Supervision and Exercise Routine: In another case, a trainer had a client do a tough workout. It included burpees, jumping jacks, and heavy deadlifts. The trainer did not give them enough rest. The trainer didn’t adjust the workout even when the client was uncomfortable, causing the client to get injured. The court found the trainer responsible, leading to a significant financial settlement.
Negligence in Exercise Safety: In a New York case, a client broke their wrists during an exercise that they had never done before. The trainer didn’t properly assist or spot the client, which led to the accident. The case was settled for $300,000, highlighting the need for trainers to ensure exercises are safe and suited to each client’s skill level.

It’s crucial for trainers to stay current with their certifications. They should carry out detailed health assessments and create personalized workout plans for each client. ignoring these responsibilities could result in severe legal and financial troubles. Personal trainers also need to have the right insurance to shield themselves from claims and make sure their practice is secure.

Personal Trainer Insurance Requirements in Texas

In Texas, while personal trainers are not legally required to carry liability insurance, it is strongly recommended. Many gyms and fitness centers across Texas, from major cities like Austin and Houston to smaller towns, often require trainers to get their own liability insurance before they are able to start working.

Texas Personal Trainer Insurance Policy Benefits

Our Personal Trainer Insurance Coverage is more than just a standard policy. It provides a strong base for your career in fitness. It’s tailored to the demands of personal training. This coverage lets you focus on helping your clients. It protects your practice.

Educational Growth with CEUs & Discounts

Our main goal is to empower our clients. We will do this through ongoing education and skills training. Enroll in our discounted Continuing Education Units (CEUs) program to keep you ahead in the fitness industry. Stay updated on trends, techniques, and standards to help develop and move on your professional journey.

Nationwide Coverage Across All 50 States

Personal trainers in any state can rely on our thorough policy to meet their insurance needs. Wherever you're located, this coverage will safeguard you. It's specifically crafted to adhere to state guidelines, enabling you to expand your business effortlessly.

Covers Online Training Sessions

As an online or hybrid trainer, we are excited to provide support to fitness professionals like you nationwide. Our policy guarantees that all your live online live training sessions sessions are included without any extra fees. Additionally, your in-person sessions are protected. They give you peace of mind no matter how you teach.

What Does Our Texas Personal Trainer Insurance Cover?

Slips & Falls During Sessions

In Texas, slip and fall incidents are more common than you might expect. This is true whether you're training clients in a Houston gym or a fitness studio in Austin. Accidents can happen anywhere. For example, slick floors on a rainy day or tripping over equipment. If a client gets injured while under your supervision, you could be held responsible.

Injuries During Training

Texans, whether in Dallas or San Antonio, trust you to help them reach their fitness goals. It’s important to push your clients safely to avoid any injuries. Our insurance covers accidents during your sessions. So, you can focus on helping your clients without worrying about legal risks.

Live & Pre-Recorded Online Training

Even when training clients online, whether in El Paso or the Texas Hill Country, accidents still happen. Whether your session is live or pre-recorded, you could be held accountable if something goes wrong.

Equipment-Related Mishaps

From high-tech gyms in Dallas to cozy studios in Fort Worth, it's important to make sure your equipment is safe. Our insurance gives you peace of mind. It protects you from accidents related to exercise equipment.

Identity Theft Protection

As Texas continues to grow as a tech hub, especially in cities like Austin and Houston, cyber crimes are becoming more common. To protect your personal information, we include complimentary ID Theft Protection valued at $25,000 with every policy.

How to Become a Personal Trainer in Texas

The Lone Star State’s fitness industry is growing fast – perfect for personal trainers others looking to get into fitness as a career. According to the Bureau of Labor Statistics, Texas ranks among the top 10 states for employment of fitness trainers and instructors.

While the state does not mandate licensing requirements for personal trainers or fitness instructors, there are many reasons why you should still become certified: many employers prefer to hire certified professionals, clients prefer hiring professionals with proper certifications, and being certified helps you avoid liabilities because you are properly trained and prepared.

The Best Personal Trainer Certifications In Texas

Texas 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).

Gain Real-Life Experience

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.

Develop Your Fitness Business

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. Texas 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.

How Much Do Personal Trainers Make in Texas?

According to the Bureau of Labor Statistics, Texas exercise trainers and group fitness instructors earn an annual mean wage of $42,880.

There are a number of factors that affect your salary, including your experience, education level, or services offered. If you're an aspiring personal trainer in Texas, it's important to plan ahead and research your local fitness scene - that way, you can stand out with your own brand.

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.