Best Personal Trainer Insurance in 2023 - All you Need to Know!
Best Personal Trainer Insurance

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.

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?

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

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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.

So what is a personal trainer/public liability insurance policy?

So what is a personal trainer/public 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.

Ok, is it necessary for personal trainer/public liability insurance?

Ok, so is it really necessary for personal trainer/public liability insurance?

YES!

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.

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.

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

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?

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

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

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

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

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

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

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

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

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 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?

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.

Tyler Read

Tyler Read, BSc, CPT. Tyler holds a B.S. in Kinesiology from Sonoma State University and is a certified personal trainer (CPT) with NASM (National Academy of sports medicine), and has over 15 years of experience working as a personal trainer. He is a published author of running start, and a frequent contributing author on Healthline and Eat this, not that.

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20 thoughts on “Best Personal Trainer Insurance in 2023 – All you Need to Know!”

  1. PTPioneer User

    This is a great article! Insure Fitness Group (www.insurefitness.com) launched a new program recently which offers top tier coverage for the lowest cost in the market. Could we hop on a call to discuss some of the details? Id love for you to vet us and see how ours compares to the products discussed in the blog post. Thank you!

    1. Tyler Read - Certified Personal Trainer with PTPioneer

      Hello Joe,
      I will definitely check out this insurance company for personal trainers. There are a lot of good options out there for personal training insurance and for the most part they all cost approximately do same amount. I will consider it and possibly added to this list if all checks out. Thanks for pointing it out.

        1. Tyler Read - Certified Personal Trainer with PTPioneer

          Hey Joe, you guys have some excellent personal training insurance no doubt and that’s why you guys were included. Thanks for stopping by and leaving a comment and keep on Crushing over there.

  2. PTPioneer User

    Hi Joe,

    I am new to Personal Training. I received my certification via ISSA in Sept of 2019 & landed a job in a week. Initially i was only working at this particular gym. I have taught Group X and am connected with our community so, of course, I have had some inquiries to train privately & in small group format. My question is as follows: I need coverage for training in my home, in public spaces (park, recreation centers, etc) as well as training at a client’s home. I see that there is a dietary component to the insurance as well. I definitely would require that as well. I am nearly finished with my nutrition certification via Issa. Please advise on where I should begin my research. Oh, I have also applied for my EIN# as an LLC. I wanted to make sure my business & personal were separated; as my husband owns & actively runs 2 large scale businesses. I want to make sure we are as protected as possible.

    1. Tyler Read - Certified Personal Trainer with PTPioneer

      Hey Jenn,
      Basically before you start training clients in your own home or start doing nutrition counseling you should definitely get insurance. Most insurance policies cover from approximately a half a million to a million dollars or very little monthly fee. After you get your LLC set up, make sure to get the health insurance before you start training. That is all you should really know.

  3. PTPioneer User

    Does this pertain to personal trainers who only sell online workout programs/guides from a website with no one-on-one coaching?

    1. Tyler Read - Certified Personal Trainer with PTPioneer

      Hey Courtney, this is a fantastic question. I recommend that even online personal trainers have some sort of liability insurance. After all, you are giving your client’s instructions for exercise and if they end up hurting themselves oh, there is a possibility that they come after you as liable.

  4. PTPioneer User

    Hi Tyler,

    Do any of these policies also cover Commercial General Liability since I lease space from a holding company who requires me to list them as an additional insured. Would this be included in any of the policies or would it be an additional premium to the policy?

    What policy would you recommend for my current needs? Please advise:

    Thank you

    1. Tyler Read - Certified Personal Trainer with PTPioneer

      That’s a great question Dave, you will have to contact your holding company and ask him what they require. I definitely recommend reaching out to the insurance agencies in asking them this specific question.

      1. PTPioneer User

        Hey Tyler – any update on this? Just got certified and want to start online coaching but not sure what sort of insurance I need. Does insurance usually cover online international clients?

        1. Tyler Read - Certified Personal Trainer with PTPioneer

          Hey Oliver, this will entirely depend on the insurance you go with. You should check very close with the insurance provider beforehand.

  5. PTPioneer User

    Hi Tyler, I recently was certified through ISSA for CPT/CNC. I am currently coaching via online, through nutrition coaching and online training (meaning I write training plans to meet the needs of my clients and change them accordingly). Since I don’t really train “in-person” out of my home or in a gym setting, what should I get as far as insurance goes? I am in the process of completing my LLC papers so I will be operating as a business as well.

    Thank you for you content!

    1. Tyler Read - Certified Personal Trainer with PTPioneer

      Hey Lauren, you should check with insurance companies to see what level of coverage they offer for these types of businesses. Most will cover your profession in some form, as this is a growing part fo the industry. There are many fitness/nutrition professionals getting covered for their businesses like this.

    1. Tyler Read - Certified Personal Trainer with PTPioneer

      Hey George, I agree; they do have great insurance. I will consider adding them to the list in the near future when I update this article.

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