Personal Trainer Insurance

Protection for Personal Trainers and Fitness Coaches

You help others get stronger. We’ll help protect your business

Why personal trainers need specialized coverage

Every rep, every stretch, every client session comes with risks. One accident or claim could put your business on pause. Personal trainer insurance is designed to handle the unique challenges of your profession so you can focus on helping clients achieve their goals.

Protection for the unexpected

Liability coverage is at the heart of safeguarding your business:

  • General Liability Insurance – Covers claims of bodily injury (like a client slipping or equipment-related accidents).

  • Professional Liability Insurance – Protects against claims of negligence, such as incorrect advice or improper spotting.

These coverages help defend your business, your clients, and your reputation

Don’t overlook your equipment

Your gear, weights, mats, resistance bands, benches is the backbone of your work. Whether you’re training at a gym, client homes, or on the move, replacing stolen or damaged equipment can be costly.

  • Commercial Property Insurance – Covers equipment and supplies.

  • Business Auto Insurance – Protects your vehicle while traveling for work (where personal auto insurance may not)

Coverage that fits your business size

Costs depend on your services, location, and equipment. For many small training businesses, a Business Owners Policy (BOP)—combining liability and property insurance may be a smart, streamlined choice. Add-ons like cyber liability or workers’ comp can be tailored to your needs.

Beyond the basics

Even as a solo fitness professional, you face broader business risks:

  • Cyber Liability Insurance – Protects client data and digital systems.

  • Workers’ Compensation – Required if you have employees, covering work-related injuries.

  • Crime Insurance – Safeguards against employee theft or fraud.

Keep your focus on clients, not risks

Personal trainer insurance keeps your business strong so you can keep your clients stronger.

Personal trainer insurance helps protect you, your clients, and your business so you can focus on helping others achieve their fitness goals.

👉 Contact us today to explore the right coverage for your training business.

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