Personal Trainer Insurance
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No obligation, free to apply

Personal Trainer Insurance

Being a personal trainer is a rewarding job that requires immense dedication from an instructor and their client. While the health and fitness journey of those you train should be your focus, it’s also wise to consider what happens when something goes wrong.

If a client’s past injury is worsened during a workout and you’re held liable, what do you do then? A client could also have a health condition that neither you nor the client are aware of. Complications caused by chronic conditions can be dangerous. But that’s where personal trainer insurance comes in.

Also known as fitness instructor insurance and gym insurance, personal trainer insurance is essential for anyone working in the health and fitness industry.

It doesn’t matter how good or careful you are at your job. There’s always a chance something could happen to a client that results in a lawsuit. It’s always best to have an insurance policy in your back pocket if something goes wrong.

Let’s look at the vital aspects of fitness instructor insurance below.

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What is Personal Trainer Insurance?

Personal Trainer Insurance is a legal agreement between you and an insurance company.

Your insurer agrees to cover you financially if you’re sued for a monthly or yearly fee.

Much like how you insure your car or house for fire hazards or third-party injury, you can do the same for your occupation as a personal trainer.

This type of occupational insurance protects you from lawsuits, financial losses, and damages that result from your business activities.

Personal trainer insurance can also help in these ways:

  • Assuring landlords, gym owners, and clients that you’re a true professional who knows what you’re doing
  • Handling issues, claims, and allegations
  • Ensuring cases are handled quickly and efficiently
  • Protecting your profession, finances, and future
  • Giving you the confidence to do your job because you know your insurer has your back if something goes wrong.

Personal trainer insurance should not be confused with a liability waiver.

As a fitness instructor, you may require clients to sign one. While this can be a reassuring document while working with various individuals, it has a flaw.

A liability waiver only protects you from liability arising from the inherent risk of training. It won’t protect you from claims of gross negligence.

On the other hand, personal trainer insurance extends protection beyond the inherent risks of training.

How It Works

After you find an insurer that meets your needs, you will sign a legally binding insurance agreement.

As the policyholder, you pay an annual or monthly fee to the insurance company. This fee is known as an insurance premium.

If you’re sued or need to replace stolen equipment, you will put in a claim with the insurance company.

After providing all relevant information, your insurer will cover the cost of a lawyer to defend you in court or reimburse you for the cost of your insured property.

Why You Need Personal Trainer Insurance

Fitness instructors face several risks. Whether you host classes online or train clients in multiple gyms, you may face dangers such as:

  • Accusations about misleading advice that resulted in injury or illness
  • Causing personal injury to someone other than your client
  • Client injury while under your supervision
  • Damage to other people’s personal property, such as breaking gym equipment while demonstrating an exercise to a client
  • Promising results from fitness training
  • Damage or theft of your exercise equipment
  • Using photos of previous or present clients in promotional materials

You can’t predict if something will go wrong while training a client. Accidents happen every day, and they’re often beyond our control.

It may be a routine day at work that ends in a piece of equipment breaking because it was misused. Or a simple workout that reactivates a client’s previously unnoticed injury.

Any risks associated with your training can jeopardize your career and reputation.

Therefore, it’s vital for anyone in the health and fitness industry to invest in insurance.

Even a careful and seasoned personal trainer faces the danger of damaged equipment or client injury. While you may not intend for this to happen, it’s wise to have insurance to cover your legal costs and other fees.

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Who Needs It?

Individuals and businesses who provide fitness training services in-person or online need personal trainer insurance.

Whether you use video conferencing, own a studio or a gym, or make house calls for your clients, insurance can protect you when the unexpected happens.

Fitness training and health professionals who would need insurance include, but are not limited to:

  • Fitness Exercise Instructors
  • Yoga Teachers
  • Freelance Personal Trainers
  • Pilates Instructors
  • Cardio Trainers
  • Zumba Instructors
  • Health and Lifestyle Coaches
  • Online Instructors
  • Aerobics Instructors
  • Dance Instructors

If you’re a gym owner, you will need to get gym insurance.

This is separate from the insurance you get for the premises (tenants insurance), which your landlord may require.

Although tenants’ insurance covers you if someone slips and falls inside or outside the premises, it may not cover you for damages and injury caused by your personal trainers to others.

The Different Types of Coverage

There are several different risks and situations covered by fitness instructor insurance.

While there is standard coverage, such as professional liability insurance, there are add-ons you can include in your policy.

Commercial General Liability (CGL) Insurance

Commercial general liability (CGL) insurance protects you from the everyday risks of providing a personal training service.

This includes third-party bodily injury, third-party property damage, and personal and advertising injury.

If, for instance, a client drops a weight on their foot and the resulting injury requires medical attention, your CGL insurance can cover medical and legal expenses. Or, if you damage a mirror at the gym you’re working from while demonstrating a technique to a client, your policy will cover the costs to fix the damage.

Commercial general liability insurance is essential coverage because of your profession’s inherent risks. Therefore, it’s often a standard inclusion in any fitness instructor insurance policy.

Professional Liability Insurance

Also known as errors and omissions insurance, professional liability insurance covers professional negligence, breach of contract, and errors or oversights.

It covers monetary judgements and other expenses associated with a lawsuit, such as expert testimony and legal fees.

For example, suppose you teach a yoga class online. An attendee later sues you because they feel your instruction didn’t provide the expected results. In that case, your professional liability insurance will protect you by covering damages and settlement costs.

Most gyms and studios require you to have professional liability insurance before you’re allowed to work with clients.

Additional Coverage Options

Every insurance company provides different personal training insurance coverage.

Some may have cybersecurity insurance, while others only offer standard coverage, such as professional liability insurance and general liability insurance.

The same goes for the add-ons they offer.

Not every insurance company will have the same additional coverage options. Also, those add-ons mentioned below may be included in a policy without an additional charge.

However, if they aren’t, you should consider including them in your policy if they pertain to your niche.

Equipment Insurance

As someone working in the health and fitness industry, you make a significant investment in state-of-the-art workout equipment. This equipment allows you to help your clients reach their health goals and better serve them.

Contents insurance will cover you if you damage your exercise equipment during a workout with a client or someone steals them from your car.

It provides coverage for your property (i.e. workout equipment, diagnostic tools) for instances such as:

  • Lost or stolen equipment,
  • Unintentional loss or damage to rented equipment
  • Accidental loss or damage and loss-of-use of your equipment

Product Liability Insurance

Claims of property damage or physical injury caused by a product you manufacture, distribute, or sell are covered by product liability insurance.

Product liability insurance protects you from damages that result from the design, marketing, or manufacturing flaws and defects of a product.

This includes incorrect labelling and safety warnings.

It covers products such as equipment, supplements, and any wearable technology you sell to your clients.

Say, for instance, you sell nutritional supplements to a client. Later, they claim it had a severe adverse effect on their health, and they sue you. Although you didn’t manufacture the supplements or intend to harm your client, you are held liable.

Product liability insurance will cover medical fees, including legal expenses and settlement payments.

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Commercial Property Insurance

Suppose you need to rent a space from a studio or a gym to provide your personal training service. In that case, it’s vital to have commercial property insurance.

Most property owners will require you to have commercial property insurance before using the space.

It will cover you for the cost to repair any damage done to the premises you’re occupying.

For example, if you drop a barbell while demonstrating an exercise to a client and damage the floor, your landlord will require you to pay for the repairs. This expense could put a massive dent in your cash flow.

Commercial property insurance also covers you for damages that are out of your control, such as a fire or theft. In addition, catastrophic weather-related events.

This type of coverage will also cover you for lost income when an insured event occurs.

Cybersecurity Insurance

The ability to host digital training sessions provides several benefits for fitness instructors.

It allows you to connect with clients from anywhere. They can sign up for your programs, courses, or classes without leaving the comfort of their homes and make payments online.

You can save on rent for a space to host sessions as well.

The demand for online and at-home fitness services has increased, mainly because people enjoy the flexibility of choosing when to work out.

With this change, every personal trainer must be aware of the hazards of the digital world. This includes data breaches, hacking, and ransomware.

If you store your clients’ financial and medical data for your fitness app, you’re responsible for protecting this information. Should a hacker circumvent any security system you have in place and access the credit information of your clients, there could be severe legal repercussions.

Cybersecurity insurance protects you from the risk of cybercrime. It will cover the costs that result from any cyberattacks involving your technology systems.

Which Type of Coverage Do Personal Trainers Need?

Considering the various options available, you may be wondering which one would be suitable for you.

At a minimum, you should have general liability insurance and professional liability insurance.

The add-ons depend on your niche.

For instance, you may need cybersecurity insurance if you provide online fitness courses.

However, if you only train clients in person, you won’t need to purchase this add-on.

Instead, you might consider including contents insurance to protect your exercise equipment.

Factors That Influence the Cost of Personal Trainer Insurance

The amount you pay for personal trainer insurance will vary according to your needs.

An insurance premium can start as low as $129 per year and reach as high as $330 annually.

The risks your business faces can raise your premiums and make personal trainer insurance more costly.

However, as with any type of insurance, the benefits outweigh the cost.

The insurance company will cover legal and settlements costs when you’re insured.

The last thing you want is to pay thousands of dollars for legal fees over a matter that was beyond your control.

With an insurance policy in hand, you will save money.

These factors determine the cost of personal trainer insurance.

Coverage Limits

Every fitness instructor faces different risks with their job. You will require a tailored policy that will cover you on every front.

Therefore, if you specialize in high-intensity interval training, you will need coverage that differs from a yoga instructor’s coverage. Perhaps you would even need more coverage.

You can select the limit of how much an insurer will pay for a claim (i.e. your coverage limit).

The coverage limits you select for your policy will influence the cost of personal trainer insurance. The more coverage you require, the more you will pay.

Coverage Duration

The period you wish to be insured will affect the cost of personal trainer insurance.

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Training, Certifications, and Experience

Insurers consider a personal trainer with more experience as less of a risk than someone just starting out.

A seasoned fitness instructor is considered more likely to work with a client in a straightforward manner that reduces the likelihood of injury.

Your training and certifications also affect the cost of personal insurance.

If you can prove you’re qualified to do your job, your insurance premiums will be lower.

Services Provided

The type of training you offer will affect the cost of fitness instructor insurance.

Training that’s considered more of a risk by an insurance company will cost you more in insurance premiums.

Previous Insurance Claims

An insurer will consider your claims history to determine your coverage and premiums.

If you have filed several claims in the past in a short period, then you may have a higher premium. However, if you’re claims-free, you will pay less for insurance.

Business Location

Personal trainers and instructors who work from home are likely to have lower insurance premiums than those who rent a space in a gym or studio.

The reason is, there’s a higher general liability risk if you rent or own a space.

Number of Employees

Suppose you own a gym or a studio with five trainers or instructors. In that case, you will pay less for personal trainer insurance than someone who has 30 employees.

This is because each of your employees could cause a claim. Your insurer would have to pay for every claim that arises, which may threaten their solvency.

Choosing the Best Personal Trainer Insurance for You

Finding the best personal trainer insurance company is essential. You want to ensure you’ll be covered for any hazards of your job.

In addition, gyms often require personal trainers and instructors to have a robust insurance policy on hand. Without one, you may not be able to host classes or train clients on the premises.

That’s why you should spend as much time as possible doing your research. Consider several insurers and make a conscious decision based on your needs.

Keep these steps in mind when choosing personal trainer insurance:

1.  Determine What Coverage You Need

Consider the day-to-day operations of your business and the services you provide. Think about the risks you and your clients face.

By thoroughly assessing your business, you can determine what type of coverage you need.

You’ll also learn what coverage limits are best for you.

2.  Consider Additional Protection

If additional risks not covered by professional liability insurance and general liability insurance came up during your assessment in the previous step, consider getting additional protection.

If you host exercise classes online, you may want to invest in cybersecurity insurance to protect your attendee’s information. Or, if you sell protein shakes on behalf of another company, getting product liability insurance coverage will protect you from any lawsuits.

3.  Get Multiple Quotes

Once you’ve determined the type of coverage you need and the add-ons you’d like to include, it’s time to shop around.

This is an essential step because it’s your chance to find the most comprehensive and cost-effective insurance policy for you.

You can work with a broker to find different insurers in Canada. You can also contact multiple insurance companies directly. However, it can take a lot of time.

4.  Weigh the Price Against the Benefits

The cost of insurance alone may help you decide on a policy if you don’t have complex needs.

However, perhaps you work at multiple locations and need protection for outdoor activities. You will need to look at the coverage included in an insurance policy in that instance.

While some insurance policies have a high price, they may not offer you as many benefits as you think. The same goes for the cheapest personal trainer insurance policy.

That’s why it’s essential to compare the price of a policy with the included coverage.

Even if you are working with a strict budget, consider a low-priced policy’s benefits.

5.  Compare Insurance Providers

Once you have your quotes, compare what each insurance company offers.

Comparison websites like Comparewise are an excellent choice when looking to compare different insurance companies.

With a simple search and a few clicks of your mouse, you can compare insurers in one place. It’ll save you time and hopefully help you make a faster decision.

As you compare your options, consider:

  • The policy’s cost
  • The coverage limits
  • The insurance company’s history of paying out claims
  • Customer reviews
  • Customer service ratings

Also, look out for member benefits, additional perks, and bonus protections.

In addition, consider the restrictions of the insurance policy. Not everything will be covered. Therefore, you should know what isn’t before closing the deal with your signature.

For instance, if you register your operating address as your home, clients you train at a local gym will not be covered.

Read the fine print to prevent being held personally accountable for a circumstance that isn’t covered.

An insurer that goes beyond providing general and professional liability insurance is worth the bet. They factor in what happens in the real world by providing insurance for your exercise equipment or for cyberattacks.

Remember, an insurance policy that’s worth investing in will provide protection outside of the gym or studio.

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A Personal Trainer Insurer in Canada: Apollo Insurance

Apollo Insurance is an online insurance provider. You can get a quote and sign up for an insurance policy online without having to leave the comfort of your home.

Personal trainer insurance is one of the several insurance options offered by Apollo Insurance to its customers.

This is the coverage included in a fitness instructor insurance policy from Apollo Insurance:

  • General Liability Insurance – provides coverage for instances of third-party property damage and third-party bodily injury.
  • Professional Liability Insurance – provides protection for negligence, failure to deliver a service as advertised, and misconduct.
  • Contents Insurance – protects your property (i.e. exercise equipment) from theft and damage.

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Fact Checked

FAQs about
Personal Trainer Insurance

What is personal trainer insurance?

Personal Trainer Insurance is a legal agreement between you and an insurance company. Your insurer agrees to cover you financially if you’re sued for a monthly or yearly fee.

Much like how you insure your car or house for fire hazards or third-party injury, you can do the same for your occupation as a personal trainer.

How does personal trainer insurance work?

As the policyholder, you pay an annual or monthly fee to the insurance company. This fee is known as an insurance premium. If you’re sued or need to replace stolen equipment, you will put in a claim with the insurance company.

Why do I need personal trainer insurance?

You can’t predict if something will go wrong while training a client. Accidents happen every day, and they’re often beyond our control.

It may be a routine day at work that ends in a piece of equipment breaking because it was misused. Or a simple workout that reactivates a client’s previously unnoticed injury. Any risks associated with your training can jeopardize your career and reputation.

Therefore, it’s vital for anyone in the health and fitness industry to invest in insurance.

Who needs personal trainer insurance?

Fitness training and health professionals who would need insurance include, but are not limited to:

  • Fitness Exercise Instructors
  • Yoga Teachers
  • Freelance Personal Trainers
  • Pilates Instructors
  • Cardio Trainers
  • Zumba Instructors
  • Health and Lifestyle Coaches
  • Online Instructors
  • Aerobics Instructors
  • Dance Instructors
What kind of personal trainer insurance do I need?

At a minimum, you should have general liability insurance and professional liability insurance.

The add-ons depend on your niche. For instance, you may need cybersecurity insurance if you provide online fitness courses.

Personal Trainer Insurance
made Simple

No obligation, free to apply

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