Personal Trainer Insurance (Quotes, Cost & Coverage)

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Frequently Asked Questions About
Commercial General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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Personal Trainer Insurance

Personal Trainer Insurance

Personal Trainer Insurance. Sure, general liability is something every professional and business owner purchases; even personal trainers will have it. In the event a client slips and falls, is injured while working out with you, or if they are hurt using equipment in your facilities this will shield you.

From those doctor bills, medical care, and other costs which are tied to a lawsuit, personal trainer insurance will pay for those claims/costs. But, what additional policy coverage should you include with your policy and insurer you go through? These are some policy additions to consider.

Personal trainer insurance protects your business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.

Types OF Personal Trainer Insurance

Here are some of the major types of personal trainer insurance available:

Professional Liability - Also called errors and omissions insurance (E&O), in the event a client doesn't achieve the results, or isn't working as hard as they should, and claims you didn't do your job as a trainer, this form of coverage added to your personal trainer insurance policy will shield you from such claims and accusations. It protects you from claims of negligence. Due to the fact that some people simply have distorted perceptions of reality, and believe they can achieve far more than is possible, this type of claim arises frequently.

As a trainer, this will basically cover your business, and protect your good name in the industry, as a licensed and certified trainer, to move forward and make a living working with clients in the future.

General Liability - Bodily injury and property damage claims are covered under this personal trainer insurance coverage. This will cover you against claims which stem from libel, slander, and wrongful invasion of privacy. As a trainer, miscellaneous coverage will protect you and pay for costs, legal fees, and other monies which stem from such claims.

Sexual Abuse - Because you will be working with clients of a different gender (most trainers), this might be another form of insurance you choose to purchase when investing in a personal trainer insurance policy. If a single client claims you harassed them, or otherwise tried to do so, this can ruin your good name as a trainer. And, even when these claims aren't true, many people will try to say they are, simply to try and make money in certain situations. Your insurance can protect you in these instances, and against these false claims as well.

Accidental Injuries - If the gym you work at has equipment which is damaged and injures a client, you shouldn't be liable for this. Or, if a client slips, trips, or falls over equipment during a session, such claims can cost a great deal in terms of medical costs, and other fees to hire a lawyer. With this form of coverage added to your personal trainer insurance policy, you can protect yourself from having to pay these costs out of pocket if an accident or an injury occurs while working out with a client.

Commercial Umbrella - This form of personal trainer insurance is always wise to invest in (or at least get a quote for). If your liability limit on your policy isn't high enough for the claim and doesn't pay for all medical expenses, your umbrella coverage can. Umbrella is excess liability above your base liability policies.

Basically umbrella is going to protect personal trainers, so that they will not have to pay incidental costs out of pocket, if their basic or general policies do not have a sufficient limit in place to cover all costs which are tied to a lawsuit or a claim which has been filed by a current or former client.

Personal Trainer Insurance

As a personal trainer, you should compare several insurers, and choose one which specializes in this industry (fitness and health industry). Not only will they custom tailor personal trainer insurance policies for you, but will also offer varying policy coverage options, and limits, so that you can tailor a policy which specifically fits your needs, your budget, and the type of client you serve.

Before investing in a policy, or simply choosing the cheapest insurer, consider some of these additional policy options to add to your personal trainer insurance policy, when the time comes to protect yourself and your good name, from different claims which might arise in the normal course of business.

Small Business Economic Data & Insurance Regulations

Perhaps you have the next great idea for a product or service that you know will appeal to your local area. Maybe you want to contribute to the economic growth of your community. Whatever the reason is, if you're thinking about starting a small business, it's important to understand pertinent information relating to small businesses in the United States; namely economic information and insurance regulations. After all, if you want your small business to succeed, you have to understand the economic trends organizations of a similar size in your area.

Likewise, you want to ensure that your small business is well protected with the right business insurance and that you are in compliance with the rules and regulations that pertain to commercial insurance in your region.

Small Business Information

Read up on economic statistics and insurance information that relates to small business owners in the United States.

Small Business Economic Data In The United States

Here's a look at some information that was compiled by the Small Business Association (SBA) regarding the economic data that pertains to small businesses in the United States:

  • In 2015, small businesses in the United States employed an estimated 58.9 million American workers, or 47.5 percent of the nation's private workforce.
  • Largest shares = fewer than 100 employees. The small businesses that employed 100 people or less had the largest share of employment amount small businesses.
  • Employment increased by nearly 2 percent. In 2018, employment amongst small businesses increased by 1.8 percent, which is an increase of 1 percent from the prior year.
  • Increase in proprietors. In 2016, the number of small business proprietors increased by 2.3 percent.
  • In 2015, small businesses were responsible for creating 1.9 million net jobs. Organizations that employed 20 people or less had the largest gains, as they added an estimated 1.1 million net jobs.
  • There were 5.7 million loans that were value less than $100,000 issued by lenders in the United States in 2016. These loans were issued under the Community Reinvestment Act.
  • Small business owners that were self-employed at the incorporated businesses that they owned reported a median income of $50,347 in 2016.
  • Small business owners that were self-employed at the unincorporated businesses that they owned reported a median income of $23,060 in 2016.
Small Business Insurance Information

In the business world, there are many risks faced by company's every day. The best way that business owners can protect themselves from these perils is by carrying the right insurance coverage.

The The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight.

Commercial insurance is particularly important for small business owners, as they stand to lose a lot more. Should a situation arise - a lawsuit, property damage, theft, etc. - small business owners could end up facing serious financial turmoil.

According to the SBA, having the right insurance plan in place can help you avoid major pitfalls. Your business insurance should offer coverage for all of your assets. It should also include liability and casual coverage. The SBA recommends the following insurance plans for small business owners:

  • Commercial Property Insurance: In the case of an unplanned disaster - fire, flood, vandalism, theft, etc. - this type of coverage will help you avoid paying for the damage out of your own pocket. Even if you rent the property, you should still carry commercial property insurance.
  • Commercial Liability Insurance: In the event that a legal situation arises - a negligence lawsuit, for example - commercial liability coverage will provide financial protection. It will cover the cost of legal defense fees, court fees, and even moneys that may be awarded.
  • Commercial Auto Insurance: If you operate a vehicle for any activities that are related to your business - transporting and/or delivering goods, or meeting with clients - commercial auto insurance is legally required for businesses of all sizes, including small businesses.

Additional Resources For Health & Beauty Insurance

Learn about small business health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Health And Beauty Insurance

The health and beauty industries help people look good and feel great about their appearance and health. Some of the most popular are:

Cosmetologists - typically can help people with hair styling, cosmetics, and manicures and pedicures.

Estheticians - are trained to work with clients to treat skin care issues.

Hair Dressers & Barbers - offer a variety of services such as; hair cuts, styling, perms, hair dying and highlighting.

Health Club - Gyms, fitness centers, and health clubs focus on promoting healthy lifestyles and active living.

Massage Therapy, Reiki & amp; Acupuncture - can help relieve stress and improve your clients health. Work can be done in a salon, medical office, or home based. Also in your client's homes.

Permanent Makeup & Microblading - Offers coverage for permanent cosmetics, pigment removal and lightening, lasers/IPLs, and needling/MCA.

Salons - Similar to spas, salons are offer customers beauty treatments, services and products.

Spas - Have more exposures for the risks of faulty equipment, products, or unskilled employees that can injure customers.

Tattoo - Tattoo parlor and body-piercing coverage is designed to address the specific risks of artists and their studio.

Yoga & Pilates - forms of exercise designed to improve mind, body and spiritual wellness.



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Personal Trainer Insurance
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Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, LLoyd's of London, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.

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