Insurance for personal trainers.

General and professional liability for independent trainers and small training studios, wherever you coach: a gym that rents you floor time, a client’s home, a park, or a video call.

What personal trainers usually carry

Professional liability
General liability
Products liability
Portable equipment coverage
Abuse and molestation coverage, for youth clients
Umbrella

Watch for these in a personal trainer policy

Lapsed certificationMany trainer policies require a current certification from an accredited program. A lapse can put a claim at risk, so renew on time.
Nutrition adviceGeneral guidance is usually covered. Writing meal plans for a medical condition can fall outside your scope and your policy.
Supplements you sellMany trainer policies exclude supplements and shakes, or cover them only when listed. Tell us before you start selling them.
Every place you trainA policy tied to one gym may not cover sessions in parks or clients’ homes. Park sessions may also need a permit and a certificate for the city.

What gyms and studios ask personal trainers for

Additional insuredGyms that rent you floor time, on your general liability.
Minimum limitsUsually $1M per claim and $2M or $3M aggregate, on general and professional liability.
Active certificationMany gyms want proof of a current certification along with your certificate of insurance.
Waiver of subrogationSome gyms ask you to waive your right to recover from them.

Questions personal trainers ask

Straight answers.

The questions we hear most, answered plainly.

Doesn’t the gym’s insurance cover me?

Not if you are independent. The gym’s policy protects the gym, and a client hurt in your session can sue you personally.

What does professional liability cover for a trainer?

Claims that your instruction or program caused an injury, such as a strained back from a lift you coached. General liability covers a client who trips over your gear.