Personal Trainer Insurance: Best Options, How Much It Costs

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Best options for personal trainer insurance
Next Insurance: Best for personal trainers who need coverage fast
Hiscox: Best for fitness professionals who work abroad
Insure Fitness Group: Best for personal training students
ACE Liability Insurance: Best for ACE-certified trainers

NerdWallet Small Business helps you get the right coverage based on partnerships with more than 20 national carriers. Get quality customer service and guidance through our partner, Turbo.
via Turbo

NerdWallet Small Business helps you get realtime quotes from 30+ insurers, and instant access to your Certificate of Insurance (COI) through our partner, Coverdash.
via Coverdash
What types of insurance do personal trainers need?
General liability insurance for personal trainers
Professional liability insurance for personal trainers
Additional insurance options for personal trainers
Type of insurance | What it covers |
Business property or buildings that are damaged by certain accidents, weather events or other hazards. If you rent a space for training, your landlord may require you to have this policy. If a water pipe bursts in your training space and damages the floor, your business property insurance would cover the cost to replace it. | |
Medical expenses of employees that are injured or get sick while at work. Most U.S. states require employers to have workers' comp for their employees. If one of your trainers trips over a yoga ball, leading to a knee injury, their medical expenses would be covered under your workers’ compensation policy. | |
Vehicles that you use for business purposes, such as driving to meet clients for training sessions. Covers accident-related expenses resulting from injuries, death or property damage. If you’re leaving a client’s house and back your car into their garage, your commercial auto insurance policy would pay to repair the garage door. | |
Financial losses caused by data breaches, hacking, ransomware and other cyberattacks. If you store health information about your clients, or financial information like credit card numbers, cybersecurity insurance can help you cover the costs of informing your customers and recovering the stolen data after a hack. Some data breach coverage can often be added to a general liability insurance policy, so you may not need to buy this on its own. |
How much does personal trainer insurance cost?
- Coverage limits.
- Number of policies.
- Business location.
- Type of training your offer.
- Professional certifications you have.
- Number of employees you have.
- Previous history of claims.
How to get personal trainer insurance
1. Determine what type of policies and how much coverage you need
2. Get multiple quotes
3. Compare providers and purchase a policy
- How much the policy costs.
- What coverage is included.
- What kind of customer service the provider offers.
- Reviews and complaints about the provider.
Article sources
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American College of Sports Medicine. Liability Insurance for ACSM Professionals | Fast Facts. Accessed Nov 28, 2022.1. -
National Academy of Sports Medicine. A Handy Guide for Personal Trainer Insurance. Accessed Nov 28, 2022.2.
Methodology
Business insurance ratings methodology
NerdWallet’s business insurance ratings reward companies that offer small-business owners reliability and ease of use. Ratings are based on weighted averages of scores in several categories, including financial strength, customer complaint data, shopping experience and customer service. Learn more about how we rate small-business insurance companies.
These ratings are a guide, but insurance policy details and prices can vary widely from business to business and provider to provider. We encourage you to shop around and compare several insurance quotes.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2021.
To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
Our star ratings consider ratios for both general liability insurance and commercial property insurance. When an insurer sells policies that are underwritten by several different insurance companies, we consider the NAIC complaint ratios of all the underwriters.