What Insurance Should a Personal Trainer Have?

If you are wondering what types of insurance coverage you should have as a personal trainer, the answer can vary depending on a variety of factors. Does your business have a set location, or do you run online classes? Do you want to insure the equipment that you may provide to your clients? These are just a few of the possible factors that could affect what insurance you as a personal trainer should have. The following are some common business insurance policies you should consider if you are in the personal trainer industry.

Commercial Property & Equipment

This coverage can protect your building and the equipment you use to operate your business. For personal trainers, your day consists mainly of being at a gym, and having this insurance can help cover your weights, cardio machines, racks, and other equipment against theft, loss, vandalism, and in some cases damage. Even if your business is home-based, standard homeowners’ insurance policies do not typically provide coverage (or may provide only very limited coverage) for business equipment losses.

Workers’ Compensation

If your training business has employees, Workers’ Compensation may be a state requirement. It can help cover medical bills for employees that are injured or become ill because of work related events. It can also help cover a portion of lost wages.

General Liability

General liability insurance helps to provide your company with protection from third-party liability claims, which can include claims for personal injury and/or property damage caused by the alleged negligence of your company and/or employees.

Cyber Liability

Cyber liability insurance helps to provide your company with protection from data recovery costs, reputational damage, and income loss if your clients’ data and records are exposed. Businesses today are becoming increasingly reliant on technology, making the possibility of data breaches less of an “if” and more of a “when”. A data breach can do more than just damage your computer system- it can also result in fines and legal fees. Below is a list of factors that could help you determine if your business needs cyber insurance.

Consider talking to your local insurance agent about cyber insurance if:

  • Your business handles credit card numbers
  • Your business uses computers and mobile devices
  • Your business keeps medical data
  • Your business keeps financial data
  • Your business stores confidential customer information

Professional Liability Insurance

Also known as Errors and Omissions (E&O Insurance), Professional Liability can help protect you if a client believes a mistake you made caused financial loss or caused them physical ailments and decides to sue you. An example of a situation that could expose your personal training business to professional liability includes offering advice or training that turns out to be inaccurate or harmful.

Business Owner’s Policy

A Business Owner’s Policy (BOP) is a policy that combines both general liability and property insurance. While general liability applies to personal injury and property damage claims made by a customer or other third-party, general liability doesn’t provide coverage for your property. Having a Business Owner’s Policy can help protect your potential property losses.


To see what coverages you should consider and compare rates, connect with your local office.  


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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