Insurance for Personal Trainers

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What Personal Trainers Are All About:

Personal trainers are fitness enthusiasts who not only enjoy living active and healthy lifestyles but also helping others to do the same. They work closely with clients to assist them in achieving their fitness goals through personalized exercise and diet programs. Personal trainers are certified professionals who have a strong understanding of human anatomy, can motivate clients and design programs tailored to the individual. When clients participate in these programs, personal trainers ensure they are safe and accessible.

The Risks Associated With Being a Personal Trainer:

There are various reasons why personal trainers must be certified to work legally in their field. For example, without proper knowledge of human anatomy, a personal trainer may give advice to clients which results in bodily injury. In this case, a client may seek out compensation to cover any costs associated with medical or surgical treatment. This is why, it is important for personal trainers to invest in insurance to ensure that they have adequate coverage if anything goes wrong.

It is incredibly important for personal trainers to demonstrate to clients that they are equipped with the proper training to ensure that clients are safe. Without adequate training and knowledge, personal trainers can prescribe programs for clients that have not taken into account the variety of unique characteristics individual to a single person. If a person has a pre-existing medical condition, this is something that the personal trainer will want to know. With this information in hand, a personal trainer can provide safe services to clients.

Even if a personal trainer is certified, is equipped with training and knowledge and is well-versed in the unique characteristics of an individual, situations may still arise in which one needs insurance. Sometimes, even with significant foresight, a personal trainer may prescribe a personalized program which results in bodily injury. In such an event, professional liability insurance protects personal trainers by providing coverage for any advice given to clients which results in bodily injury.

When working with clients to achieve their personal health and fitness goals, there is the potential that they may not be pleased with their results. Every body functions differently and as a result, some may get the results they are looking for quicker than others. If an individual is displeased with the services you have provided, they may file a malpractice claim. If a malpractice claim is submitted, there may be significant financial consequences, such as hiring a defense attorney. An investment into malpractice insurance would be beneficial under these circumstances.

In addition to the financial consequences associated with a client submitting a malpractice claim, you may suffer damages to your reputation. As a personal trainer, it is important to build up a strong reputation so that clients hear of your success through other clients that have used your services. If someone hears that you have not provided adequate services, they may think twice about hiring you. In this scenario, malpractice insurance would also be beneficial.

How to Mitigate Risk as a Personal Trainer:

Working closely with others to achieve their health and fitness goals can be a very intimate experience. In many instances, personal trainers will find their careers rewarding as they positively impact the lives of others. However, this may not always be the case as some may struggle to reach their goals or blame the personal trainer for not seeing the results they want quickly enough. Personal training in a high stress environment can impact one’s mental health. Therefore, investing in insurance that protects not only client’s from bodily injury, your own personal finances and reputation but also your own mental health and wellbeing is important.

There are many different circumstances in which investing in insurance is beneficial for personal trainers given the risks described above. Protecting yourself and your clients is an important decision for any personal trainer to make.

What type of insurance does this industry need?

Policy What is it? Why get it Popularity in your industry Want free quotes?
General Liability
This policy protects your business in case of third party claims, such as bodily injury or property damage. For example, the common "slip-and-fall" claim would be covered by your General Liability policy. General Liability insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.

What is it: This policy protects your business in case of third party claims, such as bodily injury or property damage. For example, the common "slip-and-fall" claim would be covered by your General Liability policy.

Why get it: General Liability insurance is often considered to be the core coverage, particularly for businesses that regularly physically interact with customers or sell physical goods. In addition, many businesses have a contract, like a loan or a lease, requiring that they have this coverage.

Commercial Property
This policy protects the business's physical assets and is appropriate whether you own or lease your space. Keep in mind that this policy will only offer protection in the case of covered events. If you need protection for certain scenarios, such as floods or earthquakes, you may need additional coverage. If you have a mortgage or a lease, you may be required to have property insurance. Even if you are not, this is the best way to protect the building you are in and the business property you have in case of a natural disaster or some other accident.

What is it: This policy protects the business's physical assets and is appropriate whether you own or lease your space. Keep in mind that this policy will only offer protection in the case of covered events. If you need protection for certain scenarios, such as floods or earthquakes, you may need additional coverage.

Why get it: If you have a mortgage or a lease, you may be required to have property insurance. Even if you are not, this is the best way to protect the building you are in and the business property you have in case of a natural disaster or some other accident.

Errors & Omissions (E&O)
This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to an error or omission on your part. Your business may have contracts with clients or partners that require E&O coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, E&O coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

What is it: This policy, common in the professional services industry, helps to protect your business if a client believes they've suffered a loss due to an error or omission on your part.

Why get it: Your business may have contracts with clients or partners that require E&O coverage, provide a "warranty or guarantee," or have clauses that require you to "indemnify or hold harmless" your clients. If so, E&O coverage is often recommended. This coverage is also commonly recommended for any businesses providing advice related to legal or financial matters.

Workers Compensation
Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work. Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.

What is it: Workers Compensation covers an employee's lost wages and the cost of resulting medical treatment if they suffer a work-related injury or disease. It also covers services needed to help the employee recover and return to work.

Why get it: Workers Compensation coverage is mandatory in most states. The number of employees after which it's required differs by state, but you will generally need coverage once you have employees.

Hired & Non-Owned Auto
This insurance protects the business in the case of any incidents involving a vehicle that has been hired by the company to be used for business-related purposes. It also provides coverage in the case your business uses other vehicles which are not property of the business, such as having delivery drivers use their own vehicles. If your company hires vehicles or allows employees to use their own vehicles for business purposes, you will want to consider this insurance.

What is it: This insurance protects the business in the case of any incidents involving a vehicle that has been hired by the company to be used for business-related purposes. It also provides coverage in the case your business uses other vehicles which are not property of the business, such as having delivery drivers use their own vehicles.

Why get it: If your company hires vehicles or allows employees to use their own vehicles for business purposes, you will want to consider this insurance.

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