Why do you need fitness trainer insurance?

In this Article:

• Do fitness trainers need insurance?
• What’s the best personal training insurance to have?
• How much does personal training insurance cost?
• Why personal trainers and other fitness pros choose Hiscox
• How to get personal training insurance

Congratulations! You’ve decided to turn your passion for fitness into a career with your own personal training business. There’s a lot to do – get certified, register your business, find a space and build your customer base. As busy as you are getting your business off the ground, don’t forget to protect it with the right fitness trainer insurance coverage. Just as you encourage your clients to protect themselves by stretching before a workout, you need to protect your business from claims and lawsuits from clients or even employees.

Liability insurance for fitness trainers can protect your company if a client is injured, if there is damage to property, or even if a client sues you because they didn’t get the results they were looking for. 

Here’s what you need to know about liability insurance for your personal training business.

Do fitness trainers need insurance?

The short answer here is yes. If you’re a licensed sports or nutrition coach, strength trainer, a yoga or pilates instructor, or any other kind of fitness trainer, you may be required to carry insurance in order to maintain your license. Personal training insurance requirements vary from state to state, and these requirements are in place to help protect your personal training business from claims and lawsuits. Lawsuits are common and costly. Liability insurance for fitness trainers can cover defense costs, as well as any settlement or judgment.

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What’s the best personal training insurance to have?

There are two basic types of liability insurance: general liability and professional liability.

• General liability insurance covers third-party claims of bodily injury and property damage. If a client gets injured during training, you may be liable for their medical costs and even lost wages. General liability insurance could cover these costs.
   
• Professional liability insurance, sometimes called errors and omissions coverage, protects you against claims that you did something you shouldn’t have (an error) or didn’t do something you should have (an omission).

So, what’s the best type of personal training insurance to have? Fitness instructors should have both general and professional liability coverage. A comprehensive policy should cover the business owner as well as any employees or contract workers. Having the right coverage will protect your business if you are ever sued.

If you have employees in your personal training business, you may have additional requirements for insurance. Requirements for gym insurance may be different from those for a trainer who sees clients are their location.

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How much does personal training insurance cost?

There can be a lot of unexpected costs that come up when you’re opening a new business, and you want to keep expenses down. But many business owners are pleasantly surprised at how affordable liability insurance can be, especially when you consider how much protection it offers. Many policies protect fitness trainers for claims up to $1 million. 

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Why personal trainers and other fitness pros choose Hiscox

Personal trainers and other fitness pros like Pilates and yoga teachers, studio owners, and Zumba instructors often choose Hiscox because the coverage is designed around how they actually work – whether that means training clients at home, in a gym, or in another fitness setting. Benefits highlighted in the source text include customized insurance for fitness-related risks, fast online quotes, quick access to policy documents, flexible payment options, support for contract-related insurance needs, and responsive claims help when issues come up. Together, these features can make it easier to get protected and stay focused on running the business with confidence.

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How to get personal training insurance

Hiscox makes it easy to get personal training insurance online. You can get an instant quote and, in about 20 seconds, answer a few quick questions to see what type of coverage may fit your business and how much it may cost based on your specific needs.

If you need help, licensed agents are available to guide you by phone or online so you can choose the protection that makes sense for your business.

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