The Hartford offers the best small business insurance for personal training companies due to its affordability and coverage. We recommend comparing quotes from our other top picks, including NEXT, Simply Business and biBerk.
Best Personal Training Business Insurance
Updated: June 30, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford is the best business insurance company for personal training firms because it offers the greatest balance of affordability and customer service.
The cheapest overall commercial insurance provider for personal training businesses is The Hartford, with low monthly rates for various coverage types.
To shop for business insurance for your personal training business, assess the risks in your industry, consult agents and other similar organizations, and compare multiple options.
Best Business Insurance for Personal Training Companies
| The Hartford | 96 | 98 | 91 |
| NEXT | 95 | 96 | 94 |
| Simply Business | 92 | 94 | 83 |
| biBerk | 92 | 94 | 91 |
| Nationwide | 92 | 91 | 91 |
| Hiscox | 89 | 93 | 87 |
| Progressive Commercial | 88 | 91 | 81 |
| Chubb | 85 | 80 | 87 |
| Coverdash | 85 | 80 | 83 |
| Thimble | 82 | 80 | 81 |
*All scores were based on a personal-training business with two employees across professional liability, general liability, workers' comp and BOP policies.
1. The Hartford
pros
Lowest-cost professional liability coverage
Top-rated for affordability and service
Strong financial stability (A+ AM Best)
cons
Digital experience less modern than others
COMPANY HIGHLIGHTS
The Hartford ranks first in our analysis of business insurance for personal trainers. It offers a strong balance of price, protection, and customer service. It has our study's lowest-cost professional liability insurance at $63 per month. The Hartford is competitive for bundled BOP policies, averaging just $26 monthly. Claims are unlikely to go unpaid with an A+ from AM Best for financial strength, which is the best in our study.
2. NEXT
pros
Strong digital purchase and claim tools
Low-cost general liability and BOP
Excellent customer reviews
cons
Slower quote times than competition
Fewer add-on coverage options
COMPANY HIGHLIGHTS
NEXT is one of the best options for tech-savvy personal trainers who want to buy and manage insurance online. It offers general liability, professional liability and BOP at rates among the lowest in the industry. Coverage is customized for fitness professionals, and the customer experience is backed by a 4.7 out of 5.0 rating from over 3,000 reviews. While quote generation may take longer, the platform is ideal if you prefer self-service tools.
3. Simply Business
pros
Strong pricing on multiple policy types
Excellent for comparing multiple insurers
Easy online quote process
cons
Coverage varies by partner carrier
COMPANY HIGHLIGHTS
Simply Business is a great option for personal trainers who want to compare policies from top carriers. The platform partners with major insurers to offer affordable general liability, professional liability and BOP policies through a fast online quote system. It’s owned by Liberty Mutual, giving it strong backing and credibility. Coverage details and claims processes will depend on the carrier you choose through the platform.
Cheapest Business Insurance for Personal Training Firms
Based on our study, biBerk offers the cheapest overall commercial insurance for personal training companies across most policy types. However, this applies only to personal training companies with two employees, and you may find lower rates elsewhere. Below are the most affordable providers by major coverage types.
Cheapest General Liability Insurance for Personal Training Companies
With an average monthly rate of $20, biBerk offers the lowest-cost general liability insurance for personal training companies. You should also consider getting quotes from other affordable insurers, like Nationwide and Simply Business.
| biBerk | $20 | $236 |
| Nationwide | $20 | $241 |
| NEXT | $20 | $243 |
| Simply Business | $20 | $240 |
| The Hartford | $20 | $242 |
| Hiscox | $21 | $247 |
| Progressive Commercial | $24 | $291 |
| Chubb | $28 | $333 |
| Coverdash | $34 | $406 |
| Thimble | $36 | $432 |
Cheapest Workers' Comp Insurance for Personal Training Companies
For personal training businesses shopping for workers' comp insurance, Thimble tops our list as the most affordable insurer, with average rates of $11 per month or $129 yearly. Progressive Commercial, Simply Business, The Hartford and Hiscox may also offer affordable rates.
| Thimble | $11 | $129 |
| Coverdash | $12 | $147 |
| Hiscox | $12 | $144 |
| Progressive Commercial | $12 | $139 |
| Simply Business | $12 | $144 |
| The Hartford | $12 | $146 |
| biBerk | $13 | $152 |
| Nationwide | $13 | $162 |
| NEXT | $13 | $150 |
| Chubb | $14 | $174 |
Cheapest Professional Liability Insurance for Personal Training Companies
The Hartford offers the most affordable professional liability insurance options for personal training companies, with low average monthly rates of $63. You may also want to compare prices from other low-cost providers like NEXT , Progressive Commercial and Simply Business.
| The Hartford | $63 | $754 |
| NEXT | $65 | $782 |
| Progressive Commercial | $67 | $806 |
| Simply Business | $69 | $834 |
| Coverdash | $70 | $845 |
| Hiscox | $70 | $834 |
| Thimble | $70 | $845 |
| biBerk | $73 | $877 |
| Nationwide | $75 | $903 |
| Chubb | $82 | $980 |
Cheapest BOP Insurance for Personal Training Companies
biBerk provides the most affordable business owner's policy (BOP) coverage for personal training companies, with an average yearly cost of $305 for bundled general liability and property protection. That's a savings of roughly $6 annually compared to The Hartford, the second most affordable option.
| biBerk | $25 | $305 |
| The Hartford | $26 | $311 |
| NEXT | $29 | $353 |
| Nationwide | $30 | $363 |
| Simply Business | $30 | $362 |
| Hiscox | $31 | $372 |
| Progressive Commercial | $36 | $438 |
| Chubb | $41 | $497 |
| Coverdash | $49 | $588 |
| Thimble | $56 | $667 |
What Type of Coverage Do You Need for a Personal Training Business?
Most companies with employees are legally required to carry workers' comp insurance, and businesses that use vehicles must have commercial auto coverage. Many clients or contracts also require businesses to carry general liability insurance before starting work. A surety bond may also be necessary in certain industries, especially when contracts require guarantees of service or compliance.
RECOMMENDED BUSINESS COVERAGE FOR PERSONAL TRAINERS
General liability insurance is recommended for personal training businesses because it covers common risks like bodily injury, property damage and legal defense costs. Professional liability insurance is also a smart option for businesses that work under client contracts or provide specialized services. It’s helpful for personal training businesses with commercial contracts or high-risk jobs, like technical, legal or customized services.
Coverage Recommendations by Personal Training Company Type
We've organized a table that ranks personal training services by their risk exposure, starting with those most likely to face claims. This breakdown can help businesses understand their insurance needs, with higher-risk services requiring more comprehensive coverage.
Personal Training Company Type | Coverage Types Recommendation | Most Common Insurance Claims | Most Common Reasons For Litigation |
|---|---|---|---|
Independent Personal Trainers | General Liability, Professional Liability | Client injury during session, damaged property | Improper instruction, lack of informed consent |
Personal Training Studios | BOP, Workers' Comp, General Liability | Slip-and-fall, employee injury, property damage | Unsafe premises, trainer negligence |
Online Fitness Coaches | Professional Liability, Cyber Liability | Claims from improper advice, data breach | Misinformation, unauthorized use of client data |
Group Fitness Instructors | General Liability, Professional Liability | Injury during class, equipment issues | Overcrowding, inadequate safety measures |
Corporate Wellness Providers | General Liability, Professional Liability, Workers' Comp | Client strain or injury, on-site accidents | Failure to screen health conditions, poor supervision |
How to Get the Best Cheap Business Insurance for Your Personal Training Company
Here's a step-by-step method for finding the best and cheapest business insurance for your personal-training company.
- 1
Decide on coverage needs before buying
Consider risks specific to your business for claims, get advice from similar businesses, talk to agents and research the types of business insurance. This will give you a balanced perspective on your coverage needs.
- 2
Research costs
Research average costs for your business to determine the insurance providers that offer the cheapest rates. This will let you know how much you're saving when comparing quotes and which companies to begin with..
- 3
Look into company reputations and coverage options
Research what customers say on online rating sites and forums to get a more comprehensive look at company services. Also, research coverage options to make sure you're covered for the right items.
- 4
Compare multiple quotes through different means
Compare multiple quotes for coverage. Pricing differs by your comparison method, whether with captive agents, comparison sites, company websites or independent agents.
- 5
Reassess annually
Your business situation will change, influencing your rates and coverage needs. Repeat these steps annually to ensure you still have the best deal.
How to Decrease Your Personal Training Business's Liability Risk
Reducing risk is important for personal training businesses to manage insurance costs. We've organized practical risk mitigation strategies based on your business's risk level or service type, helping you minimize liability and keep premiums low.
Personal Training Business Risk Type | Included Business Types | Risk Mitigation Tactics |
|---|---|---|
Highest | Personal training studios with staff, on-site group training, bootcamps | Require CPR and first aid certifications for all staff. Conduct pre-session health assessments and document client consent. Maintain equipment logs and perform regular safety checks. Implement emergency response protocols and staff training. |
Moderately High | Corporate wellness providers, mobile trainers, instructors in client homes | Screen clients for pre-existing conditions before sessions. Use signed waivers outlining risks and boundaries. Ensure safe environments by inspecting client sites before sessions. Maintain professional liability coverage tailored to off-site risks. |
Moderate | Independent personal trainers, group instructors in gyms | Use client intake forms to document medical history and goals. Offer clear instruction with real-time form correction. Stay updated with continuing education and certifications. Maintain insurance that covers shared or third-party facilities. |
Moderately Low | Online fitness coaches, virtual personal trainers | Include health disclaimers on all content. Use secure platforms for client communication and billing. Avoid diagnosing or treating injuries without licensure. Store client data in encrypted systems to prevent breaches. |
Lowest | On-demand fitness app creators, non-live content providers | Include clear warnings and disclaimers with all videos. Prohibit advice that implies a medical relationship. Review content for accessibility and safety risks. Maintain cyber liability coverage to protect user data. |
Best Insurance for Personal Training Business: Bottom Line
The Hartford is the best insurer for personal training business insurance and offers the cheapest option overall. We also recommend getting quotes from NEXT, Simply Business and biBerk. For the best deal, talk to agents, research providers and pricing, and compare multiple quotes.
Personal Training Business Insurance: FAQ
Here are some frequently asked questions about business insurance for personal trainers.
Who offers the best personal training business insurance overall?
The Hartford provides the leading personal training business insurance, achieving top scores in stability and a MoneyGeek rating of 96 out of 100. NEXT follows closely with a robust customer service score.
Who has the cheapest business insurance for personal training companies?
Here are the cheapest business insurance companies for personal training companies by coverage type:
- General liability: biBerk has lowest rates at $20 per month
- Workers' comp: Thimble is the cheapest at $11 per month
- Professional liability: The Hartford has the lowest rate at $63 per month
- BOP: biBerk is most affordable at $25 per month
What business insurance is required for personal training organizations?
Workers' compensation insurance (if you have employees) and commercial auto insurance (if you own business vehicles) are legally required for personal training businesses, with requirements varying by state. While not legally mandated, general liability insurance and surety bonds are effectively needed by most commercial clients and property leases.
How much does personal training business insurance cost?
Business insurance costs for personal training businesses vary depending on the type of coverage. Below, we've broken down costs for commonly needed coverage for small businesses:
- General Liability: $20 per month
- Workers' Comp: $12 per month
- Professional Liability: $63 per month
- BOP Insurance: $25 per month
How We Chose the Best Personal Training Business Insurance
We selected the best business insurer for personal-training companies based on the following criteria:
- Affordability (50% of score): The lower a company's costs compared to the competition based on our base profile for four core coverage types, the better it performs.
- Customer service (30% of score): We scored providers on overall customer satisfaction using industry studies, customer review forum ratings and public forum sentiment analysis from sites like Reddit.
- Coverage (15% of score): We scored business insurance for this category based on the flexibility, payment and actual coverage options.
- Financial stability (5% of score): Using financial stability industry ratings from companies like AM Best and Moody's, we created an overall rating to judge how likely a company is to pay out claims compared to the competition.
All pricing in this article is based on the following base profile to represent the vast majority of small businesses in all states:
- Three-person business with two employees
- Coverage: $1 million per occurrence and $2 million total per year for all but BOP, which includes the same coverage plus $5,000 of business property coverage
- $150,000 in payroll
- $300,000 annual revenue
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- AM Best. "Hartford Fire Insurance Company." Accessed June 30, 2025.
- NEXT. "Customer Reviews." Accessed June 30, 2025.