6 Best Personal Trainer Insurance Companies in 2024

We received two quotes for personal trainer liability insurance:

1. The first quote was through Preferra and did not have a monthly installment option. The cost was $590 annually and carried both general liability and professional liability coverage. Both policies carried a limit of $1 million per occurrence and $3 million aggregate.
2. The second quote was through Hiscox, and after two months down, it cost $70.82 monthly or $850 annually. The coverage was less, with a general liability limit of $1 million per occurrence and $2 million aggregate, and professional liability with a total aggregate of $1 million.

Either policy could be purchased online, though you can also call and speak with an agent for further options.

Simply Business is a one-stop shop for finding insurance and managing your policy. You can make and request changes online or over the phone, including requesting a COI. Moreover, the brokerage is well-reviewed by users, with 4.8 stars out of 5 from over 1,100 reviews on Trustpilot^[1].

However, some of its additional services are limited—most notably within the claims process. If you have a claim, you are directed to contact the provider directly, though Simply Business does offer the contact information for each carrier’s claims department. If contacting the provider directly isn’t getting you anywhere, or if you are having trouble filing a claim, then you can reach out to Simply Business to initiate the claim.

Personal trainer liability insurance through Insurance Canopy costs $129 annually. You can then choose from a number of add-ons to personalize the coverage for your specific needs.

For example:

• For $16, you can add $2,000 in gear and equipment coverage.
• For $75, you can add coverage if you offer nutrition and diet advice.
• For $99, you can add cyber liability insurance.

If you purchase the basic liability policy for $129, then you will get general liability and professional liability coverage with an occurrence limit of $2 million and an aggregate limit of $3 million. These limits apply separately to each liability coverage. This policy also has $3 million in products completed coverage and $300,000 for damage to a rented premise.

In addition to its streamlined quote system, Insurance Canopy offers other simple services. Once you’ve purchased the policy, you gain 24/7 access to your policy account dashboard. From your account, you can file a claim or create an instant COI.

Customers are happy with Insurance Canopy’s service, especially regarding their responsiveness to requests and questions. It has 4.8 out of 5 stars on Google^[2] from over 300 reviews.

While Next Insurance is a single provider, it usually offers quotes in tiered stages of coverage, giving you flexibility in finding the policy that is right for your business. We received three quotes for personal fitness instructor coverage:

1. Basic coverage costs $10.67 monthly. The policy included general liability and professional liability, each with separate limits of $500,000 per occurrence and $1.5 million aggregate. It also had $100,000 in total coverage for accusations of abuse and molestation.
2. Premier coverage costs $11.50 for the same coverage, except the general and professional liability limits increased to $1 million per occurrence and $3 million aggregate.
3. Deluxe coverage cost $13.42 monthly. Again, it had the same coverage, but the limits further increased to $2 million per occurrence and $4 million aggregate for general and professional liability.

All options were available as same-day coverage and could be purchased online without speaking to anyone.

Next Insurance also offers workers’ compensation and inland marine insurance if you need coverage for employees or equipment.

While it is a newer insurance company, Next is continually expanding its offerings. Its personal trainer insurance is available in all 50 states. The National Association of Insurance Commissioners (NAIC) tracks complaints filed with the Department of Insurance at the state level. Next Insurance has received a lower-than-expected number of complaints.

Conveniently, Next has an app for iOS and Android where you can manage your policy, file claims, and create and share an unlimited number of COIs.

In around 30 seconds, we received a quote for general and professional liability insurance for one day of coverage that cost $50.32. Each coverage had a total limit of $1 million.

We also received a second quote for a personal trainer that cost $83.26 monthly. This quote included general liability, professional liability, and inland marine coverage. The general liability had a limit of $1 million per occurrence and $3 million aggregate, while the professional liability had a total limit of $1 million. Meanwhile, the inland marine had $2,500 in coverage for tools and equipment. Adding cyber insurance costs $8.33 monthly.

Both the short-term and annual policies were available same-day and online.

Thimble is a newer company and is still expanding, but its liability coverages are available nationwide. Through your online account or via the app, it allows you to manage your policy, file a claim, and instantly create and share a COI. It is well-reviewed by customers, with 4.4 out of 5 stars on Trustpilot^[3] from more than 1,600 reviews.

While Thimble offers daytime hours, there isn’t any way to reach a customer service representative when you call the phone number—the line offers prompts and different email addresses depending on your need. However, you can chat online or reach out via the app.

We received quotes for multiple types of coverage for a nutritionist.

1. The first quote was for a professional liability policy. It carried a total limit of $1 million with a deductible of $500. It cost $78.30 monthly. The highest coverage limit you can receive online is for $1 million but limits do go up to $5 million if you are willing to call.
2. The second quote was for general liability and cost only $33.32 monthly. This policy had limits of $1 million per occurrence and $2 million aggregate.
3. The third quote we received was for cyber insurance. This one cost $30.99 monthly and carried lower limits of $250,000 in total coverage with a $10,000 deductible.

All of the quotes were for insurance policies that could be purchased online for same-day coverage. When you purchase a policy from Hiscox, the company will immediately mail you your policy documents so you won’t experience a delay in showing you have proof of insurance.

Hiscox’s hours are Monday through Friday from 7 a.m. to 10 p.m. ET. You can file a claim online at any time, and if it is an emergency, you will receive contact information.

Online, you can manage your policy by changing the address, submitting documents, requesting documents, and creating a COI. Generating the COI is fast and easy: all you’ll need is your email address. If you need to add an additional insured or landlord to the form and then generate one, you can do that online too.

Customer service has improved steadily with Hiscox. Currently, the number of complaints racked by the NAIC is lower than expected. Hiscox also publishes online reviews from customers on its website^[4]. Currently, there are over 900 reviews with an average rating of 4.7 out of 5 stars.

Its general liability automatically includes professional liability and has five options for coverage—the difference between each being the coverage limit. The limits range from $1 million to $5 million per occurrence. They all have the same level of coverage for damage to premises rented to you, which is $1 million.

For option one, it costs $194, while for the top level of coverage, it costs $1,034. Those costs require certification. If you are not a certified trainer, then the price increases to $245 and $1,110, respectively.

Sadler offers online account management and the option to create an instant COI. You can also talk with a representative via live chat. If you’d like to speak to someone, their call center is open Monday through Friday from 8 a.m. to 5 p.m. ET.

Its services seem sparser than any of the other insurance companies listed here, and from our research, it appears that the only way to file a claim is to download a form, fill it out, and send it back.

It is difficult to find any reviews of Sadler, especially since it is unclear which carrier it works with. On Facebook^[5], it has 4.7 stars from nearly 100 reviews.

Personal trainer insurance is a policy, or combination of policies, that protects a fitness trainer against claims of negligence. And depending on the insurance purchased, it can also help replace or repair property owned by the fitness instructor. The most common type of insurance for fitness trainers is a combination of general and professional liability.

Together, general and professional liability can cost anywhere from $700 to $3,000 annually for a fitness professional. The wide range is indicative of the scope of potential risks involved with the industry. You can expect to pay less if you are an individual fitness trainer and can expect to pay more if you own a gym.

A COI is proof of insurance. As a fitness trainer, gyms where you rent space will likely request a COI showing you have adequate coverage. The gym may want to be added as an additional insured to the certificate too. For these reasons, it is important to choose an insurer that lets you modify and generate COIs quickly.