4 of the Best Personal Trainer Insurance Options for 2024
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Table of Contents
Table of Contents
What Insurance is Best for You?
We designed this quiz to help you choose the perfect insurance based on your needs.
No matter which personal trainer certification you have or plan to get, one unfortunate incident can put your career in jeopardy. Though your mission is to help your clients with their fitness goals, it’s always possible that something can go wrong, and you’re who they choose to blame.
According to the National Safety Council, there are about 409,000 injuries related to exercise each year. It’s vital to protect yourself from financial setbacks if a client were to sue you for any of these injuries. Acquiring the proper personal training insurance can help you protect all of the hard work you’ve done to get this far.
In this guide, we will go over what a personal trainer insurance policy entails, whether you really need it, and then we’ll show you four options for your sports and fitness insurance. These options provide liability insurance for health coaches, personal trainers, Pilates instructors, group fitness instructors, and more.
Our top 4 selections we will go into detail with are:
- ACE Fitness Liability Insurance
- Sadler Sports and Recreation Insurance
Why My Personal Trainer Insurance Picks Are Trustworthy
As a personal trainer, I have worked with a variety of clients in different settings, from one-on-one sessions to group fitness classes. During this time, I have gained an understanding of the potential risks and liabilities associated with providing fitness services, and the importance of having adequate insurance coverage.
To rank the best personal trainer insurance options, I draw on my experience working with insurance providers and understanding the specific needs of personal trainers in terms of coverage. I consider factors such as the type and level of coverage provided, the cost of premiums, and the quality of customer support.
Additionally, as a personal trainer, I am familiar with the various types of insurance coverage available, including general liability, professional liability, and product liability insurance. I understand the potential risks associated with each type of coverage and can provide informed recommendations based on the specific needs of each client.
Overall, my experience and expertise as a personal trainer qualify me to rank the best personal trainer insurance options and to make recommendations to clients seeking to protect themselves and their businesses from potential liabilities.
Without further ado, here are four options for personal trainers’ liability insurance, a couple of which are policies offered by the very organizations that certified you as a personal trainer.
OVERVIEW
Insure Fitness Group provides professional and general liability insurance and support insurance for personal trainers, as well as hundreds of other health and fitness specialties. Their insurance options are all-inclusive and affordable, and include a host of other benefits.
These additional benefits include identity protection, $1,000 of stolen equipment coverage, access to vision and dental plans, plus fitness-related discounts. Upon checkout, you will receive instant coverage and a proof of insurance certificate delivered immediately via email.
Insure Fitness Group’s plan also includes mobile coverage, which means it follows you wherever you train without any added costs for additional locations.
Additional benefits:
- Online training covered at no extra charge
- One policy provides mobile coverage across all 50 states
- Discounts on professional certifications and business products
The personal trainer insurance plan covers:
- $1,000,000 per occurrence
- $3,000,000 per year
- $25,000 identity protection
- $1,000 stolen equipment
- $100,000 rental damage
- $1,000,000 per occurrence product liability
The personal trainer insurance plan covers:
- $1,000,000 per occurrence
- $3,000,000 per year
- $25,000 identity protection
- $1,000 stolen equipment
- $100,000 rental damage
- $1,000,000 per occurrence product liability
Starting at $16.41 per month, this personal trainer insurance option gives you peace of mind in knowing you’re covered for things you may not even think about. To read more or sign up, click here.
*Note: Insurance premiums and details of coverage may change at any time and may also vary by state. Exclusions and rules also apply. Check each provider’s website for their full details.
OVERVIEW
NEXT Insurance provides comprehensive insurance solutions specifically tailored for fitness businesses. As you focus on elevating your clients’ heart rates, they ensure that your own concerns are minimized by offering quick, convenient, and cost-effective insurance coverage. By bundling two or more of their policies, you can enjoy potential savings of up to 10%. With NEXT Insurance, your business can thrive while staying protected. You might recognize this name because you may have been certified by NASM.
Starting at just $11 per month, NASM partners with Next Insurance, Inc. to provide their insurance products. Coverage is available nationwide, and you can even add in unlimited “additional insureds,” which are different locations you may offer your services. For example, if you hold a training session in the park, you may add the park to your additional insureds.
All three of their insurance plan options include protection from bodily injury claims, unhappy clients, sexual misconduct, and harmful dietary advice. Their policies cover both general liability and professional liability insurance.
The plans are below*:
Basic Plan
- Starts at $11 per month
- General Liability with a $500,000 limit
- $0 deductible
- Optional Nutritional/Dietary Supplement: $100,000 limit
Pro Plan
- Starts at $14 per month
- General Liability with a $1,000,000 limit
- $0 deductible
- Optional Nutritional/Dietary Supplement: $250,000 limit
Pro Plus Plan
- Starts at $16 per month
- General Liability with a $2,000,000 limit
- $0 deductible
- Optional Nutritional/Dietary Supplement: $1,000,000 limit
The policies also cover most online training, so even your virtual sessions are covered. To get a personal trainer insurance policy through NEXT or to read more, click here.
*Note: Insurance premiums and details of coverage may change at any time and may also vary by state. Exclusions and rules also apply. Check each provider’s website for their full details.
OVERVIEW
ACE is another name you may recognize. The American Council on Exercise (ACE) may be the organization that certified you to be a personal trainer.
ACE Liability Insurance, covered through InterWest Insurance, protects you no matter where you are training. You’ll receive an insurance identification card that allows you to show proof of your policy to enhance your credibility to gyms and your clients.
Insurance coverage through ACE is broken down into two package options.
Two Package Options*:
1-Year Policy:
- $1,000,000 per occurrence or $3,000,000 annually is $172 per year
- $2,000,000 per occurrence or $4,000,000 annually is $215 per year
- $2,000,000 per occurrence or $5,000,000 annually is $218 per year
- $1,000,000 per occurrence or $3,000,000 annually is $294 for two years
- $2,000,000 per occurrence or $4,000,000 annually is $380 for two years
- $2,000,000 per occurrence or $5,000,000 annually is $386 for two years
The ACE policies will protect you against any negligence or failure to perform as a competent personal trainer. To apply for ACE insurance coverage or read more about it, click here.
*Note: Insurance premiums and details of coverage may change at any time and may also vary by state. Exclusions and rules also apply. Check each provider’s website for their full details.
OVERVIEW
Package Options*:
- $500,000 per occurrence
- $5,000,000 general aggregate
- $500,000 products/completed operations aggregate
- $500,000 personal & advertising injury
- $500,000 damages to space rented to you
- $5,000 medical expense payments
- $500,000 legal liability to participants
- $500,000 professional liability
- $100,000 for abuse, molestation, harassment or sexual conduct defense
- 2-year premium for certified instructors: $288
- $2,000,000 per occurrence
- $5,000,000 general aggregate
- $2,000,000 products/completed operations aggregate
- $2,000,000 personal & advertising injury
- $1,000,000 damages to space rented to you
- $5,000 medical expense payments
- $2,000,000 legal liability to participants
- $2,000,000 professional liability
- $100,000 for abuse, molestation, harassment or sexual conduct defense
- 1-year premium for certified instructors: $269
- 2-year premium for certified instructors: $484.50
- $5,000,000 per occurrence
- $5,000,000 general aggregate
- $5,000,000 products/completed operations aggregate
- $5,000,000 personal & advertising injury
- $1,000,000 damages to space rented to you
- $5,000 medical expense payments
- $5,000,000 legal liability to participants
- $5,000,000 professional liability
- $100,000 for abuse, molestation, harassment or sexual conduct defense
- 1-year premium for certified instructors: $1,019
- 2-year premium for certified instructors: Not Available
For more information on Sadler Sports & Recreation options or to apply, click here.
*Note: Insurance premiums and details of coverage may change at any time and may also vary by state. Exclusions and rules also apply. Check each provider’s website for their full details.
What Is Personal Trainer Insurance?
Personal trainer insurance is liability coverage that protects the trainer financially if a client were to open a lawsuit due to a fitness accident.
The insurance, which varies in cost and coverage (we’ll get to that later), may also be utilized for simple mishaps where there was no lawsuit, but funds are still needed to cover an injury.
There are two primary types of personal trainer insurance coverage:
General Liability Insurance: This is the most common and protects you from the financial burden of an accident or lawsuit. This coverage can be as simple as a client tripping over a weight on the floor and hurting themselves. Your general liability can cover the cost of treating their injury.
Professional Liability Insurance: Also referred to as Errors and Omissions (E&O) insurance, this protects against claims that it was your direct guidance or negligence that resulted in a client’s injuries. For example, if a client were to claim you were not correctly spotting them, and that is why their injury occurred, the professional liability insurance can help cover the costs.
If you own a personal training business with other employees or a brick and mortar establishment, your coverage needs may differ from the two primary types listed above. It’s always best to talk to a reputable insurance agent to determine your exact requirements. But is liability insurance something you even need?
Do I Actually Need Personal Trainer Insurance?
Which Personal Trainer Insurance Is Best? A Final Note:
Which insurance is best? Every personal trainer has their own needs for their own situations. If you know you’ll be visiting different locations, an option that includes coverage for these additional locales in your premium may be a better choice. For your best answer, contact each provider and have your questions ready.
No matter which option you choose for your personal training insurance, you’ll get the peace of mind of being covered. Hopefully, you won’t ever need to use your insurance coverage, but having it there can save you from massive financial hardships if it’s ever needed.
Are you thinking about opening your own gym? In addition to insurance, there are other requirements to get started.
Here is some additional reading to help you know whether you’re ready to be a business owner:
How Personal Trainers Will Know When They’re Ready to Open a Gym.
FAQs about Personal Trainer Insurance
Personal trainer insurance typically includes general liability, professional liability, and product liability coverage. These types of coverage can protect personal trainers from claims related to injury or property damage, as well as claims related to negligence or errors in training.
While it is not a legal requirement for personal trainers to have insurance, it is highly recommended to protect themselves and their business from potential liabilities.
The cost of personal trainer insurance can vary depending on the type and level of coverage, as well as the specific insurance provider. Premiums can range from a few hundred dollars to several thousand dollars per year.
When selecting a personal trainer insurance policy, it is important to consider the type and level of coverage provided, the cost of premiums, and the quality of customer support. It is also important to ensure that the policy covers all potential risks associated with personal training.
Many personal trainer insurance providers offer customizable insurance policies to fit the unique needs of personal trainers and their businesses. This can include adjusting the level of coverage or adding additional coverage options.
In the event of a potential liability claim, personal trainers should contact their insurance provider as soon as possible to begin the claims process. The insurance provider will provide guidance on next steps and what information is needed to file a claim.
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BS Kinesiology, NASM-CPT, CES, PES FNS, MMAS, WLS, FM-CPT, ACE-CPT, Master Personal Trainer
Eddie Lester is the founder and CEO of Fitness Mentors. With more that 17 years experience in the health, fitness and athletics field, he has helped tens of thousands of personal trainers transform their careers and reach their business goals. With a background in Kinesiology and Exercise Physiology Eddie has assisted in research that is spearheading the exercise science field.
His in-depth knowledge of the Health, Wellness and Fitness industry has earned him a place as a regular contributor on high profile sites such as the Personal Trainer Development Center, (Dan to list top sites) online where he writes about nutrition and personal training.
His contributions to help personal trainers include a weekly blog, podcast, youtube channel and multiple books including: Business and Sales: the Guide to Success as a Personal Trainer.
Eddie’s Philosophy often times includes focusing on the bigger picture in which daily positive contributions lead to a major impact on himself, his family, his community and the world.
Eddie is commonly found at the beaches of Southern California with his wife Courtney and five kids.
Eddie Lester
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