Pas Trusted News – How Much Is Personal Trainer Insurance?

Company Average General Liability Quoted Premium Average BOP Quoted Premium Average Worker’s Comp Quoted Premium Average Quoted Premium for All Personal Trainer Insurance Types
The Hartford $509 $1,152 $1,390 $963
Hiscox $531 $510 N/A $663
USLI $427 $1,308 N/A $909
Travelers N/A $512 $589 $558
Insure Fitness Group $179 N/A N/A $179
Liberty Mutual N/A $3,695 $1,472 $1,457
GUARD Insurance Group N/A N/A $2,247 $2,247
Amtrust N/A N/A $980 $890
Average $412 $1,435 $1,336 $983

Cost is an important consideration when choosing an insurance company for your personal trainer business, but bear in mind that few policies are alike in the coverage they provide. Compare third-party ratings, coverage options, and customer satisfaction indicators when choosing the best provider for your needs.

Compare personal trainer insurance quotes on Insureon.

Factors Influencing Cost

For each type of coverage you might need, several factors may influence the cost.

General Liability

General liability insurance helps pay for legal fees and judgments if you are ever sued for a non-professional negligent act that results in property damage or injury. Some factors that may influence your premium for general liability insurance include:

  • Your annual revenue
  • The condition, location, and size of the facility you use
  • The number of employees you have
  • Your years of experience as a personal trainer
  • Your past claims history

Some companies may not underwrite policies based on these factors, however, and may charge the same price to all personal trainers.

Workers’ Compensation

Workers’ compensation insurance is required in most states for companies with a certain number of employees. It helps pay for medical bills and lost wages after an employee becomes injured or ill on-the-job, while also protecting employers from employee lawsuits. The following factors are likely to influence your workers’ compensation premiums:

  • The U.S. state in which your employees work
  • The type of work performed by your employees
  • The number of people you employ
  • Your annual payroll across employees
  • Your claims history

Business Owner’s Policy

Some personal trainers may purchase a package of insurance coverages, known as a business owner’s policy (BOP). It includes coverage for commercial property, general liability insurance, and, in some cases, lost earnings in the event of business closure due to a covered incident. In addition to the general liability considerations listed above, some factors influencing the cost of a BOP include:

  • The value of your business property
  • The age and location of your facility
  • Any coverage endorsements you add
  • Whether you choose replacement value or actual cash value

Professional Liability

Personal trainers should also have professional liability insurance, which helps pay for legal fees and judgments if a client ever alleges a financial loss due to your professional advice. Several factors impact the cost of professional liability insurance, including:

  • Your location
  • Your years of experience as a personal trainer
  • The coverage limits and deductible you choose
  • How many employees you have
  • Your claims history

Top Insurance Companies for Personal Trainers

Next Insurance

Next Insurance, the official partner of the National Academy of Sports Medicine, offers general and professional liability coverage starting at $11 per month. You can add unlimited additional insureds and get access to a live certificate of insurance. Next has an A- (Excellent) financial strength rating with AM Best and fewer complaints than expected with the NAIC given the company’s market share.

Insure Fitness Group

Insure Fitness Group offers a policy for $179 per year that includes general, professional, and product liability, rental damage insurance, identity protection insurance, and stolen equipment coverage. The coverage is occurrence-form, which means you can file a claim after your coverage has ended as long as the claim happened during your coverage period. Coverage is underwritten by Arch Specialty Insurance Company, which is rated A+ (Superior) by AM Best and has a lower NAIC complaint rate than expected given its size, a positive indicator of customer satisfaction.

The Hartford

The Hartford insures a variety of fitness professionals and offers coverage beyond professional and general liability, including workers’ compensation and commercial auto, making the company ideal for larger operations or fitness trainers who plan to expand. The company has an A+ (Superior) financial strength rating with AM Best and an overall NAIC complaint index just slightly higher than average.


For personal trainers seeking a standalone workers’ compensation policy, Amtrust may be a good fit. The company has a high rate of providing quotes on Insureon, a relatively low average premium, and an A- (Excellent) financial strength rating with AM Best. However, the company has a high NAIC complaint index for liability and property coverage.

Employers Compensation Insurance Company

Employers Compensation Insurance Company (ECIC) is another option for personal trainers seeking a standalone workers’ compensation policy. The insurer boasts an A++ (Superior) financial strength rating with AM Best and no complaints with the NAIC. The company also provides a quote for 85% of personal trainer applicants on Insureon. However, ECIC doesn’t offer other coverage types, so you’ll need to get your professional and general liability coverage elsewhere.


Travelers offers some of the lowest average premiums for workers’ compensation and business owner’s policies and boasts an A+ (Superior) financial strength grade with AM Best. The company also has a lower complaint rate with the NAIC than expected given its market share. However, Travelers has a relatively low rate for giving quotes to personal trainers on Insureon, which means its policies may not be accessible to all trainers.

Liberty Mutual Insurance Company

Liberty Mutual offers an array of specialized fitness coverages and is well-suited to fitness clubs and other larger personal training operations. Liberty Mutual has an A (Excellent) financial strength rating with AM Best, but the company’s NAIC complaint index is slightly higher than average. The insurer also has a very rate of providing BOP quotes on Insureon.

Liberty Mutual company offers sexual misconduct coverage, which can be difficult to find.

United States Liability Insurance Group (USLI)

USLI offers one of the highest rates of providing quotes for personal trainers on Insureon, making the company accessible to most trainers in the field. The company also holds an A++ (Superior) rating with AM Best. However, USLI has a considerably high average NAIC index given its size.

How to Save Money on Personal Trainer Insurance

    • Compare quotes: Some companies may offer cheaper coverage for personal trainers than others. But don’t choose the cheapest policy based on price alone—ensure you’re getting the coverage you need, too.
    • Bundle your policies: If you need multiple coverages, you might save money bundling your policies with the same company. Some insurers offer discounts when you purchase more than one type of coverage.
    • Pay upfront: Some insurers may offer a discount if you pay for your coverage annually or enroll in autopay.
    • Choose a high deductible: Not all insurers offer your choice of deductible, but some may. A higher deductible results in lower premiums, but remember that your out-of-pocket expense will be greater if you ever need to file a claim.
    • Mitigate losses: Some insurance companies offer loss prevention resources and even offer a discount for training employees in safety measures. If you take precautions, you’ll also reduce your risk of filing a claim, which would cause an increase in your premiums.

How Much Is Liability Insurance for Personal Trainers?

In our analysis of general liability quotes for personal trainers, we found that the average monthly cost of personal trainer liability insurance is about $34. But, your premium may vary depending on where you train, if you have employees, and other factors.

Can a Personal Trainer Be Covered by Insurance?

Yes. Personal training comes with many risks that could lead a client to file a lawsuit against you. Personal trainers typically need to have general liability and professional liability insurance at a minimum.

What Types of Insurance Do Personal Trainers Need?

Personal trainers should have general liability and professional liability insurance to protect themselves from lawsuits. If you own or rent a facility or use expensive equipment, you may also need commercial property insurance. If you drive to meet clients, you may need a commercial auto policy. If you have employees, you’ll likely need workers’ compensation coverage as well.

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