Snapshot:

• If an accident or injury happens on your watch, personal training insurance makes sure you’re covered from costly legal action.
• The most basic type of personal training insurance is general liability insurance, but you can purchase additional policies depending on what services you offer.
• Do you need personal training insurance? Yes. If you’re requiring clients to perform physical activities and exercises, personal training insurance is a must.
• Where to shop? Check out discounts offered through your national certification. NASM is a great example.
• Personal training insurance doesn’t have to break the bank. You can find a policy that’s tailored to fit your insurance needs and budget.

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What is personal training insurance?

Personal training insurance is a collection of coverages that protect personal training businesses. Personal training comes with risk and personal training insurance makes sure that you’re covered in case an accident or injury happens on your watch.

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What kind of personal training insurance do I need?

The most basic type of personal training insurance is general liability insurance, which covers the costs associated with third-party claims involving bodily injury, property damage and reputational harm.

You might need to purchase additional policies, depending on what kind of services you offer, where you train and what equipment you use. Instead of purchasing separate policies, you can save money and ensure broad coverage by bundling your policies into a business owner's policy.

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Why do I need personal training insurance?

Personal training insurance all comes down to risk. As a personal trainer, you do your best to offer sound advice and a safe experience for your clients, but the unexpected can happen, leaving you responsible for bodily injury or property damage.

If your client breaks an ankle or tears a hamstring, you could be responsible for your client’s medical bills and pain and suffering. Your personal training insurance covers the losses associated with the incident. Regardless of whether you’re training in a gym or out of a personal space, if you’re requiring clients to perform physical activities and exercises, personal training insurance is a must.

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“If you’re requiring clients to perform physical activities and exercises, personal training insurance is a must.”

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How do I know I’m getting quality personal training insurance?

A great place to start when shopping for personal training insurance is through your national certification. You can find insurance discounts through certifications such as NASM, ACE, ACSM and NSCA. If you want to know more about what it takes to become certified, check out our article about the top 5 personal training certifications! When selecting your personal training insurance, be sure to evaluate your options through  S&P Global. Any coverage with less than a B grade could get you into trouble.

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Personal training insurance costs

Most personal training policies are paid monthly, but you also have the option to purchase the policy in one sum that will cover you for an entire year. Depending on your deductible, policies range from $22/month to $90/month. Your total will also depend on your deductible. Another factor to consider when calculating the total cost of your policy is your business’ location. If you end up offering your services to areas outside of what is stated on your policy, make sure to update your policy information.

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Conclusion

If you’re a trainer, the question of “Do I need personal training insurance?” has a simple answer: Yes. Having personal training insurance in place now will save you from costly legal action later. Whether you’re shopping through your national certification or a standard insurance company, you can find a policy that’s tailored to fit your insurance needs and budget. Do you have any tips for trainers who are shopping for personal training insurance? Let us know in the comments!

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