Personal Trainer Insurance

Generally, personal trainers need to have at least professional and general liability insurance. If you offer virtual classes, work in different gyms, or are just a freelance trainer, you need a policy that protects you from client claims that may cost you your savings. With personal trainer insurance, this policy protects policyholders against claims like property damage, professional mistakes, or bodily injury from clients. Read on to learn more about this coverage.

Personal Trainer Insurance

What is Personal Trainer Insurance?

Personal trainer insurance is a type of liability coverage that safeguards and offers financial protection to the personal trainer if a client files a lawsuit because of a fitness accident or injury. Furthermore, this insurance quote has different coverage options and costs, which we will discuss later, and can be used if there is an accident without a lawsuit. There are two types of personal trainer insurance general liability insurance and professional liability insurance.

General liability insurance is very common, and this offers financial protection in case of a lawsuit or accident. This quote also covers injury costs as well. On the other hand, professional liability insurance, also known as errors and omissions insurance, offers protection against claims due to your negligence, and as a result, the client ends up injured. Thus, if you have a personal training business and employees, you can choose the coverage that will protect everyone in the facility.

Other Types of Insurance for Personal Trainers That You Can Consider

Apart from general liability insurance and professional liability insurance, there are some coverage options that you may want to consider and add to your quote. They are:

  • Personal accident coverage.
  • Employer liability insurance.
  • Professional indemnity insurance.
  • Public liability insurance.
  • Sports equipment coverage.
  • Loss of earnings coverage.
  • Workers’ compensation insurance.
  • Cybersecurity insurance.
  • Commercial auto insurance.
  • Business owner’s policy.

So, these quotes have the areas that they will offer coverage for if anything happens during a training session.

How Does it Work?

Since injuries are a real possibility during a fitness session, personal trainer insurance offers protection for you and your business against harsh out-of-pocket expenses. Moreover, this type of policy covers lawsuits, legal costs, and client injuries if you do not meet the promised agreement or results.

In addition to this, personal trainer insurance covers employee injuries, fire, theft, and data breaches, but it all depends on the type of coverage plan you have. If you want different coverage, you can check out the options available and choose a good company to purchase from if you need it.

What Does Personal Trainer Insurance Cover?

If you have a personal trainer insurance policy, here are the situations and events that you will get coverage for:

  • Professional mistakes.
  • Bodily injuries.
  • Property damages.
  • Damaged equipment.
  • Business interruption.
  • Lost income.
  • Theft.
  • Wind damage.
  • Falling objects.

The coverage you get depends on what type of policy it is.

What Does this Policy Not Cover?

Here are the exclusions that personal trainer insurance will not cover or be responsible for:

  • Fraudulent activities.
  • Groundless termination.
  • Radioactive fallout.
  • Floods and earthquakes.
  • Infectious diseases.

For groundless or unjustifiable termination, you can purchase an employee liability insurance policy if you need coverage.

How much Does It cost?

The cost of getting personal trainer insurance differs and is determined by different elements. However, the average cost of getting a personal trainer insurance policy is $35 per month. Here are some other factors that will affect the cost of your quote:

  • Business insurance type.
  • Coverage limits.
  • Services provided.
  • Deductibles.
  • Location.
  • Business property and equipment.
  • Income from your business.
  • Training types are offered.
  • Number of employees.
  • Professional certifications.
  • Claims history.

Generally, the more your business faces risk, the higher your premium will be and the more coverage you need.

How to Get Personal Trainer Insurance

With the right steps, you will be able to get a good personal trainer insurance policy from the perfect company. With this in mind, I will be showing you the basic steps you need to get this type of quote. This is because insurers or insurance providers do not have the same application steps. Now, here is what you need to do:

  • Decide how much coverage you need.
  • Choose a coverage type.
  • Gather all your documents.
  • Get different quotes.
  • Compare these policies and insurance providers.
  • Speak to a specialist.

Once you do all of the following and have found the company you want to use, you can now go online and begin the application process. The insurer will need all the necessary documents, so make sure you have them ready.

The Best Personal Trainer Insurance Companies

Different insurance companies provide personal trainer insurance policies to interested people. However, a lot of people find it hard to find these companies, especially if they are entering the world of insurance for the first time. This is why I want to save you time and resources. Instead, after this section, all you need to do is find out what company works best for you:

  • ACE Fitness Liability Insurance.
  • NEXT Insurance.
  • Sadler Sports and Recreation Insurance.
  • Insure Fitness Group.
  • Auto-Owners.
  • United States Liability Insurance Group (USLI).
  • Hiscox.
  • Liberty Mutual.
  • CNA.
  • Nationwide.
  • Travelers.
  • The Hanover Insurance Group.
  • Cincinnati Insurance.
  • Farmers Insurance.
  • AmTrust Financial.
  • The Hartford.
  • Acuity Insurance.
  • Chubb.
  • Philadelphia Insurance.
  • Allstate.
  • NASM.
  • Idea Health & Fitness Association.
  • Thimble.
  • Erie.
  • State Farm.
  • Westfield.
  • American Family Insurance.

And many more. Some of these companies can allow you to apply for a quote online, while others won’t. Nonetheless, it is up to you to decide which company to use.