As a personal trainer, your job is all about helping clients crush their fitness goals. But you don’t want to crush your bank account with unexpected client injuries or equipment damage.

That’s where personal trainer insurance comes into play. Accidents happen, and insurance covers your back when they do.

Ready to level up your protection? Sit back, enjoy a high-protein snack, and read this guide to personal trainer insurance costs. We’ll break down what personal trainer insurance is and the best options for protecting your business.

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What Is Personal Trainer Insurance?

Personal trainer insurance is a type of small business insurance for fitness professionals. It protects you from the financial fallout of unexpected accidents and damage. Without it, you could be on the hook for huge expenses if something goes wrong while training clients. 

Here are some examples: Imagine you’re leading a boot camp, and a client hurts their ankle tripping over a dumbbell. Without insurance, you could be responsible for their medical bills and potential legal fees. Or, say your equipment gets damaged or stolen while you’re on the job. Replacing it out of pocket could set you back thousands of dollars.

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Who Can Benefit from Personal Trainer Insurance?

Whether you’re teaching a group class or working one-on-one, having the right insurance ensures you don’t have to sweat the small (or big!) stuff. It protects you both financially and legally to keep your business running smoothly.

Here are six fitness careers that benefit from personal trainer insurance:

• Fitness instructors: Leading trendy classes like HIIT or spin? You’ll want insurance to cover any injuries that might happen during those sweat sessions.
• Yoga instructors: Even in a calming environment like a yoga class, slips, falls, and injuries happen. Insurance helps cover the costs if a student files a personal injury claim against you.
• Pilates instructors: With all the equipment and hands-on adjustments involved in Pilates, instructors are at risk for both client injuries and equipment damage. Personal trainer insurance is a proactive solution to these risks.
• Dance instructors: Whether you’re teaching ballet or breakdancing, one wrong step can lead to a sprained ankle or other injury. With personal trainer insurance, you can encourage clients to dance their hearts out without stressing over what happens in the studio.
• CrossFit coaches: CrossFit is all about pushing limits, but you don’t want to be left holding the bill if someone goes too hard. Insurance lets you focus on building strength instead of worrying about your liability.
• Freelance trainers: It doesn’t matter if you’re working independently or hopping between gyms and clients’ homes. You need coverage to protect yourself while on the go.

4 Types of Insurance for Personal Trainers and Average Costs

What kind of coverage do you need? And how much does personal trainer insurance cost? 

Let’s talk about the four kinds of coverage you should know and how much each will set you back:

Liability Coverage

As a personal trainer, liability insurance should be at the top of your list. One wrong move or equipment malfunction, and you’ll drain your bank account faster than you can say “burpee.” Liability coverage ensures you won’t lose everything over a slip-up.

There are two kinds of liability coverage. The first is general liability insurance, which covers accidents and property damage. Say you’re teaching hot yoga, and the floor is slick with sweat. (Gross, but hey, it’s part of the job!) If someone slips and gets hurt, general liability insurance covers their medical bills and any legal costs.

Second, there’s professional liability insurance. This protects you if a client claims your training or advice led to injury or harm. For example, if a client pulls a muscle after you encourage them to sink deeper into a stretch, professional liability insurance has you covered in case they decide to sue.

Most small businesses can expect to pay about $500 per year for general liability coverage and about $400 for professional liability insurance. Since the average personal trainer salary ranges from $40,000 to $100,000, these rates are relatively affordable for most professionals.

Workers’ Compensation Insurance

If you hire employees to help with your business, workers’ compensation insurance is a must. In fact, most states require it. When an employee gets hurt on the job, workers’ comp covers medical expenses, disability benefits, and lost wages. 

Workers’ compensation plans can cost as little as $20 a month, but on average, it’s $45 a month. It depends on how many employees you have, how they’re classified, and where you’re located. In any case, these plans are well worth the cost since they protect your business from hefty legal fees.

Business Property Insurance

Every small business owner should have business property insurance. It covers the costs of damage to your physical space and the equipment inside – and we all know how expensive workout equipment can get.

Commercial property insurance is especially important if you’re expanding your business. As you gain clients, you might need to invest more money in new equipment, updated facilities, or even a larger studio. Property insurance protects your investments.

The fitness industry tends to pay a little more than average for commercial property insurance – about $146 per month. But if you shop around, you may be able to find a cheaper plan.

Cybersecurity Coverage

Your physical space needs security, but so does your web presence. Imagine a hacker stealing sensitive client details like their payment information – total nightmare, right? With so much of your client data floating around in personal trainer CRMs, gym scheduling software, and fitness apps, protecting that info is a must.

Cybersecurity insurance coverage ensures that if you face a data breach or hack, you’re not left holding the bag. It helps cover the costs of data recovery and legal fees, and it even helps manage client notifications when something goes wrong. On average, cybersecurity insurance costs around $145 a month – a small price to pay for peace of mind.

3 Best Options for Personal Trainer Insurance

So you know you need coverage – but what’s the best personal trainer insurance on the market? We sifted through top options and personal trainer insurance reviews to make your choice easier. Here are three great providers:

1. NEXT Insurance

Known for offering quick online quotes, NEXT Insurance offers affordable plans for personal trainers. Its policies include general and professional liability, workers’ compensation, and commercial property coverage. According to its website, you can get coverage for less than $11 a month. Plus, there are discounts for bundling multiple policies.

NEXT Insurance also offers coverage at different tiers to match your needs (and budget). For example, its general liability policies cover up to $500,000 per incident at the Basic level, up to $1 million at the Pro level, and up to $2 million at the Pro Plus level.

2. Insure Fitness Group

Insure Fitness Group offers insurance plans specifically designed for fitness pros. These plans combine professional and general liability coverage, and they also offer personal injury and advertising injury coverage. Even better, every policy includes $25,000 in complementary coverage for identity theft protection.

Insure Fitness Group’s plans start at $189 a year – but if you’re still a personal training student, you can get a discounted rate of $65 per year. The provider also has some extra perks, like access to continuing education resources and discounts on certification programs. 

3. ACE Liability Insurance

If you’re certified by the American Council on Exercise (ACE), ACE offers liability insurance at a discount. Its plans cover general and professional liability, and there are two package options: a one-year or two-year policy.

Let’s talk about the one-year policy. For $172 a year, you can get up to $3 million in annual coverage. Bump that up to $4 million for $215 per year or $5 million for $218 per year.

The two-year policy has the same coverage limits at $294, $380, or $386 per year. When you do the math, the two-year option saves you some serious coin, making it a great choice if you’re committed to the craft.

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Grow Your Personal Training Business with GlossGenius

Personal trainer insurance keeps your business safe from unexpected setbacks, like accidents and damage to property. When you’re protected, you can focus on growth – and that’s where GlossGenius comes in.

Try GlossGenius free for 14 days!

GlossGenius’ all-in-one platform is the perfect tool for building your fitness empire. With powerful financial tools, loan options, and client management software, GlossGenius can help you elevate your business and flex your success. Start your 14-day free trial today.