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Personal Trainer Insurance

Many professions require specialized forms of insurance, and as a personal trainer, your career comes with a certain degree of professional liability that others may not experience.

Being a personal trainer is a rewarding career, but it can lead to increased insurance risks because there are many ways for your clients to get hurt, and you can't watch everybody at every moment. On any given day, you might have people who push themselves harder than they should, ignore the warning signs that their bodies provide, or refuse to take the advice you’ve given them. Many of these problems aren't your fault, especially if you keep clients informed of best health practices without exceeding the scope of your responsibilities. However, aggressive clients may still sue for negligence if they injure themselves under your supervision.

Personal trainer insurance can act as a buffer between you and the claims that injured parties may make. insureCAL Insurance Agency agents can help you keep important aspects of your career and this coverage in mind when considering insurance as a personal trainer.

Personal Trainer Insurance Coverage Options

There are two major components of personal trainer insurance, both of which are needed for truly comprehensive coverage.

  • Professional Liability Insurance covers lawsuits ranging from injuries caused by improperly maintained equipment to claims of misconduct. For professional trainers, the most common problems stem from interacting with a customer's belongings, or from saying or writing something that a client finds offensive. Be sure to ask an agent about how much liability insurance you're likely to need, since different trainers often need different amounts, depending on their clientele and style of personal training (training for the elderly or high-intensity training, for instance).
  • Miscellaneous Personal Trainer Insurance helps cover claims for bodily injuries that come from either incorrectly providing or failing to provide a promised service. Claims of this type can reach several hundred thousand dollars or more, so it's important to have enough coverage to pay off your claims if you ever end up needing to use this insurance.

Personal Trainer Insurance Requirements

As a personal trainer, you may be asked to provide evidence of certification in your field before a policy will be offered. Experienced trainers—particularly those who have avoided claims in the past—may be eligible for a discounted rate on their policy.

1. "The Role of a Personal Trainer | Resources." Accessed April 11, 2016. https://www.nfpt.com/the-role-of-a-personal-trainer.

2. "Woman Wins $300k Due to Personal Trainer’s Negligence ..." Accessed April 11, 2016. http://blog.lawyer.com/index.php/2012-04-23-woman-wins-300k-due-to-personal-trainers-negligence/.

Our Location

insureCAL Insurance Agency

1065 Colorado Ave Suite 5
Turlock, CA 95380
Main office: 209-250-0269
Fax: 209-633-5799

Our Providers

Testimonials

"Thanks for the great service you provide your customers!"

Penny L.
"Brandi was very helpful during my Workers' Comp audit saving me over $10,000. She was also more than willing to help me on my past claim for my farm machinery."

Villarreral Ag Services
"Thank you so much for all your help! I always rave about how easy and efficient it is to do everything with you."

Matt B.
"The best service and rates in town. They've covered my home, auto and my small business and it couldn't have been a smoother process. You're the best insureCAL!!"

Greg P.
"Great response time and knowledge. The cost for coverage far surpasses other insurance carriers I have had in the past. Definitely the most efficient agent I've ever dealt with as well. Very positive experience!"

Haley M.
"They are responsive and prompt. I was able to get a quote for my auto and renters at the same time, and saved with Colbie McRae when I bundled The two together. Colbie got me a quote for my motorcycle insurance, and was courteous enough to let me know that I may be able to find a better price if I were to shop around. Very honest place of business, I recommend everyone to call insureCAL."

Odis D.
"Hands down easiest insurance agency to work with. We had the best customer service experience from beginning to end. I'm so happy with our coverage and would refer insureCAL to all our family and friends."

Nicole P.