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Best Personal Trainer Insurance of 2022

Bryan Keith

As a personal trainer, your goal is to help clients reach their fitness goals. Unfortunately, accidents and injuries are a high-risk factor for personal trainer businesses, and a client could blame the injury on the services and fitness instructions provided by you. Personal trainer insurance can help protect your business against claims of negligence, professional mistakes, and legal liability. We’ve evaluated the best business insurance providers based on coverage, financial stability, customer satisfaction, and overall quality.

Affordable plans and coverage provided within minutes

$2,000,000

Coverage Up To

$0 - $2,000

Deductibles

Overview

Next Insurance leverages AI technology to streamline the process to purchase insurance, track claims, and manage policies at no additional cost.

What we like

  • Affordable insurance plans
  • Customized coverage to fit your business
  • Get covered within minutes
  • Near instant access to proof of insurance
  • Quick and easy to process claims

What we don't

  • Not available in New York

Covers a wide range of industries

$2,000,000

Coverage Up To

$1,000+

Deductibles

Overview

Coverwallet began its journey in New York City in 2015 operating under the Aon Insurance banner. At Coverwallet, you can access everything you need to keep your company well-protected at an unbeatable price.

What we like

  • A skilled advisor to assist you
  • Free quotes from multiple insurance carriers
  • Covers low risk to even some high risk industries
  • Online account management

What we don't

  • No brick-and-mortar offices
  • Deductible costs

Customized solution to fit your business needs

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

With a 100-year history of insuring businesses, Hiscox is well-known across America and globally. With more than 500,000 small business customers, Hiscox is fully aware and trained in the unique risks a business can face.

What we like

  • Established insurance company
  • Dual auto insurance
  • Customizable insurance for over 180 industries
  • Deductibles starting at $0
  • Affordable rates

What we don't

  • Limited US offices
  • Coverage limited to $2 million online

Flexible coverage by the year, month, day, or by the job

$2,000,000

Coverage Up To

$0 - $10,000

Deductibles

Overview

Thimble provides business insurance that can be tailored to your business by the year, month, day, or even the job. At Thimble, the process to getting the right business insurance is simple, scalable, and flexible.

What we like

  • Scheduled coverage options
  • Coverage by the job available
  • Buy a policy online within minutes
  • No hidden fees
  • Affordable plans
  • Drone insurance

What we don't

  • Not available in New York

What is personal trainer insurance?  

If someone gets hurt or injured during a training session, you could be held liable for the medical treatment needed to recover. Health and safety risks are high and a client could take legal action against you for injuries and not meeting deadlines for fitness goals. 

Personal trainer insurance provides coverage for legal defense costs, third-party property damage, and the cost of medical treatment. 

Who needs personal trainer insurance?

Professionals in the fitness industry should consider personal trainer insurance. Types of instructors can include personal trainers, yoga teachers, gym instructors, and fitness instructors. 

When comparing personal trainer insurance policies, it’s a good idea to ensure that coverage includes the specific activities and classes that you will instruct. 

What insurance do personal trainers need?  

When taking out personal trainer insurance, it’s important to consider different types of coverage and policies to adequately cover your business for legal liability and potential financial losses. 

The most common types of coverage for personal trainers are:

General liability insurance

A general liability insurance policy for your business can help cover common risk factors such as a client falling over during a training session, requiring medical treatment to recover, or damaging client property with equipment. Unexpected events can happen and become a financial burden for your business. General liability insurance can help you pay for medical expenses and legal expenses related to an accident.

Coverage for general liability insurance can help cover legal and settlement costs if a client takes legal action against you, third-party bodily injury, damage to property that doesn’t belong to you, and accusations of libel and slander. 

Exclusions for general liability insurance can include employee injuries and illnesses, commercial auto accidents, commercial property that belongs to you, and professional errors and mistakes.

Professional liability insurance

Often referred to as errors and omissions insurance, policies can cover professional mistakes and errors if a client accuses you of negligence or breaching a contract. A client could claim that you provided incorrect instructions during a training session which led to an injury or an athlete could take legal action against you for failing to meet their fitness goals, resulting in a loss of career opportunities. 

Professional liability insurance provides coverage for negligence, breach of contract, professional mistakes, missed deadlines, legal judgments, and business errors.  

Exclusions can include property damage, workplace accidents, and intentional acts of wrongdoing.

Workers’ compensation insurance

If a personal training business has employees, in many states it is a requirement to have workers’ compensation insurance in place to protect employees from lost wages and medical care in case of accidents and injuries. For instance, if one of your trainers gets injured while helping a client lift weights, time off, medical care, and compensation for lost wages may be required during recovery. 

Workers’ compensation insurance coverage can protect a personal trainer business against medical expenses, lost wages, employer liability, permanent injury, and survivor benefits.  

Common exclusions include pre-existing medical conditions, professional negligence and mistakes, executive officers, and owners of the business.

Commercial auto insurance

If a personal trainer business provides services where a commercial vehicle is required to carry out business activities, many states require you to have commercial auto insurance in place. If, for instance, personal trainers are required to meet clients for training sessions, commercial auto insurance can help pay for accidents and damage caused to other vehicles. 

Coverage can include medical expenses, collision repairs, uninsured motorists, legal fees, theft, and property damage.  

Many policies exclude drivers under the age of 18 years old, passenger transportation businesses, and non-business-related driving.

Commercial property insurance

If your personal trainer business owns or rents a physical space to do business, you should consider commercial property insurance. Often combined with general liability insurance under a business owner’s policy, commercial property insurance can help protect damage to commercial property and business equipment. 

Coverage for commercial property insurance can include damaged equipment and inventory, lost income, equipment breakdowns, repairs to the structure of your building, and operating expenses for your business if forced to temporarily shut down.  

Exclusions can include repairs due to wear and tear, intentional damage to property by employees, flood damage, and earthquake damage.

What are the limits of personal trainer insurance?

Limits of personal trainer insurance depend on the type of policy you choose to take out, the location, and the size of your business. It’s important to consider limits to adequately cover yourself for risks because exceeding limits will result in out-of-pocket expenses for your business. In general, the more risk your business faces, the higher your limits will need to be.

Limits for general liability insurance can range between $1 million to $3 million per policy period depending on various risk factors of your business.

How much does personal trainer insurance cost?

Several factors go into the calculation of personal trainer insurance, and policy premiums can vary from one personal trainer business to the next. Basic plans for general liability insurance can start from as little as $150 per year. 

Here are some factors that insurers will consider when providing a quote:

  • Years of experience: As a new personal trainer, you could make professional mistakes due to a lack of experience and therefore your risk of liability is likely to be higher. As you gain more experience, this can lower your insurance premium.
  • Types of training sessions: Different types of training sessions can carry risk factors that lead to injury. If for instance, you provide heavy weight training, this could be considered riskier than offering aerobics. 
  • Professional qualifications: If you have accredited certification, this can help lower your insurance premium. 
  • The number of employees: The more employees you hire for a personal trainer business, the more extensive your coverage will need to be for workers’ compensation insurance to protect your employees against workplace injury and medical expenses.
  • The number of policies: Depending on the size of the personal trainer business, you may require fewer or more insurance policies to protect your business. 
  • Business location: Some locations can be more costly to insure than others, particularly if the area has a high number of lawsuits.

How to choose the best personal trainer insurance

When looking for the best personal trainer insurance policy, here are some key factors to consider before you make a purchase:

  • Online classes: If your personal trainer business carries out online training and virtual classes, ensure that this is included in your insurance coverage. 
  • Limits on hours: Some personal trainer policies can have limits on the number of hours you work, particularly if you work part-time. If you exceed your limits, this could void your insurance coverage.
  • Type of sessions and activities: Ensure that coverage includes the specific activities and classes that you will instruct. If specific personal training activities are not covered under the policy, it’s a good idea to call up the insurer for clarification.