What is Personal Trainer Insurance? | ProSight Direct

What is Personal Trainer Insurance?

Liability insurance designed for personal trainers to help cover them from third-party liability claims

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What is Personal Trainer Insurance?

Liability insurance for personal trainers can help protect you from eligible claims made by the studio, landlord or clients

Personal trainer insurance can be a combination of general liability insurance, professional liability insurance and abusive misconduct insurance (sexual abuse, physical abuse, emotional abuse). It may cover claims related to the daily operations of your personal training. For example, if one of your clients injures themselves while following your direction or you damage a gym space you rented to teach a fitness class, personal trainer insurance could help cover the costs of these claims.

Personal trainer insurance also helps cover legal defense costs for eligible claims made against you, damage to another person’s property and medical payments awarded from third-party bodily injury claims.

Personal trainer liability insurance is important and helps to keep you protected from legal costs for eligible claims made against you. It is a smart way of safeguarding the integrity and wellbeing of your future.

Personal Trainer Insurance from ProSight

Comprehensive coverage to protect yourself from third-party bodily injury, property damage, and reputation harm claims

Bodily Injury Claims
Bodily Injury Claims

One of your clients gets injured during class and sues you to cover their medical expenses.

Property Damage Claims
Property Damage Claims

One of the mirrors in the studio gets damaged and the landlord sues you to replace the glass.

Reputation Harm Claims
Reputation Harm Claims

One of your competitors claims you defamed their brand in your latest social post and sues you.

Who Needs Personal Trainer Insurance?

Liability insurance for personal trainers can be an essential part to being a successful fitness instructor

Personal trainer insurance can be as important, if not more important, than getting your certification to be a certified fitness professional. This is true whether you are training out of your home, driving to clients’ homes or offices, offering classes at the park, or teaching sessions in a commercial gym or studio.

Liability insurance for personal trainers may also be a requirement for fitness instructors who work as independent contractors for commercial gyms. Rarely, independent contractors are covered by the gym owner’s liability insurance, so it is essential for them to obtain their own personal trainer liability insurance.

If you’re an employee of a commercial gym, there is a good chance you are already covered by the employer's policy, but you should confirm this with them. Getting your own personal trainer insurance still might make sense to get, especially if your employer's coverage isn't adequate.

"A" Rating

ProSight Specialty Insurance is rated "A-" (Excellent) by A.M. Best and "A+" by the Better Business Bureau (BBB).