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What kind of insurance is best for personal trainers?
Personal trainer insurance is critical if you are a credentialed personal trainer. You can be sued – even if you have done nothing wrong. Personal trainers can be sued for injuries sustained during workouts, chronic pain experienced after fitness training, or even bodily damage that occurs during training through no fault of your own. Your best solution is to protect yourself with personal trainer insurance.
The coverage that is best for you depends on the details of your business. Many Hiscox customers optimize their personal trainer insurance by choosing both professional liability insurance and general liability insurance policies. To assure that you get the best coverage for your business, see the examples below.
Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance), is personal trainer insurance coverage for claims against businesses that provide professional and personal services – for businesses like yours. When is it important to have professional liability insurance for personal trainers? Examples include:
- Claims of negligence: A personal trainer instructs an older client to perform a specific exercise that involves a lot of physical exertion. Following the exercise, the client feels dizzy and experiences chest pain and has to be rushed to the hospital. The client later claims that the trainer caused her heart attack and mental anguish. Having professional liability insurance (errors and omissions insurance) protects you if such a claim is made.
- Loss of personal information: By mistake, you misplace a file with sensitive client information, including financial information. It was an accident of course, and the information is compromised. If your client sues you, we will cover claims subject to your policy's limit of insurance.
Also known as malpractice insurance for personal trainers, professional liability protects personal trainers if they are sued for making a mistake. It’s important to note that you can be sued for malpractice whether you actually made a mistake or not, and such a lawsuit can arise months or years after the event allegedly took place.
Learn more about professional liability insurance.
General liability insurance, sometimes called commercial general liability (CGL) is personal trainer insurance that protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Having this kind of coverage is beneficial in several instances:
- Bodily injury: While waiting to begin a personal training session, a client accidentally trips over another customer’s gym bag and blames the trainer for not keeping the area clear. General liability insurance protects you against third-party claims for bodily injury and, the extent you are liable up to your policy limits, and related medical costs.
- Property damage: You’re visiting a client’s home and accidentally knock over a computer monitor, breaking it. Your general liability policy will cover the subsequent claim, up to your policy's limits of liability.
Learn more about general liability insurance.
Why personal trainers choose Hiscox:
You need personal trainer insurance to watch out for your practice, just like you watch out for your clients. Hiscox is here to do just that.
- Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
- Tailored Insurance: Insurance custom tailored to meet your needs and save you money.
- Claims responsiveness: When a covered claim is reported, we will immediately defend you even if the claim has no basis and, if necessary, appoint an attorney.
- Worldwide coverage: We protect you for work done by your business anywhere in the world, as long as the covered claim is filed in the United States, a U.S. territory or Canada.
- Trust Us: Hiscox maintains a 97% customer satisfaction ranking, and we’re rated ‘A’ (Excellent) by A.M. Best.
This overwhelming majority of our insureds are confident in recommending us to their circles – which means they’re more confident operating their businesses with Hiscox behind them.
Get a fast, free quote now and get that Hiscox confidence behind your business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday through Friday from 8am-10pm EST.
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Hiscox Customer Reviews
Timothy, Jacksonville, FL
“The experience was easy and informative, everything was online .this was my first time with this type of insurance.”
The experience was easy and informative, everything was online .this was my first time with this type of insurance.
Michael, Kamuela, HI
“Excellent service by Hiscox”
Robbin, New York City, NY
“Spoke to a real person”
I spoke with a representative who asked me questions about my business, and became genuinely interested in what I do as a teacher. I felt a personal connection, and that is extremely valuable to me.
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Experience was quick and easy.
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My service agent was awesome! She was knowledgeable , quick, fun to chat with, but very very professional in her dealings with me. I respect that and appreciate your service and business.
Underwritten by Hiscox Insurance Company Inc., a Chicago based insurance company. This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.
The A.M. Best rating is for HICI which, as of December 31, 2014, had admitted assets of $149,432,027 and policyholders surplus of $55,021,013. Total liabilities were $94,411,014 (inclusive of $27,773,319 in reserves) and paid up capital stock was $4,200,000.
This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.