Best Personal Trainer Insurance in 2024 – All you Need to Know!

Suppose you have worked for a commercial gym as a personal trainer for most of your time. In that case, you have probably not even thought twice about personal trainer insurance (a.k.a. liability insurance).

This guide will inform you about everything you need to know about PT insurance and why it is essential.

As a personal trainer, you are at the forefront of helping people change their lives through fitness.

Each client expects you to provide them with cutting edge training techniques as you guide them through their fitness journey. Slowly but surely, they will inch toward their ultimate fitness destination.

If you are considering becoming a trainer, take the quiz to determine which CPT certification is for you.

However, you need to ensure that you protect yourself, just in case something goes wrong and a client ends up blaming you and suddenly, you are slapped with a lawsuit.

And it feels good, right? Knowing that you can help so many people improve their lives, make changes and transform their bodies. Why? Well, look at these numbers.

In the United States alone, statistics provided by the U.S. Consumer Safety Product Commission show that around 460,000 fitness injuries happen yearly. Of these, just over 10% are caused by equipment and low weights. So how does a personal trainer protect themselves?

And no matter how good you are at your job, even if it was the client’s fault they were injured, often, they will look for someone else to blame on.

Well, it is simple, really. You take out a personal trainer or public liability insurance policy. And that’s what we are covering in this blog. We are going to look at the following areas:

• What is a personal trainer/public liability insurance policy?
• Why do you need one?
• Should you not have such a policy, which are the best options to consider?

The menu at the top of this page will answer any question related to your personal training. If you have any questions, don’t hesitate to leave me a comment here (I’ll respond within 24 hours). Also, visit the home page for the most recent and popular articles.

what is a personal trainer liability insurance policy?

While it may never happen to you during your career, having some form of public liability insurance as a personal trainer is necessary.

And that’s to cover yourself in case one of your clients gets injured while training and alleges that it is your fault that they did so.

Perhaps they say you pushed them to train too hard or did not show them the correct way to use the equipment.

Whatever their reasoning, a public liability insurance policy protects you in such situations. It covers any of the claimant’s expenses, including medical expenses, possible earnings lost through injury, and all legal fees resulting from their case against you.

If supplements are part of your portfolio and your clients use them, you could also take out product liability insurance. This will protect you when a client blames a product for an illness, injury, or such.

It could also cover training equipment that you might supply clients with.

personal trainer insurance costs

Personal trainer insurance costs an average of $120-$400 per year depending on how much liability coverage you need and which provider you choose.

Do you need personal trainer insurance?

YES, you need personal trainer insurance. While you may never have a claim against you, if you do have one and you are not insured, it could destroy your personal trainer business in a heartbeat. It’s also recommended to have insurance even if your employer is insured.

That’s because if you have a compensation claim put in against you, it can end up becoming extremely costly.

Why?

Well, it’s not only going to include all the injured client’s medical fees (which includes all follow-up check-ups for years to come) but their legal fees and any potential loss of earnings the injury might cause them as well.

Over and above that, you must also factor in your legal costs.

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Altogether, these could easily add up to a six-figure number! And can you really afford that?

For most personal trainers, the answer is an emphatic no! So now, can you see why personal trainer/public liability insurance is necessary?

Popular personal trainer/public liability insurance that you should consider

Ok, so let’s get down to the real purpose of this article. In this section, we will look at a host of popular personal trainer/public liability insurance options that you could sign-up for if you are not currently covered.

Some of these policies are offered by the same organizations that you can receive certification from, such as the National Academy of Sports Medicine and the American Council on Exercise.

National Academy of Sports Medicine Health, Liability, and Accident Insurance

The National Academy of Sports Medicine (NASM) not only offers one of the best personal trainer certifications available, but they will also back you up with liability and accident insurance.

Best of all, it’s specifically designed for the fitness industry.

NASM offers a wide range of packages that start out from just $11 per month. And you can add extra areas to the insurance as you need them.

For example, if you take a client’s training from the gym (where you are covered) to the local park, for instance, as a change of scenery, add it as one of your training venues.

And payments? Well, you have the option of a one-off yearly payment or you can pay each month; it’s totally flexible.

So let’s look at the three insurance options which the NASM offers.

Basic plan

This entry-level general liability insurance includes:

• $500,000 worth of general liability cover (with $0 deductible)
• The option of a dietary/nutrition cover worth $100,000
• Coverage offered at just $11 per month

Pro plan

This is the most popular of the three plan options and includes the following:

• $1,000,000 worth of general liability cover (with $0 deductible)
• The option of a dietary/nutrition cover worth $250,000
• Coverage offered at just $14 per month

Pro Plus plan

The most expensive plan of the three options naturally offers the most coverage and includes:

• $2,000,000 worth of general liability cover (with $0 deductible)
• The option of a dietary/nutrition cover worth $1,000,000
• Coverage offered at just $16 per month

So what do these plans cover? Well, let’s break it down.

• Any injuries to a client’s body
• Clients who accuse you of not helping them meet their goals and sue you because of it
• Clients who sue you of alleged sexual misconduct
• Clients who sue you for what they deem to be harmful advice. This could be related to training or advice on their diet.

All personal trainers who sign up for any of these plans will receive a certificate of insurance. All plans can be paid in full for a year or monthly.

American Council on Exercise Fitness Liability Insurance

Like NASM, the American Council on Exercise (ACE) offers one of the best personal trainer certifications available today. They also offer fitness liability insurance to go with it.

This broad protection policy has a major benefit over many others. And that it protects you wherever you train. It can be in a gym, a client’s home, or a local park. No matter where you have the peace of mind of knowing that you are always covered.

You will even be covered when training outside of the United States for a period of 30 days.

Insurance options are broken down into the following packages:

1-year policy liability limits

• Per-occurrence fee of $1,000,000 and annual total of $3,000,0000 at $172 per year
• Per-occurrence fee of $2,000,000 and annual total of $4,000,0000 at $215 per year
• Per-occurrence fee of $2,000,000 and annual total of $5,000,0000 at $218 per year

2-year policy liability limits

• Per-occurrence fee of $1,000,000 and annual total of $3,000,0000 at $294 per year
• Per-occurrence fee of $2,000,000 and annual total of $4,000,0000 at $380 per year
• Per-occurrence fee of $2,000,000 and annual total of $5,000,0000 at $386 per year

Note there are certain limits to the amount covered in certain cases. For example:

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• Liability against sexual abuse is $100,000 per case with a $300,000 annual limit
• The liability limit against products used by clients is $1,000,000
• Damage to premises coverage is $100,000

Insure Fitness Personal Trainer Insurance

The Insure Fitness Group has drawn up its own personal trainer insurance coverage, which provides substantial coverage. And their prices are pretty competitive as well, covering all activities a personal trainer undertakes daily.

But what can you expect from it? Well, it covers the following:

• Liability cover for both general and professional occurrences
• Up to $1,000,000 coverage per occurrence and $3,000,000 cover per annum
• Up to $1,000,000 coverage per product liability occurrence
• Up to $25,000 in identity protection
• Stolen product protection up to $1,000

The Insure Fitness Group will even cover you if a claim comes about after your policy has expired but did occur during the policy date.

And the cost? You can receive all that coverage for $169 per year.

Protectivity Personal Trainer Insurance

Next up we have specific insurance cover aimed at personal trainers in the United Kingdom from Protectivity Insurance.

While insurance packages can be altered to incorporate your specific needs, let’s take a look at the basic package offered for personal trainers. With it, you will receive the following:

• Up to £10,000,000 of public liability insurance. Packages start at $1,000,000 in coverage.
• Professional indemnity protection
• Equipment cover from £250 to £30,000
• The opportunity to take out optional personal accident coverage for the trainer
• Cover starts at £51 per annum

IDEA Health and Fitness Personal Trainer Insurance

The IDEA Health and Fitness personal trainer insurance options include various well-priced products. These are aimed at not only full-time personal trainers but also part-time ones.

They include the following coverage:

Part-time non-certified personal trainers

• Per-occurrence fee of $1,000,000 and annual total of $1,000,0000 at $121 per year
• Per-occurrence fee of $1,000,000 and annual total of $3,000,0000 at $129 per year
• Per-occurrence fee of $2,000,000 and annual total of $4,000,0000 at $162 per year

Part-time certified personal trainers

• Per-occurrence fee of $1,000,000 and annual total of $1,000,0000 at $94 per year
• Per-occurrence fee of $1,000,000 and annual total of $3,000,0000 at $100 per year
• Per-occurrence fee of $2,000,000 and annual total of $4,000,0000 at $122 per year

Full-time non-certified personal trainers

• Per-occurrence fee of $1,000,000 and annual total of $1,000,0000 at $186 per year
• Per-occurrence fee of $1,000,000 and annual total of $3,000,0000 at $200 per year
• Per-occurrence fee of $2,000,000 and annual total of $4,000,0000 at $259 per year

Full-time certified personal trainers

• Per-occurrence fee of $1,000,000 and annual total of $1,000,0000 at $138 per year
• Per-occurrence fee of $1,000,000 and annual total of $3,000,0000 at $147 per year
• Per-occurrence fee of $2,000,000 and annual total of $4,000,0000 at $187 per year

One of the advantages of the personal trainer insurance options from IDEA Health is the fact that they do have options for both full and part-time trainers and those who are not yet certified.

Sadler Sports and Recreation Insurance

Certainly one of the most comprehensive insurance policies in terms of options, Sadler’s sports and recreation insurance is extremely adaptable.

Its policy options include:

1-Year Non-certified personal trainers

• Per-occurrence fee between $500,000 to $5,000,000 (six options available)
• $5,000,000 general aggregate for each of the six options
• Cover includes sexual harassment, personal injury, premises damage, medical expenses, and more
• Premiums cost between $184 and $1,095 per annum, depending on the option chosen.
• 2-year premium options are also available

2-Year Non-certified personal trainers

• Per-occurrence fee between $500,000 to $5,000,000 (six options available)
• $5,000,000 general aggregate for each of the six options
• Cover includes sexual harassment, personal injury, premises damage, medical expenses, and more
• Premiums cost between $160 and $1,019 per annum, depending on the option chosen.
• 2-year premium options are also available

NACAMS Personal Trainer Liability Insurance

The National Association of Complementary and Alternative Medicines (NACAMS) also offers its own liability insurance packages for personal trainers.

This offers:

• Per-occurrence fee of $1,000,000 and annual total of $3,000,0000
• The liability limit against products used by clients is $1,000,000
• Damage to premises coverage is $100,000
• An identity protection plan

The NACAMS also offers some interesting benefits as well. These include:

• Promoting your business with a free website through the NACAMS
• A range of other discounts for policyholders

FDL Personal Trainer Insurance Program

This insurance program is aimed at personal trainers and comes from Francis L. Dean and Associates through the U.S. Fire Insurance Company.

So what coverage can you expect? Well, this policy includes the following:

Non-certified personal trainers

• Per-occurrence fee of $1,000,000 and annual total of $1,000,0000 at $210 per year
• Per-occurrence fee of $1,000,000 and annual total of $2,000,0000 at $221 per year
• Per-occurrence fee of $1,000,000 and annual total of $3,000,0000 at $232 per year
• Per-occurrence fee of $1,000,000 and annual total of $4,000,0000 at $244 per year
• Per-occurrence fee of $1,000,000 and annual total of $5,000,0000 at $256 per year

Certified personal trainers

• Per-occurrence fee of $1,000,000 and annual total of $1,000,0000 at $115 per year
• Per-occurrence fee of $1,000,000 and annual total of $2,000,0000 at $121 per year
• Per-occurrence fee of $1,000,000 and annual total of $3,000,0000 at $127 per year
• Per-occurrence fee of $1,000,000 and annual total of $4,000,0000 at $133 per year
• Per-occurrence fee of $1,000,000 and annual total of $5,000,0000 at $140 per year

Optional extra coverage is available for sexual misconduct, coverage of equipment, and others.

Next Insurance Personal Trainer cover

Next Insurance offers three different personal trainer liability cover options that protect you against the following:

• Client injury
• Not meeting a client’s expectations
• Sexual misconduct allegations
• Providing advice a client now sees as harmful, for example, supplementation or nutrition advice

Basic option

• $500,000 worth of general liability cover (with $0 deductible)
• The option of a dietary/nutrition cover worth $100,000
• Coverage offered at just $11 per month

Pro option

• $1,000,000 worth of general liability cover (with $0 deductible)
• The option of a dietary/nutrition cover worth $250,000
• Coverage offered at just $14 per month

Pro Plus option

• $2,000,000 worth of general liability cover (with $0 deductible)
• The option of a dietary/nutrition cover worth $1,000,000
• Coverage offered at just $16 per month

So which is best?

Well, that’s a difficult question to answer!

Why?

Each and every personal trainer has unique circumstances. For example, you might just be starting out and not have that much extra cash to cover insurance. In that case, you will probably choose the most affordable insurance option.

However, if you are a personal trainer that works full-time and has a full roster of clients, you probably will look for an insurance option that provides you with the most coverage and flexibility.

For example, a policy that covers you no matter where you train. And, of course, those are a little more expensive.

That said, no doubt about it, the policies from NASM and ACE not only offer excellent rates, but as both these organizations understand the business, their policies cover every aspect that a personal trainer would need protection in.

So, if it were up to me to make a pick, those would be my go-to options for personal trainer insurance.

Final words…

In closing, it has to be said that any personal trainer without some form of insurance coverage is certainly playing with fire. And that’s why, even if you are starting out, you MUST get insurance coverage.

Going without is simply asking for trouble.