4 of the Best Personal Trainer Insurance Options for 2021

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 468,000 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.

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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?

Personal trainers are trusted every day with their clients’ health and fitness. We pride ourselves on pushing our clients to reach their goals – it’s part of our jobs! But how much push is “too much” can be subjective, and we can be to blame for any resulting injuries. 

Faulty equipment can also be to blame, but that may, in turn, put you at risk for utilizing the equipment for your services or for recommending it to your client. Fitness injuries are often accidental, but if a client sues, a judge may rule that the injuries resulted from the personal trainer’s negligence.

And it’s not just the initial treatment of the injury you’ll be responsible for, financially. In addition to the medical fees, you may be accountable for all of their doctor’s follow-ups in the future, their legal fees, the loss of wages from their job, and more.

According to Smiley & Smiley, LLP, in one instance, a New York woman got her foot caught on a piece of exercise equipment and fell backward, fracturing both of her wrists. She sued her trainer for not correctly spotting her and for recommending an exercise that she claimed was not safe. The woman received a settlement of $300,000 for her pain and suffering.

Without liability insurance protecting the personal trainer, they may have had to pay out-of-pocket settlements, which can be career-ending.

So the answer? YES. Keeping yourself protected with insurance is crucial. 

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.

Insure Fitness Group Personal Trainer Insurance

Insure Fitness Group provides professional and general liability insurance and support 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.

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.

NASM Personal Trainer Insurance

NASM is the National Academy of Sports Medicine – You might recognize this name because you may have been certified by NASM. They not only taught you the ropes, but they’re also here to protect you in your career.

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 NASM or to read more, click here.

ACE Fitness Liability Insurance

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*:

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

2-Year Policy:

  • $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.

Sadler Sports & Recreation Insurance

Sadler personal training insurance is designed for U.S. based trainers, including aerobics, cardio, aquatic exercise, pilates, spinning, yoga, ZUMBA®, acrobatics, bootcamps, and more.

Their coverage includes both general liability and professional liability insurance and has six different options. Here are a few:*

Option 1 (lowest coverage option):

  • $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
  • 1-year premium for certified instructors: $160
  • 2-year premium for certified instructors: $288

Option 3 (a mid-coverage option):

  • $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

Option 6 (highest coverage option):

  • $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.

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.

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