Personal Training Business Insurance Cost (2025 Rates)

Updated: October 21, 2025

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Key Takeaways

Personal training business insurance costs $288 to $426 annually on average, varying by coverage type, location and industry specialization.

Your personal training insurance premiums fluctuate based on your state, past claims, services you provide and employee count.

Shop multiple business insurers, combine policies, raise deductibles and pay yearly to lower your personal training business insurance expenses.

How Much Is Insurance for a Personal Training Business?

We found average business insurance costs for personal training companies for commonly needed coverage are as follows:

Complete Personal Training Insurance Package: $131 per month or $1,571 yearly for a combined BOP, workers' comp and professional liability bundle.
General Liability Cost: $24 monthly or $288 annually
Workers' Compensation Cost: $25 per month or $301 per year
Professional Liability Cost: $70 per month or $844 annually
Business Owner's Policy (BOP) Cost: $35 monthly or $426 annually


BOP	$35	$426
General Liability	$24	$288
Professional Liability (E&O)	$70	$844
Workers' Comp	$25	$301

Note: We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your rates will vary based on your specific business factors and location.

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Industry

State

Personal Training Business Insurance Cost of General Liability Coverage by State

Your personal training business insurance cost for general liability coverage depends on where you operate. Maine offers the best value at $21 monthly compared to the $24 national average, while New York costs $28 monthly for coverage.


Alabama	$24	$282
Alaska	$23	$281
Arizona	$23	$273
Arkansas	$23	$276
California	$27	$321
Colorado	$24	$286
Connecticut	$26	$313
Delaware	$26	$309
Florida	$26	$312
Georgia	$24	$292
Hawaii	$26	$315
Idaho	$23	$273
Illinois	$26	$316
Indiana	$23	$281
Iowa	$23	$274
Kansas	$23	$280
Kentucky	$22	$267
Louisiana	$28	$333
Maine	$21	$249
Maryland	$23	$275
Massachusetts	$25	$302
Michigan	$23	$273
Minnesota	$22	$270
Mississippi	$24	$289
Missouri	$24	$285
Montana	$24	$287
Nebraska	$23	$272
Nevada	$27	$326
New Hampshire	$24	$286
New Jersey	$27	$326
New Mexico	$24	$290
New York	$28	$335
North Carolina	$21	$249
North Dakota	$21	$250
Ohio	$22	$267
Oklahoma	$23	$276
Oregon	$22	$267
Pennsylvania	$28	$332
Rhode Island	$26	$316
South Carolina	$25	$296
South Dakota	$22	$269
Tennessee	$23	$281
Texas	$24	$290
Utah	$23	$274
Vermont	$23	$276
Virginia	$22	$262
Washington	$27	$327
West Virginia	$25	$302
Wisconsin	$24	$282
Wyoming	$22	$266

Note: We based these general liability rates on personal training businesses with two employees across different states. Your rates will vary based on your location, claims history and the services you provide.

Personal Training Business Insurance Cost of Workers’ Compensation Coverage by State

The cost of workers' compensation insurance differs across states. Maine has the most affordable rates at $22 monthly, while Pennsylvania reaches $29 monthly. Our analysis shows that state regulations and claim histories drive these pricing variations.


Alabama	$25
Alaska	$23
Arizona	$24
Arkansas	$24
California	$28
Colorado	$25
Connecticut	$27
Delaware	$27
Florida	$27
Georgia	$25
Hawaii	$27
Idaho	$24
Illinois	$27
Indiana	$25
Iowa	$24
Kansas	$24
Kentucky	$23
Louisiana	$29
Maine	$22
Maryland	$24
Massachusetts	$26
Michigan	$24
Minnesota	$23
Mississippi	$25
Missouri	$25
Montana	$25
Nebraska	$24
Nevada	$28
New Hampshire	$25
New Jersey	$28
New Mexico	$25
New York	$29
North Carolina	$22
Oklahoma	$23
Oregon	$23
Pennsylvania	$29
Rhode Island	$28
South Carolina	$26
South Dakota	$23
Tennessee	$25
Texas	$25
Utah	$24
Vermont	$24
Virginia	$23
West Virginia	$26
Wisconsin	$24

Note: We based these workers' comp rates on personal training businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.

Personal Training Business Insurance Cost of Professional Liability Coverage by State

Your professional liability cost varies by state. Nationwide, businesses pay an average of $70 monthly for this coverage. North Dakota offers the most affordable rates at $59 monthly, while Pennsylvania has the highest costs at $83 monthly.


Alabama	$69
Alaska	$64
Arizona	$68
Arkansas	$68
California	$79
Colorado	$69
Connecticut	$77
Delaware	$77
Florida	$76
Georgia	$72
Hawaii	$73
Idaho	$66
Illinois	$78
Indiana	$67
Iowa	$67
Kansas	$69
Kentucky	$66
Louisiana	$80
Maine	$60
Maryland	$67
Massachusetts	$73
Michigan	$66
Minnesota	$66
Mississippi	$70
Missouri	$70
Montana	$71
Nebraska	$67
Nevada	$81
New Hampshire	$69
New Jersey	$80
New Mexico	$71
New York	$81
North Carolina	$61
North Dakota	$59
Ohio	$66
Oklahoma	$66
Oregon	$65
Pennsylvania	$83
Rhode Island	$77
South Carolina	$71
South Dakota	$67
Tennessee	$69
Texas	$70
Utah	$67
Vermont	$67
Virginia	$64
Washington	$80
West Virginia	$74
Wisconsin	$69
Wyoming	$64

Note: We based these professional liability rates on personal training businesses with two employees across different states. Your rates will depend on your services offered and location.

Personal Training Business Insurance Cost of BOP Coverage by State

Personal training business insurance costs depend heavily on your state, with BOP insurance cost varying across the country. You'll pay as little as $30 in North Carolina or as much as $41 in Louisiana for the same coverage level.


Alabama	$34
Alaska	$35
Arizona	$33
Arkansas	$33
California	$40
Colorado	$36
Connecticut	$38
Delaware	$38
Florida	$39
Georgia	$36
Hawaii	$38
Idaho	$33
Illinois	$39
Indiana	$33
Iowa	$33
Kansas	$34
Kentucky	$34
Louisiana	$41
Maine	$31
Maryland	$34
Massachusetts	$38
Michigan	$34
Minnesota	$32
Mississippi	$36
Missouri	$36
Montana	$36
Nebraska	$33
Nevada	$40
New Hampshire	$35
New Jersey	$41
New Mexico	$36
New York	$41
North Carolina	$30
North Dakota	$31
Ohio	$33
Oklahoma	$34
Oregon	$33
Pennsylvania	$40
Rhode Island	$40
South Carolina	$36
South Dakota	$33
Tennessee	$35
Texas	$35
Utah	$34
Vermont	$34
Virginia	$32
Washington	$40
West Virginia	$36
Wisconsin	$35
Wyoming	$33

Note: We based these BOP rates on personal training businesses with two employees across different states. Your rates will vary based on your business size, location, and coverage needs.

Personal Training Business Insurance Cost by Provider

Personal Training business insurance costs vary by provider, ranging from $33 to $47 monthly. These price differences reflect each insurer's market focus and risk assessment strategies, which shift based on profitability and coverage expansion opportunities.


Chubb	$45	$542
Coverdash	$45	$539
Hiscox	$37	$440
NEXT Insurance	$34	$412
Nationwide	$38	$462
Progressive Commercial	$38	$460
Simply Business	$36	$433
The Hartford	$33	$398
Thimble	$47	$564
biBERK	$36	$434

Personal Training Business Insurance Cost Factors

Personal training business insurance costs depend on multiple factors insurers review when determining your policy rates:

Geographic location

Lawsuit trends and state regulations affect rates. Areas with aggressive personal injury litigation or strict fitness facility laws have higher premiums than regions with more relaxed legal environments.

Safety record and claims history

Client injuries during training sessions trigger costly liability claims. Whether it's a torn rotator cuff from improper spotting or a cardiac event during intense exercise, past incidents increase your insurance costs.

Training location

Working in commercial gyms provides some liability protection through facility insurance. Independent trainers operating private studios or traveling to client homes assume full responsibility for accidents, which translates to different premium structures.

Employee count and payroll

Building a team of trainers means purchasing workers' comp to protect your staff. Solo operations avoid this expense entirely, while studios employing several fitness professionals must factor in coverage costs that grow with each person added.

Services offered

Basic strength training and cardio coaching present standard risk for this profession. Offering high-intensity bootcamps, Olympic lifting instruction or working with special populations like seniors or injured clients increases your liability exposure noticeably.

Business size and revenue

Client load and session frequency reflect your total exposure to potential claims. Independent trainers seeing 15 clients weekly for $35,000 annually have different underwriting than boutique studios generating $200,000 through group classes and private sessions.

Coverage limits

Professional liability protects against claims of negligence or inadequate instruction. Most trainers carry $1 million in coverage as standard, though those working with high-risk populations or offering specialized programs may need higher limits at increased cost.

Equipment values

Weights, resistance bands and cardio machines require property coverage if you own a facility. Mobile trainers with minimal gear pay far less than studio owners investing in full equipment suites, mirrors and flooring.

Certifications and training

Recognized credentials from organizations like NASM or ACE demonstrate professional competency to insurers. Newly certified trainers without extensive experience have higher rates than established professionals with years of safe training documented.

How to Get Cheap Personal Training Business Insurance

Cutting costs on personal training business insurance begins with comparison shopping and proven practices. Use our step-by-step guide to smart business practices to secure cheap business insurance for your personal training business and strengthen your long-term risk profile.

1
Choose the right coverage types for your business
Personal trainers need professional liability for exercise-related injuries like muscle strains or heart complications, general liability for slip-and-falls in your facility or at client locations and equipment coverage for weights, resistance bands and training gear.

Add sexual misconduct coverage since allegations can arise despite proper conduct, product liability if you sell supplements or nutrition products and commercial auto if you travel to clients' homes or outdoor training locations.
2
Shop multiple insurance companies
Training insurance rates vary based on whether you operate a private gym, train clients at their homes or offer group fitness classes and boot camps. Fitness-focused insurers understand certification requirements and injury risks for different training modalities better than general carriers.
3
Bundle your coverage types
Combining professional liability, general liability and equipment coverage saves 16% to 24% compared to purchasing separately. Many fitness insurers offer personal training packages that include sexual misconduct and product liability at reduced bundle rates.
4
Increase your deductibles
Higher equipment deductibles of $500 to $1,500 can reduce premiums by 15% to 23%, which works for trainers with minimal gear. Keep professional liability deductibles low since defense costs for injury claims can reach $40,000 to $60,000 even when proper form and safety protocols were followed.
5
Pay annually instead of monthly
Monthly installment plans add 5% to 9% in processing fees, which, on a $1,500 policy, costs $75 to $135 extra annually. Paying upfront eliminates these charges, earning 6% to 8% discounts from fitness carriers.
6
Review and adjust your coverage annually
Review your policy whenever you hire additional trainers, add specialized services like athletic performance training or senior fitness, or expand into nutritional coaching requiring separate certifications.

These improvements can qualify for premium discounts if you've obtained advanced credentials like CSCS or specialty certifications, implemented client screening protocols or carry AED equipment.

Insurance for Personal Training Business Cost: Bottom Line

Personal training business insurance costs between $22 and $41 per month, but your exact premium depends on factors like your location, business size and claims history. To secure lower rates, compare quotes from multiple insurers, bundle your policies, choose higher deductibles and consider paying annually rather than monthly.

Personal Training Insurance Cost: FAQ

Personal training business owners commonly ask about insurance costs. We answered the most frequent questions below:

What is the cheapest type of personal training business insurance?

General liability insurance is the cheapest at $24 monthly, but it only covers third-party claims. Most personal training businesses also need workers' compensation coverage ($25 monthly) to protect against employee injury lawsuits and meet state requirements.

How much does personal training business insurance cost in expensive states like California and New York?

You'll pay more in these states. General liability in California runs $27 monthly (versus $24 national average), and BOP costs $40 monthly (versus $35 average). New York is similar at $28 and $41, respectively.

How much can I save by bundling my personal training business insurance policies?

Bundling delivers greater savings compared to purchasing individual policies. Most insurance companies provide discounts when you combine general liability, commercial property and commercial auto coverage through a single provider.

What factors make my personal training business insurance more expensive?

Key factors increase premiums: training high-risk activities, operating in expensive areas, past insurance claims, valuable equipment coverage, multiple employees and poor business credit history.

Should I choose a $500 or $2,500 deductible for my personal training business insurance?

Higher deductibles reduce monthly premiums but increase out-of-pocket costs during claims. Consider your available cash flow and claim frequency expectations when deciding.

How much does workers' compensation cost for personal training businesses by state?

Workers' compensation costs for personal training businesses vary by state, spanning from $22 monthly in Maine to $29 monthly in Pennsylvania for coverage.

Is business owner's policy (BOP) worth the extra cost for personal training companies?

Yes, BOP insurance is worth the investment for personal training companies. BOP coverage costs $35 monthly and packages general liability, commercial property and business interruption protection together. This bundled approach saves money compared to purchasing individual policies while offering the convenience that makes BOP valuable for personal training businesses.

How often should I shop around for personal training business insurance quotes?

Shop annually when your policy renews. Compare quotes from multiple insurers to find potential savings, especially after adding staff or expanding your service offerings.

How We Determined Personal Training Business Insurance Costs

We collected personal training business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:

Two employees (three people in total, including the owner)
$150,000 annual payroll
$300,000 annual revenue
Already insured status
$1 million per occurrence and $2 million total per year for all coverage except BOP, which includes the same limits plus $5,000 business property coverage

We used a typical small personal training business profile requiring comprehensive coverage. We chose companies offering broad national coverage and online quote capabilities, prioritizing insurers that serve the personal training industry.

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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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