In this article we are going to discuss what you need to know about purchasing personal trainer insurance, including the different types of personal trainer insurance, how much it costs, and where to purchase.
This guide is not written by a lawyer or insurance broker. For answers related to your specific situation, be sure to consult a lawyer or certified broker.
What We Recommend
Option 1. Next Insurance (For Solo Trainers)
We recommend Next Insurance for their low costs (starting at $11/mo), simple online application process, fast approvals, and the ability to immediately print certificates of insurance.
Since most gyms require a certificate of insurance (COI) in order to train at their facility, the ability to apply for coverage and print COIs online is a huge plus. Unlike other companies, there’s no additional fees to print COIs, even if you need to list the gym as an additional insured.
Their Next Insurance Pro Plan Includes the following coverage:
- $1,000,000 in General or Professional Liability Coverage ($3,000,000 in aggregate)
- $1,000,000 in Product Liability Coverage
- $100,000 in Rented Premises Coverage
- $100,000 in Sexual Misconduct Coverage
- Optional $250,000 in Nutritional and Dietary Supplement Coverage
Other plans are available at higher and lower price points. To purchase online, simply follow this link:
Option 2. Hiscox (For a Fast, Free Quote)
While Next Insurance is ideal for personal trainers who rent a space, it’s not ideal for all businesses. Those who own their own gym, or train swimming, acrobatics, or boxing/martial arts with contact will need a different policy. For these situations, we recommend speaking with Hiscox, a general small business insurance provider.
Hiscox can write a custom insurance policy that’s personalized for your business. The insurance quote is free, and you can get started just by following this link.
Here is the more detailed version breaking down the different types of personal trainer insurance and what each covers.
Types of Personal Trainer Insurance
There are five primary types of insurance that personal trainers with no employees, who do not own their own facilities should have.
What It Covers
Professional Liability Insurance
Cost of legal defense and settlement up to a max payout for injuries directly related to the service you are providing.
Product Liability Insurance
Cost of Legal defense and settlement up to a max payout for injuries related to products used when providing your service.
General Liability Insurance
Cost of legal defense and settlement up to a max payout for injuries which are not directly related to the service you are providing.
Damage To Premises
Cost of repair for damages caused to the space where you train clients.
Sexual Abuse Liability
The cost of legal defense if you are falsely accused of sexual harassment, abuse, or molestation by one of your clients.
Most insurance companies that specialize in providing personal trainer insurance will combine all of these into one package, so you do not have to purchase each separately.
Here is a more detailed overview of what each type of personal trainer insurance covers:
Personal Trainer Professional Liability Insurance
Professional liability insurance is designed to cover the costs of legal defense and settlement for injuries (or alleged injuries) to clients while you are training them. In order to be covered under your professional liability policy, the injury (or alleged injury) must have happened as a direct result of the service you are providing.
This includes injuries to a client caused by giving incorrect advice, an omission (leaving something out), or failing to deliver some aspect of your service.
Professional liability insurance is also called Errors and Omissions (E&O) insurance.
Someone is hurt during a workout and claims that it was because of your incorrect advice. Whether or not the client is correct, your Personal Trainer Professional Liability insurance should cover your legal defense, and any award made to the client, up to the limit of your coverage (generally $1 Million).
Product Liability Insurance
Product liability insurance is designed to protect you against injuries caused by products (such as faulty gym equipment) used when training clients. Even if you did not make the product, you can still be sued since you advised the client to use a faulty product.
A cable on a new piece of gym equipment snaps and injures the client you are training. Your product liability insurance should cover your legal defense, and any award made to the client for your involvement in the accident (or alleged accident), up to the limit of your coverage.
General Liability Insurance
General liability insurance is designed to cover the costs of legal defense and settlement for client injuries (or alleged injuries) that happen while they are training with you, but which are not directly related to your training.
While working out at the gym with you, a client slips and falls on a wet floor, and sues you for their injuries. Whether or not the client is correct, your General Liability insurance should cover your legal defense, and any award made to the client, up to the limit of your coverage (generally $1 Million).
Sexual Abuse Liability Insurance
Because of the nature of the personal trainer profession, many policies will also include protection against a false accusation of sexual abuse. Insurance does not cover you against illegal acts however, so if you are guilty your insurance will not pay.
Our recommended policy includes up to $300,000 ($100,000 per incident) in payments for court costs to defend yourself.
What doesn’t personal trainer insurance cover?
- Anything related to an automobile
- Mishandling of client data (i.e. credit card information or other personally identifiable info)
- Injury caused with intent (you punch someone)
Structuring Your Business Correctly Is Also Important
In addition to having insurance, you should also take the important step of making sure your personal trainer business is structured correctly from a legal standpoint. If you have not done so already, you can form an LLC online with LegalZoom for around $300. LLC’s are designed to shield your personal assets if your company is sued.
The Bottom Line
If you’re a personal trainer who rents a space, or trains outside a gym, Next Insurance provides all the coverage you’re likely to need for around $13/month. You can apply online quickly and painlessly, and print unlimited COIs without any additional fees.
If you own your own space, and/or are looking for more types of coverage (such as swimming or boxing), we recommend Hiscox. They’ll provide a free quote for a custom policy.