Personal Trainer Insurance: Cost, Coverage & Providers

Cody Cromwell
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How Personal Trainer Insurance Works

This is one of the more exciting new developments in the fitness industry. Because of the health benefits associated with exercise, and the enhanced self-esteem you get from a good workout, personal training has a big appeal – and your insurance may or may not cover trainer expenses.

Personal trainer insurance is typically summed up as follows:

Your insurance company may not cover your time and/or services (usually in-home training), but should cover the fees charged by a trainer or coaching services your trainer provides. However, the expenses associated with the tools, exercise and nutritional supplements your trainer uses are not covered.

So, you’ll need coverage of at least a portion of your personal trainer fees to obtain coverage for your personal trainer. Your plan can also help ensure that your trainer is aware of limitations you face which could affect your health status, such as pre-existing health conditions. As your personal trainer and your insurance company work together, you may decide to set up a … training program, with weeks dedicated to cardio, strength training, and anaerobic fitness. Your plan might also include coverage for spa treatments, which are a great way to relax your muscles and your mind, too.

Who Needs Personal Trainer Insurance?

It’s no secret that people love working out, but what do you do when you have a health scare? Most people don’t have family or close friends with the necessary health insurance to cover this type of thing. In fact, a recent study found that at least one in three Americans don’t have health insurance. So they’d be responsible for the direct cost of any medical treatment.

That’s why it is paramount for anyone involved in competitive bodybuilding to have personal trainer insurance or similar coverage. Personal trainer insurance pays for the cost of any necessary medical treatment or expenses due to injury or illness.

The Coverage Includes

Health insurance for the personal trainer and their clients, whether they work full time or on the weekends.

A stipend for expenses incurred at your health club, such as gym membership fees, trainers’ fees, childcare while at the gym, and food.

When to Consider Personal Trainer Insurance

If you’re in good enough shape to get a head start on personal trainer insurance, you may be in good enough shape to want to continue personal training.

Key Personal Trainer Insurance Policies

Medicare will pay for the services of a qualified personal trainer or group fitness instructor. Medicare will provide reimbursement for incidental physical therapy visits that are the result of certain rehabilitative and therapeutic exercises.

If you have a personal trainer, you should consider whether you should purchase liability and/or workers’ compensation insurance. The following policies are key important ones when considering these costs.

Liability insurance is generally purchased to protect yourself in the event of an accident caused by your personal trainer. Personal trainer insurance is becoming more common. It typically comes in three types: contractual, errors and omissions, and professional peer liability. Contractual insurance is designed to limit your exposure to claims for bodily injury sustained during regular fitness sessions.

Errors and omissions insurance is designed to create a layer of protection for you against claims that stem from personal trainer acts and omissions for periods longer than the typical fitness session. Many trainers recommend purchasing both contractual and errors and omissions insurance, as there is usually no cost to adding the second policy.

Professional peer liability insurance (or trainer protection insurance) is designed to cover you in the event that you accidentally injure a member of a class and are sued by them. Continuing education type of insurance policies are a type of professional peer liability insurance policy and can be purchased with varying degrees of coverage and limits.

There are other important policies that most personal trainers purchase as well. These include the following:

General Liability Insurance

Although personal trainer insurance is available, it is very expensive. This is because of factors like rising insurance premiums, growing case studies and growth of personal training in the market. Personal trainer insurance covers the expenses and losses a trainer may have resulting in a total liability lawsuit.

It may have uninsured and underinsured errors. The trainer will need enough coverage to cover his or her training expenses, the injuries and incidents that may occur during a class or workout. Personal trainer insurance covers individual cases in which a client intentionally or willingly causes bodily injury to the trainer.

Personal Trainer Insurance Benefits

The policy offers a training insurance for client and the trainer. Personal trainer insurance covers various injuries that may occur during training. It is intended to pay for the personal liability and compensation for damages that may be involved in the training process. The policy also covers accidents at the gym, or any other sporting venue that may involve the trainer. It usually covers the punitive damages, if any, including additional damages for pain and suffering.

There are different coverages available to choose from, which include:

  • Injury to the trainer
  • Property damage
  • Medical expenses
  • Bodily injury
  • Property damage
  • Liability
  • Coverages to choose from

The right insurance coverage generally depends upon the type of business that a trainer does. Personal trainer insurance may cover different options depending on the size and type of business that the trainer owns.

Commercial Property Insurance

Agents: Your Personal Trainer Insurance Company

Securing your gym is an important aspect of your business, and to ensure a long lasting fitness career, you’ll need the right, affordable coverage in place. Preparedness is crucial to your gym’s success and regular insurance checks are the ideal way to tackle the challenge.

Here are some other important factors you need to keep in mind:

The gym plays a significant role in your life as well as your clients’. The last thing you would want is a dirty, damaged gym, due to lack of regular maintenance. Even if you are your own coach, you’ll need to ensure your clients’ wellbeing.

Your training studio is the perfect showcase for your brand. Ensure a proper repair for any damage that may occur by working with seasoned professionals.

As much as employees are important to your business, you can’t afford to compromise the safety of your customers. To ensure a worry free gym experience, you will need insurance to prevent the damage caused by fire or theft.

Commercial property insurance (CPI) is a necessity that everyone needs while starting and running a gym. There are many types of commercial property coverages, here are some of the most common benefits, their price and what you can use them for:

Business Property Insurance

Professional Liability Insurance

Personal Trainer Insurance Costs Details

You will be surprised at learning that personal training insurance is an absolute necessity for the trainers as it protects the personal trainers from the monetary loss, especially when they have to take hospitalization for injuries. Many people do not think that the insurance is essential for them but they are wrong. One needs these types of insurance when they start their careers as personal trainers and when they fall really ill in old age.

Personal Trainer Insurance Cost

Two types of insurance policies are available:

Retirement insurance coverage: When an individual becomes retired, he/she will draw a retirement income from their own stored funds or would have to depend on a retirement income which is provided by a retirement account or by an annuity.

Recreational insurance coverage: The organization provides a recreational policy to cover injuries suffered by its employee due to an accident during their work.

Both the types of insurance policies will be provided to the employee through the organization because it is considered to be the responsibility of the organization to protect its employees and to pay for the medical expenses when the employee is ill.

As a personal trainer you have to be constantly on your feet and involved in the training activity. This will increase chances of you stepping on lethal objects in the premises and getting injured. This type of risk is covered by personal trainer insurance and will act as a protection for you when you need it.

Personal Trainer Insurance Costs by Policy

Imagine coming home from an intense workout and then realizing your basketball shorts are ripped, your sneakers have cracks in them, and your custom ab bench is missing from the corner of the room. You’d probably be pretty bummed out and feel the need to run out and buy a new pair of shorts, shoes, and ab bench.

And that is definitely what you’d be able to do if you had an injury and had a personal trainer cover.

When looking for personal trainer insurance, not only will you need to figure out if it will cover injuries or not, but you’ll also need to decide if you want your personal trainer to be on your policy or not. And then lastly, you’ll need to decide on how much or how little coverage you’d like.

You should also keep in mind that personal trainer insurance will not provide coverage for every type of accident that can occur in the gym and in home health clubs. The main things that it probably will cover though are:

Accident or injury damage to the personal trainer’s client.

Any injury sustained by the personal trainer in the line of duty, including major or minor strains and sprains, falls, and athletic injuries.

Top Personal Trainer Insurance Providers

The costs involved in an effective fitness program can be hefty, from the annual membership at the local health club, to personal trainer sessions, to equipment, supplements, and eating right. Personal trainer insurance will protect you from unexpected injuries and other incidents that may result after you’ve invested in your fitness program.

To help you find the right coverage, we surveyed 13 different personal trainer insurance companies and consulted with the experts to find the top players out there. We based our final list of the best personal trainer insurance companies on how we ranked each company in certain categories. We also considered how each company covers the following:

  • +How many personal wellness programs they provide
  • <——Personal Trainer Insurance Combination
    • How many wellness discounts they offer
  • =——Personal Trainer Insurance Comparison
  • +How many training locations they provide
  • +How easy it is to file a claim

They each offer a variety of personal trainers in different areas and at different price points.

For a better understanding of the type of coverage each company provides, read our industry insights below.

Of the companies surveyed, one scored the lowest in every category with an overall score of five out of 50.

Company Score Overall Score


Com – Best Personal Trainer Insurance for Life Coaches

If you’re a personal trainer, the best insurance you can get is life insurance. This insurance will protect you, your practice, and your family for life.

Although life insurance is not common knowledge for trainers, personal trainers need to realize the life insurance aspect of their business in order to improve and protect their livelihoods.

Whether you are planning to start your business, or already work with clients, the following article will help you uncover the best personal trainer insurance and the questions to ask your personal trainer insurance policy representative.

What You Need to Know about the Personal Trainer Insurance Market

If you are simply starting your personal training business, you will most likely be purchasing your life insurance through a non-agency representative (NAR). If you choose not to go through a life insurance agent, some life insurance companies will provide you with a life insurance policy directly. It is important to review these policies and determine if they are worthy of your investment.

The best insurance you can get is actually not what you may think of as insurance. It is what is called a cash value life insurance policy, or sometimes a variable life insurance policy.

However, in order to get one of these policies, you will have to buy it directly from the issuing company, most likely with a licensed agent who will be in charge of your application and sales.



CyberPolicy Personal Trainer Insurance provides you some of the industry’s best coverage and risk management for your personal training business. Personal trainers have the unique responsibility of earning the trust of their clients. And while trust is paramount to your business, it’s also what keeps you on the road and handling clientele comfortably.

The Personal Trainer Insurance Policy provides coverage for:

  • Instructor
  • Dangerous contact(s)
  • Evidence of coverage
  • Police officer’s arrest
  • Loss of earnings
  • Rate of speed
  • Crime
  • Personal trainer liability

CyberPolicy believes that protecting the personal trainers that are training the world’s best athletes for athletic success and elite clients is priceless.

Philadelphia Insurance Companies

Is there a Good Personal Trainer Insurance Rate?

There are many personal trainer insurance companies that cover your personal injury claim in the Philadelphia area. So which is the best company?

It's true that there are many personal trainer insurance companies that cover personal trainers. However, the Philadelphia area is also home to many insurance companies that are better for personal trainers than others. These insurance companies include:

The company that you choose should have many different kinds of coverage options, starting with SR22 insurance (which is mandatory for personal trainers to have), 24-hour emergency assistance, month-to-month benefits and valid physical therapy. A company that offers these coverage options is likely to have a low rate.

Things Change when You Get Drafted to the NFL or NBA

If you recently were drafted to the NFL or NBA, or you play professionally, your insurance rates may go up. If you apply for a personal trainer license in Pennsylvania, you will need to take the Pennsylvania Certified Instructor Academy. To successfully enter the academy you will be required to provide proof of liability insurance. Many insurance companies will require SR22.4, which covers personal injuries.

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