Best Personal Trainer Insurance in 2024

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Best Personal Trainer Insurance in 2024

Best Personal Trainer Insurance in 2024, Helping their customers achieve or stay fit can bring personal trainers great rewards, but there are also big risks associated with the industry. The National Safety Council estimates that in 2022, exercise or exercise equipment caused around 445,600 injuries. What if one of your clients was among those number? Insurance for personal trainers can help with that.

If a client is hurt while you’re working with them or as a result of a training plan you suggested, your personal trainer insurance can cover you. Additionally, it can offer a safety net in case your work-related property is damaged—for example, if a kettlebell crashes through a wall of mirrors or if you accidentally destroy a machine while adjusting it. In any case, having personal trainer insurance can protect you from potentially high out-of-pocket costs, including as legal bills, in the event that you are sued.

Personal trainer insurance is provided by dozens of businesses, ranging from well-known insurers with a wide range of coverage options for consumers to smaller companies that focus exclusively on insuring fitness professionals. Our in-depth analysis of those companies and their products has led us to the best personal trainer insurance.

Insure Fitness

As Insure Fitness solely insures those in the fitness industry, it is a good option for personal trainers looking for an insurance provider that knows their industry. Plans begin at $179 annually, and you may apply for, get a price, and buy coverage all online. You can also choose to get a monthly payment; however, you will pay using PayPal Credit, and your rate will increase somewhat.

Insure provides additional protection, including as identity theft coverage, in addition to conventional general and professional liability coverage. It also provides savings specific to the fitness industry, such as reduced costs for professional certifications and training. An additional benefit is that the website has tools for aspiring personal trainers, like instructions on how to create a business plan. Because coverage is occurrence-based, even if your policy has lapsed, you can still file a claim as long as it is related to an incident that occurred when you were covered.

Although Insure provides a somewhat comprehensive insurance package, unlike other carriers, it does not allow you to select from a range of plans with varying liability limits. The insured’s liability is limited to $1 million for each incident and $3 million in total. Although this should be plenty for most personal trainers, you should search elsewhere if you require more (or less) coverage. Additionally, policyholders cannot file a claim online; they must call.

The Hartford

Owners of gyms and fitness centers face additional challenges when it comes to insurance, but The Hartford provides a range of coverage options, such as commercial auto insurance and business property insurance, as well as workers’ compensation insurance, which is crucial when managing an organization with employees.

The Hartford provides a basic business owner’s policy (BOP) that combines business income insurance, business property insurance, and general liability insurance in order to make things straightforward. If you have to close your gym or studio due to an otherwise covered loss, the latter protects you by making up the lost income (The Hartford lists scenarios such as theft or a fire).

This provider does not enable personal trainers to purchase pre-made plans online, unlike many of its competitors. To discuss your quotation and policy alternatives, you will need to contact and speak with an agent. Owners of fitness centers and gyms should be aware that paying for insurance will cost more than hiring a single trainer. According to The Hartford, the average annual premium for general liability insurance paid by gym owners is $805.

Next Insurance

For any personal trainer who would prefer to concentrate on growing their business rather than poring over the tiny print of their insurance policy, Next Insurance is a great option because of its simplicity and adaptability. Monthly payments are an option, and applying, managing your insurance, and filing a claim are all simple online processes with online chat assistance available during regular business hours. Coverage begins as soon as the product is purchased.

Simplified policies: Next’s basic coverage covers professional and general liability as well as, in some situations, sexual assault. It is possible to add on or purchase additional coverage, such as workers’ compensation, individually. Next states that its policies are event-based, meaning that even if your insurance has lapsed, you can still file a claim as long as it is related to an incident that occurred while you were covered.

Next keeps things straightforward, but if you’re looking for a company that offers more specialist coverage in a single plan, that could be a drawback. For example, it is not a choice if you are expanding your firm and would like to have more coverage for medical payments. If you want to buy a specific quantity of coverage, you might also wish to look at other insurers. Although Next offers three different kinds of personal trainer insurance plans with a per-occurrence liability limit as low as $500,000, your options will vary based on your business type and region.

Philadelphia Insurance Companies

Any personal trainer can benefit from The Philadelphia Insurance Companies, but those who are certified by the American Council on Exercise are especially well-suited because they receive a membership discount on coverage. Policies for ACE professionals begin at $172 for a single year and $274 for a two-year period. For the cost, the coverage is rather extensive: in addition to the standard coverage of general and professional liability, you also get coverage for product liability, sexual abuse liability, medical costs, and property damage.

It’s important to note that policyholders who own personal trainers and have queries particular to the business can contact the Fitness and Wellness Insurance office in Philadelphia. It also provides online quotations and online claims, with policies taking effect as soon as the day following purchase. An further benefit is that, provided your journey is no longer than 30 days, you will still be covered if work takes you overseas.

You cannot modify the insurance to lessen your premium if you simply want basic liability coverage, and there is no choice for monthly payments; you must pay for the whole year up front. It’s also important to note that liability caps are lower than those of some of Philadelphia’s rivals, topping out at $2 million per incident.

First off, do you own a facility where personal trainers are employed, or are you a self-employed fitness instructor or coach? If you operate on your own, professionals advise acquiring:

Should a customer have an injury while in your care, general liability insurance will cover you. It can pay for subsequent events’ medical expenses and legal costs.

Errors and omissions (E&O) insurance is another name for professional liability insurance. If you are sued for negligence, this type of coverage covers settlement and litigation fees.

Experts also advise the following if you run a fitness studio, gym, or other similar establishment and you hire staff members:

In most states, having workers’ compensation insurance is mandatory. It covers medical costs and lost income for your workers in the event that they get sick, are killed, or are wounded at work.

Liability and property coverages are combined into a single policy contract under a business owners’ policy (BOP). Traditionally, business interruption (or business income) insurance, commercial property, and general liability insurance are included in BOPs.

How much does personal trainer insurance cost?

Basic insurance is available to personal trainers at a reasonably low cost. We discovered a number of choices for less than $200 a year. Naturally, the more coverage you require—whether it be larger limits or specialized coverage in addition to general and professional liability—the more expensive it will be. Your bill will increase along with your risk of filing a claim if you own a gym or fitness studio or if you have staff.