Last Updated: February 22, 2024, 12:49 pm by TRUiC Team

Personal Training Business Insurance

Getting insurance for your personal training business is essential.

Personal training businesses need to be protected against things like claims of contractual breach, professional negligence, and privacy violations.

For example, if one of your trainers instructs a client to do unsafe exercises that cause them to injure themselves, your business could be sued for professional negligence.

We’ll help you find the most personalized and affordable coverage for your unique business.

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Recommended: Next Insurance is dedicated to matching small businesses with the right policy at the best price.

Best Insurance for a Personal Training Business

General liability insurance is — generally speaking — one of the most important insurance policies for personal training businesses. 

Some of the risks general liability insurance covers are:

  • Bodily injury
  • Property damage
  • Medical payments
  • Legal defense and judgment
  • Personal and advertising injury

To achieve more comprehensive protection for your personal training business, some of the following additional policies will also need to be used:

  • Professional liability insurance: Covers you from the costs of claims filed against you for negligent professional advice during your training sessions.
  • Commercial umbrella insurance: Provides your business with coverage in situations where the limits of your general liability policy are exceeded.
  • Product liability insurance: Ensures you are protected from the legal costs of any claims brought against you for any injuries caused by any products you sell.

Your personal training business will typically be presented with the choice between the two following types of insurers when searching for coverage:

  • Traditional brick-and-mortar insurers
  • Online insurers

While less renowned, online insurers like Tivly and Next are the preferred option for smaller businesses as they offer access to high-quality insurance at very affordable prices.

Let's Find the Coverage You Need

The best insurers design exactly the coverage you need at the most affordable price.

Cost of General Liability Insurance

On average, personal trainers in America spend between $350 - $750 per year for $1 million in general liability coverage.

Compare the average cost of general liability insurance for a personal training business to other professional industries using the graph below.

Several factors will determine the price of your policy. These include your:

  • Location
  • Deductible
  • Number of employees
  • Per-occurrence limit
  • General aggregate limit

You may be able to acquire general liability insurance at a discounted rate by purchasing it as part of a business owner’s policy (BOP) rather than as a standalone policy.

A BOP is a more comprehensive solution that includes multiple forms of coverage, such as business interruption and property insurance.

Graph showing average price of general liability insurance prices per industry

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Find the Best Rate

Discover the best coverage at the lowest rate in our cheapest business insurance review.

Common Situations That General Liability Insurance May Cover for a Personal Training Business

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Example 1: During a client training session, a dumbbell falls on the client’s foot. He can’t work for the next two weeks and is seeking compensation for lost wages. Your general liability policy should cover any medical bills and damages awarded.

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Example 2: After a personal training session, a client makes charges of improprieties and sexual misconduct on your part. Your general liability policy should cover your legal defense against these allegations.

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Example 3: You often conduct training sessions in the park, and the city requires you to show proof of liability coverage. A liability policy ensures that you and your staff can smoothly conduct your sessions.

Other Types of Coverage Personal Training Businesses Need

While general liability is the most important type of insurance to have, there are several other forms of coverage you should be aware of. Below are some of the most common types of coverage:

Professional Liability Insurance

Also known as errors and omissions insurance (E&O), professional liability insurance is important for any professional offering advice to clients. It covers negligence claims brought on by human misunderstanding or error, offering coverage for legal fees and settlements resulting from lawsuits.

Commercial Umbrella Insurance

Commercial umbrella liability insurance offers an extension of coverage, above and beyond the limits of the general liability policy. As with any physical activity, there is the risk of serious injury, which could lead to costly lawsuits. An umbrella policy would kick in and cover costs once the limits of your general liability coverage were reached.

Product Liability Insurance

As an extension of their business, many trainers sell exercise equipment and health and nutrition products. Product liability insurance offers protection should a product you sell lead to injury.

Product liability coverage is tailored to the specifics of your business and the products you sell.

Additional Steps To Protect Your Business

Although it’s easy (and essential) to invest in business insurance, it shouldn’t be your only defense.

Here are several things you can do to better protect your personal training business:

  • Use legally robust contracts and other business documents. (We offer free templates for some of the most common legal forms.)
  • Set up an LLC or corporation to protect your personal assets. (Visit our step-by-step guides to learn how to form an LLC or corporation in your state.)
  • Stay up to date with business licensing.
  • Maintain your corporate veil.

Personal Training Business Insurance FAQ

Yes, absolutely. You will need to first get a quote from an online business insurance provider like Next Insurance. Next allows you to then purchase a policy immediately and your coverage will be active within 48 hours.

A typical business owner’s policy includes general liability, business interruption, and commercial property insurance. However, BOPs are often customizable, so your agent may recommend adding professional liability, commercial auto, or other types of coverage to your package depending on your company’s needs.

"Business insurance" is a generic term used to describe many different types of coverage a business may need. General liability insurance, on the other hand, is a specific type of coverage that business owners need to protect their assets.

Yes. Your personal training business can expect to be faced with risks from the first day of its operation, which necessitate the proactive ownership of sufficient business insurance.

Furthermore, you may even be obligated to carry numerous policies if your business is obligated to obtain specific coverage (e.g., workers’ compensation and commercial auto insurance).

Not necessarily. Certain exceptions may be written directly into your personal training business insurance policy, and some perils may be entirely uninsurable.

Yes, an LLC is meant to create a legal barrier between your business and your personal assets and credit. If you haven’t formed an LLC yet, use our Form an LLC guide to get started.

An LLC doesn’t protect your business assets from lawsuits and liability– that’s where business insurance comes in. Business insurance helps protect your business from liability and risk.