Personal Trainer Insurance Cost

Insurance Guides      Business Insurance      Personal Trainer Insurance Cost

Every January, thousands of people sign up for a gym membership; they’ve decided to finally make physical fitness a priority. But week after week, month after month, their trips decrease. And even when they go, they wonder if they are really accomplishing anything. That’s why so many people hire a personal trainer. If you make an appointment you are more likely to show up. And when someone is telling you what to do, you might actually do it.

The benefits of hiring a personal trainer are exactly what make it so risky to be one. As a personal trainer, your job is to push your client to do things they really don’t want to do, with the promise they will see changes in their body. Of course, those results are not guaranteed. A client could be dissatisfied that they are not losing weight fast enough, or someone could get injured in one of your sessions. Personal trainer insurance is the best way to protect yourself from the impact of such potential claims.

We Cover in This Guide

In this guide, we will provide information about personal trainer insurance costs to help you make the best decision about your own policy.

  • How much does personal trainer insurance cost?
  • What is personal trainer insurance?
  • What does personal trainer insurance cover/not cover?
  • Benefits and risks
  • Tips for buying
  • Types of insurance you may need
  • FAQ
  • Summary

How Much Does Personal Trainer Insurance Cost?

Personal trainer insurance cost ranges from $39 to $89 per month and can be higher for custom coverage. The premium price for your policy will depend on factors including exposure, claims history, and the nature of the business.

Below are some typical policies that show personal trainer insurance cost.

How much does personal trainer insurance cost?

What is Personal Trainer Insurance?

The nature of your work as a personal trainer is inherently risky. You are required to push your client to do things that are uncomfortable and you cannot be certain about their limits. Even trainers with the most experience can misjudge something or make a mistake that causes an injury or damages property. Personal trainer insurance covers claims from these risks and allows you to help your client meet their goals without being overly concerned about what could happen if something goes wrong.

What Does Personal Trainer Insurance Cover?

There are countless potential claims that can result from your activities as a personal trainer. You could push a client to take one more rep and they tear a ligament. Someone could slip on some water on the floor. A piece of equipment could be mishandled, damaging property in the gym. Most personal trainer insurance policies protect you from scenarios that fall into the following categories:

  • Bodily injury
  • Third party property damage
  • Business personal property damage
  • Coverage for products/completed operations
  • Personal injury
  • Lost business income
  • Equipment breakdown
  • Work-related accidents and disease
  • Ongoing medical care (such as rehab)
  • Missed wages during recovery

What Does Personal Trainer Insurance Not Cover?

While basic personal trainer insurance covers most of your potential risks, there are certain scenarios that are not included in most policies. Some examples are:

  • A client is dissatisfied with their results
  • A client injured themself while taking your advice and working on their own
  • Immediate medical treatment for employees

You can often get protection from these potential claims by adding additional coverage to your policy.

Benefits and Risks

As has been previously mentioned, there are plenty of risks you and your business are subjected to when training a client. The benefits of insurance are clear–having personal trainer insurance coverage protects you from the financial and professional costs of fighting lawsuits and covers the damage if you are found liable. Additionally, customers will likely feel more comfortable hiring trainers with insurance. This may help build your client base. Insurance coverage also expands the places where you can work with a client. If you do not have your own facility or your own equipment, you may need to work at a gym or other public space. Such facilities may not allow you to operate without insurance.

Tips For Buying

When considering personal trainer insurance costs, keep the following in mind before making your decision:

  • Work with an independent agent: An independent insurance agent will help direct you toward providers that have the most experience working with your profession.
  • Bundle policies: Companies will often provide discounted rates when you combine certain key coverages. A common one is a business owner policy (BOP) that includes general liability and commercial property coverage.
  • Identify your risks: Be sure to thoroughly analyze your business, considering your clients, methods, and equipment, to know all potential risks. After that, choose the proper limits and include all the applicable coverages.

All Types Of Insurance You May Need

Professional liability insurance General liability insurance Workers' compensation
Commercial property insurance Product liability insurance Health insurance


Do I need personal training certification?

Yes, depending on the state you operate in and whether you work in a public gym. Additionally, some insurance providers require certification to provide coverage.

Does my virtual personal training business need insurance?

Yes. Even if you are not directly working with a client, if they are following your instructions and injure themself, they may sue and you could be found liable.

Do I need workers’ compensation insurance?

Most states require you to have workers’ compensation insurance if you employ at least two people.


Personal trainer insurance protects your business against the potential financial ruin of lawsuits relating to your business activities.

By understanding personal trainer insurance costs and determining your needs, you can know that your policy covers potential risks and feel secure that your business is safe.

Typical cost is


The cost for standard personal trainer insurance is $49 per month. The rate ranges from $39 to $89 per month and can be higher for custom coverage. Premium price will depend on several factors including exposure, claims history, and the nature of your business.

Related cost guides