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.
Want a free insurance quote from a licensed broker? Click here to get yours in minutes. Coverage starts as low as $22.50/month.
What We Recommend
Option 1. Philadelphia Insurance Companies Fitness and Wellness (For Quick Coverage)
We recommend purchasing your personal trainer insurance through Philadelphia Insurance Companies’ Fitness and Wellness program. They are the preferred provider of IDEA Health and Fitness (the largest association for Fitness and Wellness Professionals), and offer very competitive value for the money.
If you hold a personal trainer certification then the cost of their standard package is $172 per year. If you are not certified then the cost $232 per year.
Their standard personal trainer insurance package includes:
- $1,000,000 in General and Professional Liability Insurance per Occurrence ($3 Million in aggregate)
- $1,000,000 in Product Liability Insurance
- $100,000 in Sexual Abuse Liability per Occurrence ($300K in aggregate)
- $100,000 for Damages to Premises (this only matters if you temporarily rent space)
- $2500 in No Fault Medical Coverage (for minor injuries, no claim needs to be filed)
You can purchase online and the process is quick and painless.
Option 2. Hiscox (For a Fast, Free Quote)
If you have a more unique situation and want to get on the phone with somebody to discuss your options, we recommend Hiscox. They specialize in small business insurance and can tailor their policies for to match your personal trainer 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 just need quick coverage, Philadelphia Insurance covers all the key areas at a very reasonable price. You can apply online quickly and painlessly. If you’re looking for more types of coverage (such as automobile), need higher coverage limits, have multiple employees, or just prefer to speak with somebody on the phone, we recommend Hiscox. They’ll help you figure out exactly what you need and connect you with the perfect policy for your business.