Injuries are a real possibility when helping clients achieve their fitness goals. Personal trainer insurance policies can protect your business from legal costs related to client injuries, or lawsuits alleging you failed to deliver promised results. They also cover fires, theft, data breaches, and employee injuries.
With Insureon, you can get personal trainer insurance coverage the same day you apply for quotes.
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These insurance policies cover the most common risks in the fitness industry.
A general liability policy covers basic third-party risks, such as a competitor who sues for defamation over a social media post. Bundle it with property insurance for savings in a BOP.
A business owner's policy, or BOP, is a cost-effective way for fitness professionals to buy general liability coverage and commercial property insurance together.
A professional liability insurance policy covers legal expenses related to work mistakes, such as an aerobic training session that causes an injury. It’s sometimes referred to as errors and omissions insurance (E&O).
This insurance covers medical costs from work-related injuries. Most states require it for businesses with employees, and it also protects sole proprietors from work-related medical bills that health insurance might deny.
Commercial auto insurance covers the cost of an accident involving a vehicle owned by your personal training business. Each state has its own requirements for auto liability insurance.
Cyber liability insurance helps your personal training company recover from data breaches and cyberattacks. It's strongly recommended for any business that stores customer information.
Professional liability insurance costs personal trainers less than $35 per month. Several factors will have an impact on personal trainer insurance costs, including:
It's easy to get business insurance for personal trainers, group fitness instructors, yoga instructors, and Zumba instructors if you have your company information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance plan for your personal training business, whether you work independently or run a health club.
Hear from customers like you who purchased small business insurance.
A standard commercial property policy covers your building and its contents. If you bring exercise equipment or other items to gyms, events, or clients' homes, you'll want to consider inland marine insurance.
Inland marine insurance covers mobile equipment during its use and storage off-site, as well as during transit. You can usually add this coverage to your commercial property policy or business owner's policy as an endorsement.
Personal trainer insurance is designed for the typical risks of the profession. If your work extends to stunts, tumbling, or pool activities, you may require additional coverage.
Some policies may not cover trainers who are younger than 18 or coaches of organized competitive sports teams. Talk to a licensed agent to make sure your insurance covers your business's unique risks.
If you offer virtual training, such as materials made available to clients on their own time, you can still get coverage. Check with an agent to make sure it's not excluded from any policies or to add endorsements as needed. Insurance companies offer policies with different coverage terms, which is why it's important to check.
Yes, it's possible to get fitness insurance regardless of where you train. However, you'll want to check with an agent to make sure your unique risks are included in the terms of your policy.
In some cases, you may need to add a gym as an additional insured on your policy. You may also want to ask the gym you work at if they can add you to their policy as an additional insured.
If you work at multiple gyms, you'll need to make sure you're covered at each place that you train.