Personal Trainer Liability Insurance
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Injuries are a serious possibility when assisting customers in reaching their fitness goals. Personal trainer insurance coverage can protect your company from legal fees resulting from client injuries or lawsuits alleging you failed to deliver on promises. They also include coverage for fires, theft, data breaches, and employee injuries.

Personal Trainer Liability Insurance 

Personal trainer liability insurance protects personal trainers from financial losses resulting from injuries or accidents during a training session. Specialized personal trainer insurance can provide the following protection:

#1. Public Liability insurance

I understand that most personal trainers do everything possible to keep their customers safe during sessions, yet accidents sometimes happen. As a result, for many personal trainers, the most crucial insurance is public liability.

Public liability insurance protects you if you or one of your clients causes property damage or injures yourself during a session. For example, you could be liable if one of your clients damages gym equipment during one of your sessions. Public liability insurance protects you against such claims, ensuring your business is not harmed.

Most gyms and sports centers where personal trainers work demand proof of public liability, which is essential if you want to utilize these facilities.

#2. Professional Indemnity Insurance

Being an effective personal trainer includes giving your clients competent advice. Even the most experienced personal trainers might occasionally give the wrong advice, potentially leading to an accident. As a result, you require professional indemnity insurance.

You could be liable if a client suffers a severe sprain or even a fractured bone due to an exercise you recommended and claims it was due to your negligence or simply lousy advice. Professional indemnity insurance protects you against such claims.

#3. Sports Equipment Insurance

Comparatively, it is understandable that many personal trainers rely on various vital equipment to provide the best service possible to their clients.

Despite your best efforts, transferring your equipment to and from the gym or clients’ houses, combined with new and inexperienced clients using it for the first time, might result in mishaps.

That is why some insurers provide sporting equipment insurance, which will pay you if your equipment is lost, stolen, or damaged. Furthermore, if it is less than a year old, it will be replaced with a brand new item if the claim is successful.

#4. Personal Accident Insurance

Even the most experienced personal trainers might be involved in an accident. It makes sense to protect oneself if anything happens, whether minor injuries requiring physiotherapy or more severe events resulting in broken bones or lifelong disablement.

Personal accident protection of no more than $50,000 can help cover the cost of essential physiotherapy or dental treatment or give compensation if you suffer an accidental death, permanent disablement, limb loss, or loss of sight due to an accident during one of your sessions.

Best Personal Trainer Liability Insurance 

Personal trainer insurance can be obtained through partnerships with organizations like Nationwide and Progressive Insurance Company or smaller companies like Insure Fitness Group. Some health and fitness groups even collaborate with insurers to give members unique plans.

Some of the most reputable insurance companies for personal trainers are as follows:

#1. Next Insurance

Overall, Next Insurance may be an excellent alternative if you need insurance quickly.

Next Insurance provides specialized personal trainer insurance that often covers general liability, professional liability, workers’ compensation, and commercial property coverage. Next charges three levels for their typical packages, depending on your required coverage limits.

You can acquire rates and manage your complete insurance policy online with Next, add more insureds, and obtain certificates of insurance at no additional cost.

#2. Hiscox

Hiscox provides personal trainers with general and professional liability insurance. Hiscox’s plans cover work done anywhere in the world, so if you conduct foreign yoga retreats or boot camps, this insurance company could be a good fit.

Hiscox offers insurance quotes online. Some customers may be able to finish their purchase online, while others may need to contact and speak with a qualified representative. 

#3. Insure Fitness Group 

If you’re looking for industry experience, networking, or more resources, Insure Fitness Group could be a good fit.

Personal trainers and other fitness professionals are the only ones who may get business insurance via Insure Fitness Group. The company’s customized personal training policy covers general liability, professional liability, product liability, rental damage, and stolen equipment.

The Insure Fitness Group policy costs $179 annually but only $59 for personal trainer students.

Insure Fitness Group, like Next, allows you to create a quote, purchase your policy, and maintain your coverage online. Insure Fitness Group also provides its members discounts, unique materials, and other industry-specific benefits.

#4. Sadler Sports and Recreation Insurance

Sadler’s insurance is comprehensive and adaptable. Because they specialize in sports and recreation, they have many alternatives, including teams, tournaments, leagues, and sports camps, which most other suppliers do not. They also provide diverse sports and outdoor activities, such as hunting, bow fishing, shooting, conservation, collectors, sportsmen, archery, and re-enactment groups.

When it comes to more traditional types of fitness experts, they will first encourage you to make the choice that best describes your function. Each type of insurance is specifically tailored to fulfill the demands of a US-based professional who works as an independent contractor and supervises others.

Personal Trainer Liability Insurance Cost 

According to the NASM website, personal trainers can obtain professional and general liability insurance from Next for as little as $132 annually. For $179 per year, Insure Fitness Group provides packaged coverage.

Finally, the cost of your personal trainer’s insurance will depend on criteria such as 

  • Coverage limits.
  • The number of policies
  • The location of a
  • The type of training you provide.
  • Your professional credentials
  • The number of employees you have
  • Previous claim history

Overall, the higher your premiums will be, the more risks your organization faces—and the more coverage you require. A personal trainer who works from home, for example, will most certainly have lower business insurance rates than one who rents space in a gym and employs someone.

Ace Personal Trainer Insurance 

ACE, like NASM, is most known for its personal trainer certifications and specialized CPD programs. Personal trainers can also get insurance through them.

The benefit of their coverage is that it covers the trainer regardless of where they train clients—gym, park, or client’s home. It would be an excellent choice if you operate a diverse business and see clients in multiple locations. It even covers up to 30 days if you travel outside the United States and deal with clients abroad. This is a particularly odd aspect of the ACE policy, making it difficult to defeat if you instruct clients in numerous locations.

There are policy liability limits of one year or two years, with three tiers of protection available within each. That implies you may be covered for up to three, four, or five million dollars with one-year coverage or a two-year commitment. Prices rise in lockstep. Annual cover has limits in three areas: sexual abuse, products used by customers, and property damage. 

The following are the one-year liability limits:

  • $1,000,000 per occurrence fee and $3,000,000 annual total at $172 per year
  • $2,000,000 per occurrence charge and $4,000,000 annual total at $215 per year
  • $2,000,000 per occurrence fee and a total annual fee of $5,000,0000 @ $218 per year

The two-year liability limits are as follows:

  • $1,000,000 per occurrence fee and $3,000,000 annual total at $294 per year
  • $2,000,000 per occurrence fee and $4,000,000 total annual fee of $380 each year
  • $2,000,000 per occurrence fee and a total annual fee of $5,000,0000 @ $386 per year

The following are the specific limitations:

  • Sexual abuse liability is $100,000 per case, with a $300,000 yearly limit.
  • The client’s liability limit for products used (such as supplements prescribed by the trainer) is $1,000,000.
  • The coverage for property damage is $100,000.

Personal Training Insurance Without Certification

Generally, personal trainer insurance is an easy decision for serious professionals interested in pursuing a fitness career. Personal trainer liability insurance is a must-have tool to protect you long-term, especially in today’s healthcare environment. However, how can you obtain personal trainer insurance if you are not yet certified as a personal trainer? 

To become a Certified Personal Trainer (CPT), you must complete an official course and pass a test. Numerous educational institutes provide courses and examinations to become a CPT. However, not all programs are created equal. Most gyms prefer completing one of the “big four” programs: NASM, ACE, NCCA, or NBFE. Remember that these are all certified programs well-regarded in the fitness industry as you consider your educational alternatives. 

Even when in training, you may face liabilities as you complete the program. Personal trainers must get up close and personal with clients engaged in an active exercise routine, which increases the likelihood of an accident or injury. Most trainers do an excellent job of keeping an eye on their clients and avoiding errors, but accidents occasionally happen. 

This is when personal trainer liability insurance comes in handy. When an event occurs, that would otherwise cost you a large sum of money out of pocket. Your insurance plan kicks in to cover the loss. That is why, as soon as you start becoming a CPT, you should look into getting personal trainer liability insurance. So, no, you don’t need your CPT to receive personal trainer insurance; rather, you should consider getting insurance before completing your CPT.

What Type of Insurance Must a Trainer Maintain? 

Personal trainers must have liability insurance, no matter how experienced, knowledgeable, or professional they are. 

What Is Professional Indemnity for Fitness Instructors? 

Professional indemnity insurance protects you from legal action as a result of advice given; it also provides financial help if you are injured while doing the activity for which you are insured and are unable to work.

What Is the Difference Between General and Professional Liability Insurance? 

General liability insurance protects against physical hazards such as injuries and property damage. Professional liability insurance protects you against more abstract hazards, such as errors and omissions in your services.

Is NASM Better Than ACE? 

Because the exam is more challenging, NASM is more popular and respected than ACE, and the NASM-OPT (Optimum Performance Training) model is typically seen as superior to the ACE-IFT (Integrated Fitness Training).

Is Public Liability Insurance Worth It? 

While it is not required by law, if your home-based business requires you to receive visitors regularly, consider public liability insurance. While visiting your home office, a client could step on a stray wire in your hallway and break their wrist.

Why Can’t I Get Public Liability Insurance? 

There is no requirement for obtaining public liability insurance. However, if a claim is filed against you, you will be better off if you have insurance.

What Type of Contract Is a Personal Trainer? 

Basically, it is a summary of your professional agreement with the customer, containing critical facts to protect you legally if any infringements occur. Before beginning any client sessions, you should have a personal training contract.

Is a Personal Trainer a Deductible Medical Expense? 

Your regular workout clothes are not tax-deductible. This applies to you if you’re a freelancer who works out of a commercial gym.

Do I Need Insurance to Use a Gym?

If you are self-employed or work as a contractor and pay rent for access to gym or health club facilities or train individuals at home, work, or outdoors, you must have insurance to protect yourself from legal action if your client is injured.

Gym insurance comes in various forms, but the most crucial are public liability and malpractice insurance. 

Can I Get Insurance for Working Out at a Gym or Many Gyms?


You can receive fitness insurance regardless of where you train. However, you should speak with an agent to ensure your policy covers your specific risks.

In some situations, you may need to add a gym to your insurance as an additional insured. You should also ask the gym where you work if you may be added as an additional insured to their policy.

You must be covered at each gym location if you work at different gyms.

Bottom Line

Finally, personal trainer liability insurance protects you against various training programs and other health and fitness activities. This comprehensive insurance package covers popular programs such as Zumba, P90X, Pilates, HIIT, and many more. Chiefly, the plan includes coverage for general liability, personal liability, product liability, and various other claims. 

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