Best Insurance for Personal Trainers Compared
5 Best Personal Trainer Insurance
Compared:
Coverage, Cost,
& How to Choose
The best insurance company for most individual personal trainers is Insurance Canopy, due to its combination of affordability, flexibility, transparency, customer service, and ease of purchase.
Below are five popular personal trainer and fitness instructor insurance options, accompanied by a breakdown of costs and coverages for each. We’ve made this comparison guide to help you better understand what each company offers and how to choose the best one for you.
- Insurance Canopy: Best overall personal trainer insurance
- PHLY (Philadelphia): Martial arts and swim instructor coverage
- NEXT: Broad range of add-ons and commercial business bundles
- Insure Fitness Group: Partnership discounts on select continuing education courses
- beYogi: Teacher-in-training/student instructor policies
*Note: Transparency is one of Insurance Canopy’s core brand values. This guide was created with the most recent and verifiable information available at the time of writing to help our readers identify which provider is best for their business (even if it’s not us).
5 Top Personal Trainer Insurance Providers Compared
| Insurance Provider | Starting Costs* | Coverages Included | Base Coverage Limit Compared | Same Day COI / Buy 100% Online |
|---|---|---|---|---|
|
Insurance Canopy |
$15/month $159/year |
General + Professional Liability Products–Completed Operations Personal & Advertising Injury |
$3 million |
|
|
PHLY (Philadelphia) |
$172/year No monthly payment options |
General + Professional Liability Sexual Abuse Liability Products Liability |
$3 million |
Buy online: Yes Same day coverage: No (only next day) |
|
NEXT Insurance |
$26.25/month
$315.00/year
|
General + Professional Liability |
$3 million |
|
|
Insure Fitness Group |
$17.78/month $189/year |
General + Professional Liability Identity Protection Plan |
Liability: $3 million Identity protection: $25,000 |
|
|
beYogi |
$16.87/month $179/year |
Professional + General Liability Identity Protection Plan |
Liability: $3 million Identity protection: $25,000 |
|
Insurance Canopy
| Starting Costs* | Coverages Included | Base Coverage Limit Compared | Same Day COI / Buy 100% Online |
|---|---|---|---|
|
$15/month $159/year |
General + Professional Liability Products–Completed Operations Personal & Advertising Injury |
$3 million |
|
PHLY (Philadelphia)
| Starting Costs* | Coverages Included | Base Coverage Limit Compared | Same Day COI / Buy 100% Online |
|---|---|---|---|
|
$172/year No monthly payment options |
General + Professional Liability Sexual Abuse Liability Products Liability |
$3 million |
Buy online: Yes Same day coverage: No (only next day) |
NEXT Insurance
| Starting Costs* | Coverages Included | Base Coverage Limit Compared | Same Day COI / Buy 100% Online |
|---|---|---|---|
|
$26.25/month $315.00/year |
General + Professional Liability
|
$3 million |
|
Insure Fitness Group
| Starting Costs* | Coverages Included | Base Coverage Limit Compared | Same Day COI / Buy 100% Online |
|---|---|---|---|
|
$17.78/month $189/year |
General + Professional Liability, Identity Protection Plan |
Liability: $3 million Identity protection: $25,000 |
|
beYogi
| Starting Costs* | Coverages Included | Base Coverage Limit Compared | Same Day COI / Buy 100% Online |
|---|---|---|---|
|
$16.87/month $179/year |
Professional + General Liability
Identity Protection Plan
|
Liability: $3 million Identity protection: $25,000 |
|
*Starting monthly cost was obtained by completing applications for those providers who offer an online quote process, and whenever possible, for a policy with the same limits as our base policy (e.g., $1M per claim / $2M per policy term). With some providers, your actual starting cost could change based on your location, annual revenue, etc. To provide an honest comparison, our buyer is a solopreneur (no employees) based in Hartford, CT, earning $50,000 or less per year.
Insurance Canopy: Overall Best Insurance for Personal Trainers
Cost:
- $15/month
- $159/year
Key Coverages Included With an Annual Plan
- General liability and professional liability ($2 million per occurrence/$3 million total)
- Products – completed operations ($3 million)
- Personal and advertising injury (included within general liability)
- Damage to premises rented to you ($300,000)
- Medical expense ($5,000)
Add-ons
- Additional insureds (+$15/year for one, +$30/year for unlimited)
- Gear and equipment coverage (inland marine) ($1.33-$5.55/month)
- Cyber liability ($8.25/month)
- Diet and nutrition coverage ($6.83/month)
- Sexual Abuse & Molestation (SAM) Insurance ($10.33/month)
Standout Features
- Instant coverage and certificate of insurance (COI)
- Easily customized coverage
- User-friendly online dashboard
- Policy auto-renewal available
- Most affordable and transparent pricing
- Most consistent pricing, with base premiums the same in every state, unlike some other providers
- A-rated carrier
- Quick, simple application
- Customizable add-on coverages
- Customer service from licensed, non-commissioned agents available in English and Spanish
- Easy to file a claim online
- Online dashboard for 24/7 access to manage your COI, additional insureds, etc.
- No coverage for brick-and-mortar gyms
- Only one coverage limit option for general and professional liability
Based on our research, Insurance Canopy is the best personal trainer insurance for most based on affordability, coverage customization, and ease of use.
Personal trainer policies start at $15 per month or $159 per year with $3 million in general and professional liability coverage. This cost-to-coverage ratio provides the best bang-for-your-buck on the market.
Our online dashboard makes managing and updating your policy easy. From there, you can add optional coverages, change your payment information, or access your certificate of insurance anytime.
Some providers have a 100% online quote and purchase process like Insurance Canopy, but don’t provide the same level of personalized service. You can speak to a licensed, non-commissioned agent in English or Spanish to help you get the right coverage, meet contract requirements, file a claim, and more.
Pro tip: Learn more about personal trainer liability insurance costs — how much it costs, what changes the cost, and more.
PHLY (Philadelphia) Insurance: Martial Arts & Swim Instructors
Cost:
- $172/year in Ohio, as well as most states (compared for our buyer persona, including $3M in general liability coverage)
Key Coverages Included
- General and professional liability ($1 million per occurrence/$3 million total)
- Sexual Abuse liability ($100,000 per occurrence/$300,000 total)
- Products liability ($1 million)
- Medical payments ($2,500)
- Damage to premises ($100,000)
Add-ons
- Additional insureds (no cost)
- Potential higher limits (require calling the company and underwriting consideration)
Standout Features
- Provides coverage for international business trips no longer than 30 days
- Covers martial arts instructors (no weapons training) and swim instructors
- Includes sexual abuse liability coverage with a base policy
- Additional limits and two-year policy options for select partners
- Also provides fitness studio plans
- No monthly payment options
- Limited customization
- Not available in Louisiana
- Lower per-occurrence limit ($1 million) than Insurance Canopy ($2 million)
- Lower medical expense coverage ($2,500) than Insurance Canopy ($5,000)
- Lower rented premises coverage ($100,000) than Insurance Canopy ($300,000)
Philadelphia Insurance (PHLY) covers a wide range of industries and is the largest insurance company on this list. This allows the company to offer policies created specifically for gym and studio owners and individual personal trainers.
Unlike most insurance companies, PHLY covers martial arts and swim instructors, though there are still conditions and exclusions. Unique to PHLY as well is the inclusion of sexual misconduct liability coverage in its base policy.
PHLY also has partnerships with fitness organizations that allow trainers to purchase discounted policies or policies with higher limits online, which may be advantageous for members of those organizations. Otherwise, there are few additional customization options available.
NEXT Insurance: Bundling Commercial Business Coverages
Cost:
- $26.25/month (compared for our buyer persona, including $3M in general liability coverage)
Key Coverages Included
- General and professional liability ($2 million per occurrence/$3 million total)
- Damage to rented premises ($100,000)
- Medical expense limit ($5,000)
Add-ons
- Employment-related practices liability (EPLI) coverage
- Commercial auto
- Commercial property
- Workers compensation
- Cyber coverage
- Terrorism Coverage (Certified Acts)
- Abuse & Molestation Coverage ($100,000)
- Tools and equipment coverage (we were unable to verify availability or cost, as it was not offered as an add-on during the application process)
Standout Features
- Multiple limit options to choose from
- Ability to bundle coverages
- Options for commercial brick-and-mortar gyms
- Multiple limit options for their included coverage types (medical expense, rented premises damage)
- Wide range of add-on coverages
- Errors and omissions (professional liability) are included in the base policy
- Costs more for $3 million in general liability vs Insurance Canopy
- Unable to customize a quote with equipment coverage
- Online/AI customer service only; must go through the AI chatbot to be connected with live service reps
- Your price can increase based on your state, unlike Insurance Canopy
- Lengthy application and purchase process
- Unable to view details of coverage chosen on checkout page
NEXT insurance provides a broad range of coverage options, including general liability, commercial auto, commercial property, and workers’ compensation. Commercial auto also offers numerous add-ons, such as rental reimbursement, towing, and labor.
NEXT also offers an instant COI, which is a plus if you need to show proof of insurance at the last minute. The AI-driven customer service may be fast, but if you need to speak to a human representative, you’ll need to chat with the bot first.
Insure Fitness Group: Discounted Continuing Education Resources
Cost:
- $189/year (compared for our buyer persona, including $3M in general liability coverage)
Key Coverages Included in Annual Policy
- General and professional liability ($3 million)
- Personal injury and advertising Injury ($1 million)
- Identity protection ($25,000)
Add-ons
- Additional insureds ($10/each)
- Unlimited additional insureds ($30)
Standout Features
- Multiple partnerships that include discounts for continuing education courses
- Covers SUP yoga
- Includes identity protection coverage ($25,000) for trainers
- Stand-up paddleboard (SUP) yoga is covered (with stipulations)
- Policies available for student trainers
- States they provide access to health, dental, and vision insurance through MetLife (further information about this partnership was unavailable)
- Costs more for $3 million in general liability vs Insurance Canopy
- Monthly payment plans are run through PayPal and include a PayPal processing fee
- At time of review, PayPal Credit financing was not available
- Only add-on coverage available is for additional insureds (unlike other providers who offer cyber liability, equipment coverage, and sexual molestation coverage)
- Per occurrence limit is lower than other providers ($1 million vs. Insurance Canopy’s $2 million)
Insure Fitness Group’s base policy includes identity theft coverage for trainers, which covers legal fees and recovery costs if your identity is stolen. Base policies also cover stand-up paddle board yoga, which many other companies exclude.
Unlike Insurance Canopy, Insure Fitness Group offers limited customization other than adding additional insureds. However, IFG’s partnership discounts on select continuing education courses are unique.
beYogi: Student Teacher & Part-Time Instructor Policies
Cost:
- $350 (single event coverage)
- $179/year standard policy (compared for our buyer persona, including $3M in general liability coverage)
- $169/year for part-time (10 hours/week or less) instructors
- $334 for two years
- $60/year for students
Key Coverages Included in Event Policy
- General and professional liability
- Personal injury and advertising Injury ($2 million)
- Identity protection ($25,000)
Add-Ons
- Additional insureds ($10/each)
- Unlimited additional insureds ($30)
- Microblading ($499)
Standout Features
- Weekend customer service hours
- Customers can donate a portion of their premiums to a global organization
- Affordable rates
- Online application (but no instant quote)
- Customer service is available seven days a week
- Doesn’t offer instant quotes
- Event policies only (no annual plans) – super-expensive if you work more than a few gigs annually)
- Insurance Canopy’s event policy is cheaper at $59/event, vs $257 with One Day Event for an event policy for a wedding with 200 attendees
- General liability coverage only
- Property damage coverage limited to $300,000 in $1M per claim, $2M per policy, unlike other providers
While beYogi covers other fitness modalities, the primary focus is on yoga, Pilates, and bodywork services. Similar to Insure Fitness Group, beYogi policies include coverage for SUP yoga. Policy customization is limited to adding additional insureds or microblading coverage.
BeYogi also offers discounted liability policies for part-time trainers and students. To qualify for the part-time policies, instructors must not teach over 10 hours per week. Student policies are convenient for those enrolled in teacher training programs who may only teach with supervision as part of their certification program.
What to Look for When Comparing Personal Trainer Insurance Policies
Most personal trainers want affordable, easy-to-purchase insurance they can easily manage online. But insurance can be confusing, so it’s crucial to compare your options on an apples-to-apples basis.
For example, some companies’ actual costs are based on your location and/or how much you earn. Base coverage types and coverage limits and can also change between providers, as well as what’s available as an extra add-on coverage.
Here’s what to compare to decide which is the best personal trainer insurance for you:
- The cost per month or year (factoring in discounts and variables based on income and location)
- The amount of coverage included (the “aggregate” limit is the total amount the policy pays out in one policy period, and the “occurrence” limit is the maximum amount per individual claim)
- Add-ons you need (do you own equipment you need to insure? Do you have employees? Do you need commercial auto insurance?)
- Scalable options (are you growing your business, and does your insurance need to adjust with you?)
- Exclusions (do you teach niche classes, even only occasionally, that may be specifically excluded from coverage?)
Top Questions About the Best Personal Trainer Insurance Options
How Long Does It Take to Get Approved for Personal Trainer Insurance?
At Insurance Canopy, you can get personal trainer insurance in 10 minutes or less via our online quote process. You just need to answer a few business and coverage questions and input payment information. Once your payment has been processed, you’re immediately covered.
Does Insurance Canopy Provide Coverage for Online Trainers or Virtual Sessions?
Yes. Insurance Canopy personal trainer and fitness liability policies cover online or virtual training. Whether you train online, in person, or both, your policy covers you.
Is Personal Trainer Insurance Different From General Liability Insurance?
General liability insurance is a type of insurance coverage that specifically applies to injury and property damage you unintentionally cause others.
Personal trainer insurance is an insurance policy made up of several types of insurance coverages, including general liability. So general liability is one type of insurance coverage, whereas personal trainer insurance is a collection of coverages designed for trainers.
Do I Need Insurance if I’m Employed by a Gym or Fitness Center?
Most of the time, yes. Working with or for a gym does not mean the gym’s insurance automatically covers all of your training services. Many facilities will require you to have your own liability insurance as part of your employment agreement.
Even if a studio’s insurance covered you at their location, it would not cover you for any training you do outside that organization with your own, private, non-gym-member clients.
Can I Get a COI From Insurance Canopy Online?
Yes. All you need to do is log in to your online dashboard and download your proof of insurance.
Personal Trainer Insurance Isn’t Just Paperwork…It’s Peace of Mind.
Avoid last-minute panic and excessive worry by getting your personal trainer insurance now instead of risking it becoming “too late” later. While all providers listed above are reputable, Insurance Canopy is our top pick for most personal trainers due to its balance of affordability, coverage, and ease of use.