Personal Trainer Insurance

Being a personal trainer is a responsible job. Among other things, there is a risk of injuries that potentially mean very high costs for your business. That’s why a good insurance is a must.

Here, at Toby Hansen Agency, we work with an array of insurance products for personal trainers, gyms, health physiotherapists, yoga instructors, dance instructors, martial arts instructors, sports instructors and online trainers.

Protecting Your Future

We’re a small family insurance agency, but we’re big on helping our customers with finding the best insurance coverage.

Call us, we’ll help.

Why Does a Personal Trainer Need Insurance?

As a personal trainer, you must be aware that there is always a possibility that your professional advice may cause some form of damage or harm to your clients, for which you may be sued.

This could jeopardize all the hard work that has gone into your business. Protection in the form of a good insurance plan is a necessity – whether you have your own premises, work online or outdoors.

Insurance coverage for personal trainers ideally combines professional liability and general liability insurance.

Professional Liability Insurance for a Personal Trainer

Professional indemnity insurance covers the risk of an advice that may have potentially caused harm to a client, whether it’s an omission, failure to deliver a service or giving incorrect advice.


It can even cover legal fees for your alleged negligence. When the client believes that you are at fault, this insurance covers the costs of the trial.


Covered risks may include misrepresentation, defamation, incorrect advice, misconduct and negligence.


In summary, professional liability insurance means coverage for:


  • Property damage
  • Bodily injury
  • Defense cost
  • Personal and advertising injuries
  • And protects your business from claims

General Liability Insurance for a Personal Trainer

This type of insurance protects your company in case you cause property damage or bodily injury to someone. For example, if a person gets injured while inside of your place of business, it is your responsibility to pay for that person’s treatment and possible legal claims if they choose to sue. 


And this can be a hefty bill.


Without general liability insurance, you will have to pay for this out of your own pocket, which can easily push you into debt.


In summary, general liability insurance means coverage for:



  • Claims against your business
  • Property damage
  • Bodily injury
  • Defense costs
  • Personal and advertising injuries



Read more about General Liability Insurance here.

Does Your Business Own Property?

If your business owns property, you should also consider asset protection. In this case you have two options. Take out business property insurance to protect your property against natural disasters, theft and fire.


If you own good property, consider taking out Business owners policy (BOP) Insurance because this insurance covers general liability and property insurance. This is a cost-effective option.

Do You Have Other Employees?

You might need workers’ compensation insurance to cover you in the event a worker gets injured or ill on the job.

This insurance is required by most states because you must cover all work-related injuries and medical expenses for your employees.


Read more about Workers’ Compensation insurance here.

personal trainer insurance

Get Your Personal Trainer Insurance Quote

Save money by comparing insurance quotes from multiple carriers or get better coverage.

Contact details:


Company Information

Toby Hansen
Agency Inc.

425 South Orange Street
Missoula MT 59801

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