Personal Trainer Liability Insurance
A practical guide for independent and online personal trainers: why you need coverage, what a policy actually covers, what it costs, and how to choose one.
Why trainers need it
As an independent trainer you carry your own coverage. Gyms insure their employees, not contractors, and online training does not remove liability. Most trainers carry general and professional liability together.
What it actually covers
General liability covers bodily injury and property damage claims. Professional liability, sometimes called errors and omissions, covers claims arising from the advice and programming you provide. Policies commonly include coverage for training delivered remotely.
How much it costs
Independent trainer policies are typically an affordable annual cost, varying with coverage limits, location, and whether you train in person, online, or both.
What to look for in a policy
- Both general and professional liability, not just one
- Explicit coverage for online or virtual training
- Coverage limits that meet any facility or platform requirements
- Whether the policy is occurrence-based or claims-made
Where to get covered
Policies can be quoted and bought online in minutes. StayPrime requires proof of certification from every trainer, and strongly recommends that trainers carry their own liability insurance.