This article is part of a larger series on General Liability Insurance.
Companies with the best personal trainer insurance offer affordable policies, like professional liability, and great customer services, such as online account management and the option to create an instant certificate of insurance (COI). We researched top providers to find the five best providers of personal trainer insurance.
- Simply Business: Best overall for comparing quotes and saving money
- Insurance Canopy: Best for building the policy you need
- Next: Best for personal fitness instructors
- Thimble: Best for trainers who work special events
- Sadler Sports & Recreation: Best for trainers who own a small gym
Top Personal Trainer Insurance Providers Compared
Purchase Policy Online
Monday to Friday, 8 a.m. to 8 p.m. Eastern time
A- (Excellent) to A++ (Superior)
Monday to Friday, 8 a.m. to 8 p.m. Mountain time
Monday to Friday, 6 a.m. to 5 p.m. Pacific time
Monday to Friday, 9 a.m. to 6 p.m. ET
A- to A (Excellent)
Monday to Friday, 8 a.m. to 5 p.m. ET
Simply Business: Best Overall Provider for Personal Trainer Insurance
- No 24/7 call center
- Does not handle claims directly
- May be unable to offer property quote online
- Compare quotes from multiple top-rated providers
- Tailor real-time quotes to customize coverage
- Range of coverage options available
- Purchase a policy online or speak with a dedicated agent
Simply Business is an online insurance brokerage that specializes in small business insurance. Insurance is available in all 50 states, and it focuses on offering liability and workers’ compensation for smaller businesses with five or fewer employees, making it great for a personal trainer or a small gym.
The main strength of Simply Business is its partnership with 16 top-rated carriers, such as Berkshire Hathaway, Hiscox, and Travelers. This allows it to provide you with multiple quotes that you can compare and customize in real time, after which you can choose and purchase a policy online in ten minutes or less.
The ability to compare quotes with other providers makes Simply Business unique in this guide of providers; the rest give you a quote directly for a policy serviced by them. Meanwhile, Simply Business gives you real-time quotes from other providers that you can tailor to fit your needs.
However, some of its additional services are limited—most notably the claims process. If you have a claim, you are directed to contact the provider directly, although it does offer all of the contact information for each carrier’s claims department. If that isn’t getting you anywhere, or you are having trouble filing a claim, then you can reach out to Simply Business to initiate the claim.
Insurance Canopy: Best for Building the Policy You Need
- Coverages are limited to the program
- No 24/7 call center
- Does not handle claims directly
- Policy is designed for personal trainers with applicable coverages and limits
- Easy to build coverage and purchase policies online
- Account to manage policy and file claims
- Will cover a wide range of activities that fall under “personal trainer”
Insurance Canopy sells one customizable base policy designed for personal trainers and other instructors in the fitness space. The policy starts with general liability and professional liability, which costs around $12.50 monthly or $129 annually, and is available for personal trainers, yoga, dance, and Pilates instructors, CrossFit trainers, online fitness instructors, group fitness instructors, and others.
From there, you build the coverage you need, giving you control over adding what you need. Though options are limited, these are also specific to the fitness industry. For example, there is no option for workers’ comp or commercial auto, but you can get diet and nutrition coverage. As you add coverage, sometimes there will be a limit for options, like with inland marine for your tools and equipment.
This feature of building a policy is unique to the providers on this list. Although most let you add coverages, none have the same starting policy with simple selections of additional coverage to bundle what you want. It is a bit like a buffet—you can take the protein and check it out, or you can take the protein and whatever sides you want, check it out, and then the price will match what you selected.
Also, it has the easiest purchasing process, allowing you to purchase the policy in minutes. Besides that, the policy is designed broadly enough that you do not have to put much thought into it—you can just purchase a policy and have an instant COI.
Next: Best for Personal Fitness Instructors
- Newer carrier; still expanding coverage availability
- Weekday-only availability
- Smaller amount of available coverages than a more traditional carrier
- Affordable coverage for all three tiers
- Fast and easy process to purchase insurance online
- Commercial app to manage your policy, file claims, and create instant COIs
- Professional liability included in all quotes
Next Insurance is a direct-to-consumer provider, meaning it sells insurance online instead of through an agent, giving you the ability to save up to 25%. This direct-to-consumer model allows Next to provide policies at a lower rate than its competitors, which you can see in the costs below. Next offers insurance for personal trainers that covers you regardless of your location, so if you are a fitness instructor who works independently at multiple gyms or outdoor locations, the coverage is valid.
The policy it offers for personal fitness instructors automatically includes professional liability and accusations of abuse and molestation. Next has created a COI Analyzer that makes it very quick and simple to create and share a COI via its app. These benefits make Next ideal for personal fitness instructors, especially ones working as independent contractors who need to regularly show proof of insurance.
Next is the only true insurance carrier in this guide. Simply Business, Insurance Canopy, Thimble, and Sadler are all different types of brokers or agents working with carriers to provide coverage. This makes Next stand out as being the only true one-stop shop if you’re looking for an option where the billing, claims, and policy management are all handled by the same company.
Thimble: Best for Trainers Who Work Special Events
- No real way to reach anyone on the phone
- Claims are not handled by Thimble
- Annual policy may be more expensive than other options
- Very fast process to receive same-day coverage for short-term or annual policies
- App to manage policy, file claims, and create a COI
- Unlimited and free COIs generated via app or website
- Professional liability, general liability, and inland marine available for trainers
Thimble is one of the only commercial providers that offer short-term liability coverage. You can purchase coverage by the hour, day, or month for short-term liability, or you can purchase an annual policy too. If you have a full-time job but work as a trainer at special events, Thimble is the best provider, as you can get insurance in 60 seconds for an event and a COI to show your proof of insurance to the event organizer.
Its quote process is quick and simple—much faster than any other provider on this list. The process differs depending on whether you are seeking a short-term or annual policy, as the questions will get much more in-depth for an annual policy. That said, while it is similar to Next, one of the biggest differences is that Thimble does not handle its own claims.
It is also very tech-forward, so much so that it can be difficult to reach an actual person to discuss anything. The limits it offers can, at times, be lower than what you may need depending on the size of your business or risk exposure. Other options, like Sadler or Simply Business, can offer higher limits.
Sadler Sports & Recreation: Best for Trainers Who Own a Small Gym
- Have to fill out a form to report a claim
- No 24/7 call center
- Unclear information on which carrier is servicing the policy
- Insurance for independent trainers or trainers with a building
- Structured policies making shopping easier
- High limits for a relatively low premium
- Specialization in sports and recreation industries
Sadler is a national agency that specializes in offering insurance for the sports and recreation space. Of all the providers in this guide, it is the only one that specializes exclusively in sports, recreation, and personal fitness. It offers five levels of coverage for personal fitness trainers, and it also has insurance for small gyms with less than 3,000 square feet of space.
If you are a fitness trainer insured with it, you can save up to 38% off on fitness or studio insurance, making it a great option for a personal trainer who runs a small gym.
Sadler is a large agency that works with several carriers to offer a large number of policies for companies in the sports and recreation space. Rather than offering a quote, it has developed policy packages with carriers that come in multiple tiers and prices. The prices are also separate for licensed trainers and unlicensed trainers, with unlicensed trainers needing to pay more.
Its services seem more bareboned than any of the other providers 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. All of the other providers, including Simply Business, give you the option to file it online.
That said, with the convenience it offers, the ability to purchase a high-limit policy at an affordable price, the option to bundle that with coverage for a free-standing building or gym, and its exclusive experience in the fitness space, Sadler is a provider to consider.
How We Chose the Best Personal Trainer Insurance Providers
We determined the best personal trainer insurance companies with our in-house proprietary evaluation system. In evaluating them, we focused on the customer’s needs. We paid particular interest to convenience, financial ratings (from AM Best), customer service, types of policies offered, and the overall experience as a policyholder for a specific provider.
Just like you approach training methodically, we’ve applied our own method to evaluate the best providers for personal trainer insurance. Simply Business is the best overall provider. As a digital broker, it can help you find the right coverage quickly, tailor quotes in real time, and then let you purchase the insurance in ten minutes or less.
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