Insurance for Personal Trainers

This type of insurance is also called errors and omission or E&O insurance. It is essential for personal trainers, like you, to have professional liability insurance to provide protection for claims made against your personal training business. Here is a hypothetical example:

• 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, experiences chest pain, and must be rushed to the hospital. The client later claims that the trainer caused his heart attack and mental anguish. This is very unfortunate, but it may not be the fault of the personal trainer. Having professional liability insurance (errors and omissions insurance) may protect you and your personal training business if such a claim is made.

Medical care can be expensive, and you could be responsible for medical costs if you don’t have professional liability insurance. Choose a Hiscox insurance plan, which may protect your business and help you save on business insurance costs.

It’s also a good idea for personal trainers to have general liability insurance, sometimes called commercial general liability insurance (CGL). This insurance protects your personal training business from a client’s claims of bodily injury, associated medical costs, or property damage. This is very useful in hypothetical examples like these:

• Bodily Injury: While waiting for a personal training session to begin, your client accidentally trips over a stack of mats and blames the personal trainer for not keeping the area clear and safe. Hiscox's general liability insurance may protect you against third-party claims for bodily injury and may limit the extent for which you are liable, up to your policy's limits and related medical costs.
• Property Damage: You are putting up some free weights after a workout with a client and accidentally drop a 25lb weight on your client's bag. The bag contained your client's laptop, which is now smashed. A Hiscox general liability policy may cover the subsequent claim and keep you in the good graces of your client.

Accidents sometimes happen. For peace of mind, get a free quote from Hiscox.

Learn more about how much general liability insurance costs.

Personal trainers may store sensitive information about their clients, including medical and personal health data and payment information. If this information is contained on a laptop that is lost or stolen, even if the information isn’t compromised, you may be liable for the cost to inform your customers and even provide credit monitoring, if required. There may also be costs associated with recovering the data. These costs can all be covered by a cyber security insurance policy, which also includes expert assistance in how to handle a breach, including notification requirements.

Here's an example. A personal trainer who specialized in providing one-on-one training was held to a high level of confidentiality by their clients. When they became the victim of a phishing email, they were concerned that their clients’ personal information would be released by the hackers. Fortunately, the trainer had a cyber security insurance policy that included expert breach response services that contained the damage and preserved the trainer’s reputation.