Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 25, 2021

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Personal trainers aren’t immune to being taken to court, and it’s the reason they need to know where they can get personal trainer business insurance. Personal trainers can purchase their policies from private insurance companies that sell business insurance, but they aren’t obligated to accept the first policy that is introduced to them. Several insurance companies may sell personal trainer business insurance, but not all policies will be alike

Compare personal trainer business insurance quotes today. Simply enter your zip code above to begin!

The Most Coverage for the Lowest Price

Personal trainers can find deals by receiving quotes from many insurance companies that sell professional liability insurance. These companies will price their products for people differently, which is why people have a chance to find the insurance they need for a lower price.

Personal trainers don’t have a choice; they must have personal trainer business insurance, so they might as well purchase it for the lowest possible price. After personal trainers have received their training and are ready to embark on their careers, they must be aware of the fact that they are in a business where people can be injured. When this happens, their clients may hire a lawyer and sue them.

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Why Personal Trainer Business Insurance Is Necessary

In the personal training business, people develop workout routines for their clients. What if a client was following the personal trainer’s plan and suffered a heart attack in the middle of the routine? This particular client can attribute the heart attack to the workout routine and sue the trainer.

Having proper personal trainer insurance coverage is just one of those things that are a necessary part of starting and growing a fitness business, much like you need to have the best personal trainer software for doing things like training clients, creating workout plans, scheduling clients, selling fitness memberships, and the like, The interesting thing is that the personal trainer isn’t required to be with the client when the heart attack occurs; this personal trainer can still be held liable. When this occurs, the personal trainer is going to need to hire a lawyer to defend him and this can be very costly as well as time-consuming.

What Is Personal Trainer Business Insurance?

In order for personal trainers to protect themselves from the types of lawsuits that can be filed against them such as the one described above, they will purchase what is called liability insurance. This insurance will help personal trainers keep their assets intact by paying for their legal defense and paying the amount of money that the defendant will be awarded.

Personal trainers have the option of not purchasing personal trainer business insurance if they are working in a gym that doesn’t require their personal trainers have it. But if they decide not to, they can experience unpleasant consequences:

1. Their legal bills could amount to thousands and thousands of dollars.
2. If they lose their cases, they will have to pay even more to the winner in the amount of thousands of dollars more.

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Limits of Personal Trainer Business Insurance

When people purchase their personal trainer business insurance, they will set limits for the policy. The limits will be how much the insurance company will pay in the event that their clients are sued. A good amount to purchase is a limit of at least $250,000. If a personal trainer is sued, the insurance company pays the legal bills and the amount due the injured client until the $250,000 price tag has been reached.

People can also choose to purchase even more coverage. Although $250,000 is recommended, a policy that gives personal trainers $500,000 worth of coverage would cover the personal trainer if the bills and the amount awarded to the defendant surpasses $250,000. If this is the case, the personal trainer would have to pay the difference, and this amount could be devastating and ruinous to that person.

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The Gym Has a Policy, Why Do I Need My Own?

Gyms will also have their own professional liability insurance policies and their employees may be covered under these policies, but there is the possibility that they are not. This is something that personal trainers need to make sure they ask before they decide they don’t need to purchase a policy of their own. Especially if they are independent contractors, personal trainers may not be covered under their gyms’ policies. Even as a gym owner, it’s easy to prioritize learning the fun things like digital marketing for gyms, instead of the need-to-have but not-so-fun things like gym business insurance coverage.

People who definitely need to purchase personal trainer business insurance, even if they are employees of a gym that has a policy are:

• Personal trainers who train people outside of the gym setting,
• Personal trainers who go from one location to another to train their clients.
• Personal trainers not covered under a gym policy.

General Liability Insurance

Determining how much liability insurance may be needed depends on the environment. For example, if a personal trainer is going to a client’s home, this trainer can’t be responsible for the safety of the house. The state the house is in would be the domain of the client, and this would mean that the personal trainer who is only training people in these situations wouldn’t need to purchase as much general liability insurance.

Some trainers provide the equipment for their clients to use. If this is the case, their liability has increased because the equipment can malfunction and cause injury. These trainers will want to purchase more general liability insurance than those who have less control of the equipment and the surroundings. Those needing the most insurance coverage will be personal trainers who have control of the environment such as those who are training clients in their homes.

Professional Liability Insurance

This would be the type of insurance that protects personal trainers from lawsuits resulting from negligence. If the clients experience any injuries because the trainers neglected to inform them of something important, they will have reason to sue their trainers.

If a personal trainer decides to purchase general liability insurance as well as professional liability insurance, they may purchase it from private insurance companies. These private insurance companies are in competition with each other, so it will benefit them to make these companies work for their business.

Comparing quotes right on this website is what will make these insurance companies try to offer the best deals, and personal trainers will receive these quotes for free. Simply enter your zip code below!