Best Personal Training Business Insurance

The Hartford tops our rankings for personal training business insurance with a MoneyGeek score of 4.78 out of 5, delivering competitive rates and quality service with comprehensive coverage. Whether you run a mobile fitness business or private studio, The Hartford provides strong financial protection. Compare quotes from Simply Business and NEXT to find your best fit.

Note: We based all scores on a personal-training business with two employees across professional liability, general liability, workers' comp and BOP policies.

The Hartford leads personal training business insurance at $33 monthly ($398 annually), offering the lowest rates for general liability and professional liability coverage. For certified personal trainers seeking cheap workers comp, NEXT Insurance offers slightly lower rates at $24 monthly. biBERK provides the most affordable BOP at $25 monthly for fitness trainers needing bundled coverage.

The Hartford offers the cheapest general liability insurance for personal trainers at $19 monthly ($228 annually), beating the $24 monthly industry average by 21%. That saves certified personal trainers $60 annually while providing essential bodily injury and property damage protection.

Fitness professionals employing other trainers pay an average of $25 monthly for workers' compensation, but NEXT has the lowest workers' compensation rates at $24 monthly ($283 annually). That's a 4% discount, saving personal training businesses $18 yearly. The Hartford and Thimble match this rate, providing certified personal trainers several budget-friendly choices.

Professional liability coverage costs $70 monthly for fitness trainers, but personal training business owners can cut costs with The Hartford. It offers the cheapest professional liability insurance at $63 monthly ($753 annually). That's 10% below average, saving certified personal trainers $84 yearly. NEXT ($65 monthly) ranks second.

Most fitness professionals pay $35 monthly for bundled coverage, but biBERK delivers the most affordable BOP insurance at just $25 monthly ($305 annually). Personal trainers save $121 yearly, 29% below the industry average. The Hartford, costing $26 monthly, follows closely.

The cost of personal training business insurance varies by coverage type, with these averages for the four most popular policies:

• General Liability: $21 on average per month, ranging from $21 to $28, depending on the state
• Workers' Comp: $25 on average per month, ranging from $22 to $29, depending on the state
• Professional Liability (E&O): $70 on average per month, ranging from $59 to $83, depending on the state
• BOP Insurance: $35 on average per month, ranging from $30 to $41, depending on the state

Your required coverage for personal trainers starts with professional and general liability. These protect you when a client gets hurt during a session or claims your programming caused an injury. Beyond these, you'll need workers' comp if you hire other trainers, commercial auto if you travel to clients and cyber liability if you're storing health assessments and payment info online.

• Professional Liability Insurance: It covers you when clients blame your training for their injuries or setbacks. Maybe a client with an undisclosed heart condition has a cardiac event during high-intensity intervals, or someone claims you pushed them too hard and caused a rotator cuff tear. Legal defense alone can cost tens of thousands, so limits of $1 million per occurrence and $2 million aggregate give you solid protection without breaking the bank.
• General Liability Insurance: Covers the everyday accidents that happen in training environments. A client rolls their ankle on a kettlebell you left out, or you accidentally shatter their phone screen while demonstrating a plank. Most gyms won't let you train clients without proof of this coverage, and standard $1 million per occurrence limits handle most claims you'll experience.
• Workers' Compensation Insurance (when you have employees): Once you hire another trainer or front desk staff, you'll need workers' comp in most states. Requirements vary wildly: California needs it with just one employee, Florida at four employees. It pays medical bills and lost wages when your employee herniates a disc moving plates or tears their ACL demonstrating a plyometric drill.
• Commercial Auto Insurance or Hired and Non-Owned Auto (for mobile trainers): If you're driving to clients' homes, parks or corporate wellness sessions, your personal car insurance won't cover accidents that happen en route. Hired and non-owned auto works when you're using your own vehicle for business, while commercial auto covers company-owned vans or trucks you use to haul equipment between locations.
• Cyber Liability Insurance (for online and hybrid trainers): Online trainers experience real exposure: you're storing client health questionnaires, injury histories and credit card details. If your laptop gets stolen from your car or you fall for a phishing scam, you're on the hook for notifying every affected client and potentially providing credit monitoring. It handles those costs plus any regulatory fines from data breaches.
• Business Owner's Policy (for studio owners): If you own or lease your own training space, a BOP bundles property and liability coverage together. It protects your squat racks, treadmills and dumbbells from theft or fire damage, plus covers client injuries in your facility. You'll usually save money compared to buying general liability and property insurance separately, with standard $1 million per occurrence limits.

Follow our approach to getting business insurance that protects you without overpaying.

The Hartford is the best insurer for personal training business insurance and offers the cheapest option overall. We also recommend getting quotes from NEXT, biBERK and Simply Business. For the best deal, consult agents and similar businesses, research costs and companies, and compare multiple quotes.

We answer frequently asked questions about personal training business insurance:

We selected the best business insurer for personal trainers 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 the company 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 providers 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 companies are 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