Personal Trainer Insurance
Save up to 19% a year on personal training insurance with Insurance Canopy*
Affordable, Personal Training Insurance Tailored to YOU
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Instant Coverage
Get your personal trainer liability insurance in 10 minutes or less with our online application.. -
Flexible Payments
Purchase personal trainer insurance by the month or save with annual payments — your choice! -
Lifetime Protection
Our occurrence form coverage means you're covered for life for accidents that fall under our general and professional liability coverage that occur during your policy period.*
Enjoy financial peace of mind, plus helpful tools and resources to power your business — at no extra cost — with Insurance Canopy.
What Is Personal Trainer Insurance?
Liability insurance for personal trainers is coverage specifically designed to protect you, your business, and the work you do with clients. It combines general and professional liability coverage into one plan.
It may also help you pay for medical bills, legal fees, or the cost to repair or replace damaged or stolen equipment, should a claim be brought against you.
You take on a lot of responsibility as a trainer since you’re directly involved with a person’s health, so it’s important to have the right coverage in case something goes wrong.
How Much Does Personal Trainer Insurance Cost?
Monthly personal trainer insurance costs $15 a month, or you can save 13% by switching to an annual policy for just $159 a year.
Our base policy includes coverage for general and professional liability, as well as the option to add on tools and equipment insurance, cyber liability, and diet and nutrition coverage.
Find out more about our insurance costs and coverage for personal trainers.
Do Personal Trainers Need Insurance?
Yes! No matter how careful you are, accidents can happen. Having personal training liability insurance can make handling accidents and claims easier.
Train at multiple gym locations, give nutrition or dietary advice, offer online sessions, or work with clients outside of a gym — your coverage goes with you! We offer coverage to personal trainers in a variety of general and niche practices, such as:
- Aerobics Instructors
- Barre Instructors
- CrossFit Trainers
- Dance Instructors
- Freelance Personal Trainers
- Golf Instructors
- Group Fitness Instructors
- Health Coaches
- Nutrition Coaches
- Online Personal Trainers
- Performance Coaches
- Physique and Bodybuilding Coaches
- Pilates Instructors
- Spin Instructors
- Weightlifting Coaches
- Yoga Teachers
- Zumba Instructors
Online Personal Trainer Insurance
Virtual classes are more popular than ever. Insurance Canopy is proud to provide coverage for online personal trainers, allowing you to expand how you teach.
Our policy covers personal trainers who teach live online classes or offer pre-recorded training sessions.
Customize Your Personal Trainer Insurance Policy
Coverage Details
General & Professional Liability Limits
$3,000,000
$3,000,000
The amount your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$100
Optional Add-Ons
Price
$1.33–$5.55/month
The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$8.25/month
$6.83/month
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$15–$30/year
Why Choose Insurance Canopy for Personal Training Liability Insurance?
We Have a (Nearly) 5 Star Rating
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Questions About Personal Trainer Insurance
What Types of Insurance Do Personal Trainers Need?
Personal trainer insurance requirements include general and professional liability insurance to cover the most common claims you might face. These main insurance types can pay for claims of injuries, illnesses, or property damage.
You can create a customized personal trainer liability insurance policy to fit your business’ needs:
General Liability (Public Liability) helps with claims of injuries or damages caused by your business. If someone trips over extra gear lying on the ground or accidentally drops weights during a session, you may be covered for the resulting costs.
Professional Liability (Malpractice Insurance) may cover claims of injuries or damages caused by the services you offer. This could be a client getting hurt while lifting weights or accidentally breaking a machine during a session.
Gear & Equipment (Inland Marine) is an optional coverage you can add to your policy for only $1.33 per month! It helps to insure movable property you use as part of your business, like workout equipment used during classes or filming gear used for virtual sessions.
Medical Expenses is a no-fault coverage limit on your policy that may apply to medical bills, funeral expenses, emotional damage, loss of income, and similar expenses that arise from accidents related to your business or services.
Occurrence Form Coverage is automatically included in all our policies, offering trainers lifetime coverage for claims related to accidents during your policy period. If a client is hurt and years later has medical complications related to their injury, you can still file a claim.*
Property Damage (Damage to Rented Premises) offers protection for buildings and their contents in case of loss or loss of income-producing abilities. The damages or losses are covered if sustained through an event such as a fire or explosion.
What Are Examples of Personal Trainer Insurance Claims?
Imagine you’re training a client and they accidentally fall off a treadmill and damage a wall. The gym owner says you need to pay for the repairs, so you file a claim with your insurance to have help covering the repair costs to the wall and for the injuries to the client.
In another scenario, let’s say you’re an online trainer who makes fitness videos for people who work out at home. Someone is following along to your video when they pull a muscle and need physical therapy to recover. They want you to pay for their medical bills because they blame their injury on your advice. You could file a claim with your insurance to have help covering this expense.
Our personal trainer insurance may cover claims examples like these (and more).
What Is an Additional Insured? Can I Add Them to My Policy?
An additional insured is another person or organization who could be named in a claim caused by your negligence. Some written contracts or employment agreements may require you to add them as an additional insured.
You add additional insureds to your policy to extend coverage to them in the case of a claim. If you are responsible for an accident, but more than one party is being held liable, you and your additional insured(s) could be covered.
Some examples of additional insureds include:
- Gyms
- Property managers
- Franchises
- Businesses
- HOAs
- Event centers
- Health & wellness centers
One additional insured is $15, but for just $30, you can add an unlimited amount of additional insureds to your policy.
Whether you need freelance personal trainer insurance to meet gym requirements, or you simply want to build trust with business partners, listing additional insureds is a great way to ensure all relevant parties are covered.
When Will My Insurance Go Into Effect?
You get to choose what day your policy will start. This is the day your insurance will go into effect. You can select today as your start date and enjoy instant coverage from Insurance Canopy.
You can log on to your dashboard to access your Certificate of Insurance, edit any personal or business information, review your coverage details, contact our agents with questions, and more. This allows you to access your account and view your documents wherever you are.
On your online dashboard, you will also find an insurance “site seal” you can display on your website, print on your business cards, or show in your office. It can help your business become more credible and set you apart from the competition.
Can I Get Personal Trainer Liability Insurance by the Month?
Absolutely! Insurance Canopy makes it easy for you to get personal trainer insurance on a monthly basis. Simply select your payment type at checkout and enjoy flexible coverage (starting at $15/month!) that fits your business needs.
Remember: You can save long-term by making one annual payment. It’s a hassle-free way to make sure you’re covered throughout the year, too.
Find customized personal trainer insurance that keeps up with you — every rep, every session, every month!
Still have questions regarding liability insurance for personal trainers? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
Phone: 844.520.6993
Email: info@insurancecanopy.com
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