What does personal trainer insurance cover?

If you’re a personal trainer—whether working in a gym, online, or outside—choosing the right insurance is crucial. Personal trainer insurance protects you from financial risk in case of claims related to injury, negligence, or property loss.

1. General Liability Insurance

Provides protection against third-party claims such as:

• Bodily injury to clients or passersby (e.g., slips, trips, falls)

• Damage to client property or venue equipment

• Legal defense costs and settlements

This is often mandatory for facility access and client trust.

2. Professional Liability (Errors & Omissions)

Covers claims that arise from the training you design or deliver, such as:

• Injury due to improper form, technique, or advice

• Claims of failure to meet performance or progress goals

• Accusations of negligent programming or omitted warnings

Essential for online trainers or those providing individualized training plans.

3. Equipment Coverage

Protects against loss or damage to trainer-owned tools and gear, including:

• Laptops, tablets, and cameras used for online sessions

• Weights, bands, mats, or other portable fitness equipment

• Audio or video setup used during exercise programming

Especially important if you train clients in multiple locations with expensive tools.

4. Additional Optional Coverages

Depending on your business model and exposure, consider:

• Cyber Liability Insurance – Covers data breaches and loss of digital client information

• Business Interruption Insurance – Replaces lost income if you cannot train due to covered disruption

• Excess Liability (Umbrella) – Provides higher liability limits beyond standard policy limits

• Health/Accident Coverage – Helps cover medical costs if you’re injured on the job

5. Coverage Limits & Deductibles

Most personal trainer policies include:

• Liability limits starting at $1 million per claim and $2 million aggregate

• Deductibles typically range from $500 to $2,500 depending on policy options

• Equipment coverage limits often between $2,000–$10,000, which should align with your investment in gear

Always match limits to your income, risk exposure, and client base.

Final Takeaway

Personal trainer insurance typically covers:

• Professional and general liability—protecting you from client injuries and programming errors

• Equipment damage or loss—for essential tools and gear

• Optional protections like cyber, business interruption, and umbrella coverage

Coverage costs usually range from $150 to $900 per year, depending on your services and exposure level.

Need help choosing personal trainer insurance based on your training style and client risk?
With over 30 years of insurance expertise and access to nearly 100 carriers, THAgency helps you tailor proper coverage to match your business—fast, secure, and non-binding.