Qualities to Look for in Personal Trainer Liability Insurance

As a personal trainer, your goal is to help your clients achieve their health and fitness goals.

But along the route to a healthier lifestyle, accidents can happen.

Whether it’s a wet spot near the drinking fountain that causes a fall or injuries from overexertion, you face many liabilities as a personal trainer.

Liability insurance helps protect your business from such accidents, and it is something that every trainer needs.

With so many policies out there, it can be difficult to know which plan is right for you.

In this article, we break down the key benefits of insurance for personal trainers and what to look for in a policy.

What is Personal Trainer Insurance?

The truth is that insurance is one of the last things many personal trainers consider, but it’s not something you should skip. Personal trainer insurance helps protect you and your clients from accidents.

Fitness insurance can cover anything from trips, slips, and falls to injuries that occur during the workout. Without insurance, one minor accident could lead to an expensive lawsuit that puts your business at risk. On the other hand, the right personal trainer insurance protects your business from liabilities.

But what should you look for in personal trainer insurance?

Here’s a closer look:


Cost is an important purchasing consideration for personal trainer insurance. While investing in good coverage can save your business thousands in the long run, you still want to choose an affordable solution that suits your budget.

When comparing the price of various providers, keep an eye out for hidden fees. These can sneak up on you, making the cost rise far above what you initially thought.

Here at Insure Fitness, we focus on offering a comprehensive, yet affordable solution. We don’t have any hidden fees like other providers. Instead, all of our members enjoy one clear annual rate. We are proud to offer one of the most affordable options for fitness insurance on the market!

Comprehensive Coverage

For the insurance policy to be helpful to your personal training business, it must offer comprehensive coverage. Look for policies with fairly high coverage for professional and general liability.

Our plan provides the following coverage:

Professional Liability Coverage

Liabilities directly related to your personal training services are known as professional liabilities. While it’s your job to push your clients and give them the intensity they need, there’s always a risk of injury. Common professional liabilities in fitness include

  • Torn muscles
  • Tendonitis
  • Stress fractures
  • Ligament damage
  • Other overexertion injuries

If a client requires medical service for their injury or has to miss work for it, they may file a professional liability against you. Our professional liability insurance covers up to $1 million per occurrence and a total of $3 million per year in professional liability.

General Liability Coverage

General liability is regarding claims not directly related to your services. Spilled water, a slippery parking lot, or other issues from the space you work can cause general liabilities. If a client sustains an injury that requires treatment or missed work from something like a slip by the water fountain, it may lead to a general liability claim.

IFG provides solid general liability coverage of up to $1 million per occurrence and $3 million per year.

Product Liability Coverage

While some fitness coaching may be equipment-free, product liability coverage is still important for personal trainers. It can protect you from:

  • Allergic reactions to a chemical
  • Injuries from equipment malfunctions

The good news is that Insure Fitness Group offers comprehensive coverage including product liability coverage.

Additional Coverage

Additionally, consider the services covered. Some insurance providers require you to pay extra to cover other services.  You need a plan that covers a wide array of exercise types, including HIIT, Zumba, SilverSneakers, Children’s programs, Pilates, Spinning, Aerobics, Aqua Fit, Circuit Training, and more. At IFG, we cover hundreds of personal training services. We also offer liability coverage for:

  • Stolen or damaged equipment
  • Rental property protection
  • Identity theft
  • Online teaching coverage

Fast and Simple

The last thing you want is to have to wait for your coverage to kick in. When it comes to liability insurance for personal trainers, you need a solution that you can quickly and easily get set up.

Insure Fitness Group provides instant certificates for your insurance. Within a couple of minutes of applying, you’ll receive your certificate of coverage. This means that you can get immediate coverage as a personal trainer and won’t have to wait for your policy to kick in. You can breathe a sigh of relief as soon as you finish applying.

Additional Benefits

Additional perks and member benefits can boost the value of your fitness insurance plan immensely. While price is important, so is the overall value.

IFG provides excellent benefits to our members, offering the best value around. With one of our policies, you also receive MetLife Vision and Dental coverage. We also have retail discounts for several brands and are always looking for helpful fitness-related discounts.

Coverage in All States

Believe it or not, not all fitness insurance policies cover all 50 states. Portable coverage ensures you are covered throughout the entire country. Oftentimes, personal training is a flexible career option that may take you to other states for specific jobs or long-term relocation. With our portable coverage options, you can rest easy knowing you’ll be covered no matter what state you’re in.

Get The Best Personal Trainer Insurance Today!

For quality personal trainer insurance that meets all of the criteria above and more, turn to Insure Fitness Group today. We make it easy to get excellent coverage in less than 5 minutes. Our comprehensive coverage will help to protect your personal training career, all for only $179 per year, which is less than a gym membership! From the moment you sign up, you’ll receive excellent coverage along with some premier membership benefits.

Now is the time to protect your personal training business and future with portable personal trainer insurance from IFG. Start your free quote now.

More Posts You Might Like

Newsletter Sign-up

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