Personal Trainer Insurance

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Find the best insurance for personal training

Having insurance as a personal trainer is a good business decision. The inherent nature of your job makes injury to clients more likely. You need to protect yourself because of the hands-on nature of your interactions and the type of advice you offer. Personal trainer insurance plans offer liability protection if you have a dispute or legal issues arise. Whether you provide fitness training in your home gym, onsite at a client's home, in a public gym or even online, we’ll ensure you're covered.

Personal trainer insurance highlights

Insurance for personal trainers starts at about $300 per year.
While not mandatory, it's highly recommended for personal trainers to get insurance, considering the risk of injury and liability.
Personal training insurance can be personalized based on your fitness service offerings.

What is personal trainer insurance?

Personal training insurance is a package of coverage for all types of personal training and health and fitness professionals who provide instruction. It offers liability protection from common fitness industry training risks. It can provide coverage for injuries, accidents, equipment, and products depending on your needs. Policies are intended for individual trainers.

This is different than Gym insurance or coverage for a fitness facility.

Why do I need insurance to offer personal training and fitness services?

woman working out with trainer at the gym

As a personal trainer, you provide advice. Your clients take physical action and adjust their diets based on your recommendations. So, if you offer a bad consultation, there is a risk of injury, illness, and adverse health consequences. Here’s a list of threats personal trainer insurance can protect against:

Bad health advice
Client injuries from your instruction
Slip and falls
Equipment malfunctions
Damage to a client’s home or a third-party property
Theft of your equipment
Privacy issues related to client information

Who should have personal trainer insurance?

All personal trainers and fitness instructors should have insurance. This includes:

Self-employed personal trainer
Certified personal trainer
Canfitpro personal trainers
Athletic trainers
Fitness specialists
Strength and conditioning coaches
Virtual personal trainers
Weight loss specialists
Bodybuilding trainers
Powerlifting trainers
Gym instructors
Health coaches
Cardio trainers
Fitness class instructors
Aqua fit instructors
Yoga and Pilates instructors
Wellness and nutritionists
Freelance personal trainers
Mobile personal trainer

What does personal trainer insurance cover?

Personal trainer insurance includes many types of small business insurance coverages. You can personalize your policy to include specific types of protection based on the training services you offer. Here is what personal training insurance covers:

Personal trainer liability insurance: This is a customized type of commercial general liability insurance designed for personal training professionals. It protects against injury and damage to property.
Professional liability insurance: This protects you if you give bad advice that leads to a client getting injured or becoming ill.
Product liability insurance: This is liability protection if you sell health products, supplements or equipment.
Commercial property insurance: This protects your home gym and equipment and equipment if damaged or stolen.

Other types of coverage that could be added to your policy include coverage working with children and other vulnerability groups, enhanced personal injury coverage, contractual liability, advertising injury, accidental death and dismemberment, and more.

How to get personal trainer insurance quotes

Our team of commercial insurance brokers can help all types of fitness trainers compare the best insurance quotes. You’ll get the policy you need to protect your business and fit your budget:

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How much does personal trainer insurance cost?

As an independent personal trainer, you can get an affordable insurance policy to protect you as you work with clients. Depending on your services, you can find liability policies for basic plans as low as $300 annually. But again, the cost of your insurance will depend on many factors. Speak with our team to assess your insurance needs and ensure you have the best coverage.

What factors affect personal trainer insurance premiums?

Many things can affect how much you pay for insurance. Some you can control, and others you cannot. Most people want to know why their premiums are set at a certain number. Here is a list of the top factors that determine your training insurance costs:

Fitness services and class offerings
Your equipment
Where you offer services (home gym, public gym, client home)
Your level of experience in the fitness industry (certifications, education)
Insurance policy limits and coverage selection
Years insured and claims history

What are some examples of personal trainer insurance claims?

There’s always a chance that something could go wrong when training clients or running a personal training business. Here are some scenarios where personal training insurance can help:

Providing improper instruction and a client gets injured
The equipment you brought to a client's house damaged their floor
A client tripped over a dumbbell in your home studio and was injured
Overnight, someone broke into your home fitness studio and stole your gym equipment
A client was injured when a piece of your fitness equipment malfunctioned

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2024-09-26

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2024-09-24

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2024-09-24

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Personal trainer insurance FAQs

Is insurance mandatory for personal trainers?

Insurance is not legally required for personal trainers. However, you may need proof of insurance if you plan to offer your services in a public gym or space. Clients may also request that you provide proof of coverage before they sign up for your services. Liability protection is highly recommended to protect you if clients are injured during training sessions.

Do you need insurance to become a personal trainer?

No. You do not require an insurance policy to become certified as a personal trainer in Canada. Insurance is an essential form of protection for all types of businesses, including anyone offering training services to the public.

Do I need insurance if I am an online personal trainer?

Yes, all types of trainers should have insurance. Even if you are not physically in the room with your clients, you still provide a professional service. They are acting on your advice, and you could still be liable if they are injured.

Online personal training has certainly risen in popularity, and these online sessions will be covered under your general liability coverage. Speak with your broker and let them know if you offer these types of online services, whether live or pre-recorded.

Does personal trainer insurance cover me in multiple locations?

The location where your coverage applies depends on your policy. You can take out policies that will cover your services offered only at a specific location, such as your home studio. Or, you can get coverage that extends to public locations such as parks, community centers, and your clients' homes.

Save on personal trainer and fitness instructor insurance

Compare personal trainer insurance quotes to ensure you find the best coverage based on how you offer training services. Our advisors will identify potential threats and build a plan to protect you. Get affordable rates from the top Canadian commercial insurance companies and save more. Speak with us today. Call 1-855-550-5515 or request a quote online.

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