Skip to main content
  • Claims Center
  • Contact Us
  • Español
  • Brokers & Agents
Hiscox Insurance
Menu Toggle
  • Home
  • Small Business Insurance Toggle Menu Toggle Menu
  • Why Hiscox Toggle Menu Toggle Menu
  • Resources Toggle Menu Toggle Menu
  • Policy Management Toggle Menu Toggle Menu
  • Claims Center
  • Contact Us
  • Español
  • Brokers & Agents
  • About
  • Get a Quote Get a Quote
  • About
  • Get a Quote Get a Quote
  • Blog Home
    Start Your Business
    Grow Your Business
    Protect Your Business
    Celebrate Courage
    Search

    Small Business Insights

    Sign up to get the latest small business news delivered right to your inbox.
    Protect Your Business
    A personal trainer who carries gym insurance is training a client

    The Insurance Policies Every Personal Trainer Needs to Have

    Insurance 101 | Industry Spotlight
    By: Hiscox Blog

    Share Image

    Embed Image

    Copy

    Share Article:

    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 personal 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 personal 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 Personal Trainers Need Insurance?

    The short answer here is yes. As a licensed personal trainer, you may be required to carry insurance in order to maintain your license. Personal trainer 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 can cover defense costs, as well as any settlement or judgment.

    Types of Insurance for Personal Trainers

    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 type of insurance do personal trainers need? They 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.

    How Much Does Personal Trainer 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 personal trainers for claims up to $1 million. 

    Hiscox Insurance for Personal Trainers

    Hiscox offers customized general and professional liability insurance for personal trainers. You’ll get all the coverage you need, and nothing you don’t. You’ll also get expert resources to help you if you are involved in a claim or lawsuit.

    To learn more about liability insurance for personal trainers, visit Hiscox online or contact a Hiscox representative.


    Protect Your Business

    Protect the business you’ve worked so hard to build. Get a fast, free quote and your business could be covered today.

    Get a Quote
    Get a Quote
    Subscribe to our newsletter

    Related Articles

    4 Min Read
    to-do list on clipboard on a beach to help small business owners take time off work

    Taking time off when you're the boss: 9 tips

    Management | Entrepreneur

    As a small business owner, it can be a challenge to take time away, but with a little preparation and planning 

    Read More

    2 Min Read
    Female small business owner holds white poodle upside down in office

    Bringing your dog to work: Luxury or liability?

    Insurance 101 | Management

    Bringing your beloved canine companion to work can be one of the perks of being your own boss. After all, getting pet snuggles during the workday is great for morale. But is it always a good idea? Here’s what you need to know.

    Read More

    3 Min Read
    three employees sit in commercially leased space discussing small business

    Focus on liability insurance: does my commercial lease need it?

    Insurance 101 | Management

    If you're running your small business using a commercial space you may be wondering if your commercial lease requires you to carry liability insurance. Here's what you need to know.

    Read More


    We’re here to help.
    We provide tailored insurance for the specific risks you face, so you can take the right risks to grow your business.
    Get a Quote
    Get a Quote

    Footer menu 1

    • What We Cover
      • Business Insurance
      • General Liability Insurance
      • Professional Liability Insurance
      • Errors and Omissions
      • Cyber Security Insurance
      • Workers Compensation
      • Other Coverage
    • Who We Cover
      • Small Business Owners
      • LLC
      • Sole Proprietors
      • Entrepreneurs
      • Side Hustle
      • Contractors
      • Home Businesses
    • For Our Customers
      • Refer a Friend Program
      • Covid-19 Response
      • Claims Center
    • For Business Owners
      • Save with our Partners
      • Blog
    • About Hiscox
      • About Us
      • Careers
      • Contact Us
      • Hiscox Corporate
      • Investors
      • Foundation
      • Newsroom
      • Diversity, Equity and Inclusion
      • Affiliate Partner Program

    Footer menu 2

    • Accessibility
    • Site Map
    • Privacy Policy
    • Terms of Use
    • Legal Notices
    • Español

    Do Not Sell or Share My Personal Information

    Feefo Reviews: Hiscox rated 4.7/5 with 1,067 reviews between January 1, 2022 - January 1, 2023

    © 2023 Hiscox Inc. All rights reserved. Underwritten by Hiscox Insurance Company Inc., 30 N. LaSalle St., Suite 1760, Chicago, IL 60602. As of December 31, 2022, HICI had admitted assets of $1,458,861,470 and policyholders surplus of $380,056,863. Total liabilities were $1,078,804,607 (inclusive of $529,538,410 of loss reserves) and paid-up capital stock was $4,242,000.

    icon-facebook
    icon-youtube
    icon-twitter
    icon-linkedin