Personal training business insurance costs vary across coverage types, helping you plan your budget effectively. MoneyGeek's analysis shows monthly premiums range from $24 for general liability to $70 for professional liability coverage.
How Much Does Personal Training Business Insurance Cost?
Business insurance for personal trainers can cost as little as $24 per month, but your specific business details will determine your actual rate.
Discover cheap personal training business insurance below.
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Updated: August 19, 2025
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Key Takeaways
Personal training business insurance costs range from $24 to $70 monthly, with rates varying based on your chosen coverage types.
Your personal training insurance premiums depend on location, claims history, property types serviced and employee count.
Shop multiple insurers, bundle policies, increase deductibles and pay annually to find affordable personal training business insurance costs.
Average Personal Training Business Insurance Cost Overall
| BOP | $35 |
| General Liability | $24 |
| Professional Liability (E&O) | $70 |
| Workers' Comp | $25 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Personal Training Business Insurance Cost for General Liability Coverage by State
Your Personal Training business insurance cost for general liability coverage depends on location. Maine and North Carolina offer the lowest rates at $21 monthly versus the $24 national average, while New York costs $28 monthly.
| Alabama | $24 |
| Alaska | $23 |
| Arizona | $23 |
| Arkansas | $23 |
| California | $27 |
| Colorado | $24 |
| Connecticut | $26 |
| Delaware | $26 |
| Florida | $26 |
| Georgia | $24 |
| Hawaii | $26 |
| Idaho | $23 |
| Illinois | $26 |
| Indiana | $23 |
| Iowa | $23 |
| Kansas | $23 |
| Kentucky | $22 |
| Louisiana | $28 |
| Maine | $21 |
| Maryland | $23 |
| Massachusetts | $25 |
| Michigan | $23 |
| Minnesota | $22 |
| Mississippi | $24 |
| Missouri | $24 |
| Montana | $24 |
| Nebraska | $23 |
| Nevada | $27 |
| New Hampshire | $24 |
| New Jersey | $27 |
| New Mexico | $24 |
| New York | $28 |
| North Carolina | $21 |
| North Dakota | $21 |
| Ohio | $22 |
| Oklahoma | $23 |
| Oregon | $22 |
| Pennsylvania | $28 |
| Rhode Island | $26 |
| South Carolina | $25 |
| South Dakota | $22 |
| Tennessee | $23 |
| Texas | $24 |
| Utah | $23 |
| Vermont | $23 |
| Virginia | $22 |
| Washington | $27 |
| West Virginia | $25 |
| Wisconsin | $24 |
| Wyoming | $22 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Personal Training Business Insurance Cost for Workers’ Compensation Coverage by State
Personal Training business cost for workers' compensation varies by state. Maine offers the lowest rates at $22 monthly and Pennsylvania the highest at $29 monthly. Our analysis reveals how state regulations and claim histories create these differences.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on workers’ comp policies. Workers' compensation requirements vary by state and are mandated by state regulations. Survey results reflect limited sample data and may not represent all available rates in your area.
Personal Training Business Insurance Cost for Professional Liability Coverage by State
Like other insurance types, your cost for professional liability varies by state. The national average is $70 monthly, with North Dakota offering the lowest rates at $59 for E&O insurance, while Pennsylvania has the highest 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Personal Training Business Insurance Cost for BOP Coverage by State
Business owner's policy rates vary widely for personal training businesses across states. Monthly premiums in New York and Louisiana cost $41, while North Carolina trainers pay just $30 for the same coverage.
| 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 |
How did we determine these rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus solely on BOP coverage. Survey results reflect limited sample data and may not represent all available rates in your area.
Factors Affecting Personal Training Business Insurance Cost
Insurance companies look at several factors to determine your Personal Training business insurance costs. Understanding these variables helps you plan your budget better. Here's a detailed breakdown of what affects your rates.
Geographic location
Your business location affects workers' compensation rates due to local regulations and claim frequencies. Operating in areas with extreme weather or high crime rates increases your risk profile, and state differences create substantial premium variations.
Safety record and claims history
Previous claims impact future premiums, sometimes for three to five years. A single slip-and-fall lawsuit can substantially increase your general liability rates at renewal.
Employee count and payroll
Your total payroll and number of trainers directly affect insurance costs. Adding employees increases your workers' compensation premiums since insurers calculate rates based on wages paid and job classifications.
Business size and revenue
Higher annual revenue means higher premiums since insurers view larger operations as having greater exposure to claims. A solo trainer earning $50,000 annually pays less than a training studio with $500,000 in revenue.
Coverage limits
Higher coverage limits provide better protection but cost more monthly. Choosing between different coverage amounts directly affects your premium, with higher limits increasing costs proportionally.
Credit score and financial stability
In most states, insurers can consider your business credit score when setting rates. A strong credit score can reduce premiums, while poor credit often increases costs substantially.
How to Get Cheap Personal Training Business Insurance
Personal trainers can lower their business insurance costs through smart comparison shopping and risk management strategies. These proven methods will help reduce your premiums now and create long-term savings opportunities.
- 1
Choose the right coverage types for your business
Understanding what types of business insurance your personal training business needs prevents overpaying for unnecessary coverage. Professional liability protects against client injury claims, while general liability covers broader accidents and property damage. Consider equipment coverage if you own expensive fitness equipment.
- 2
Shop multiple insurance companies
Insurance rates can vary significantly between providers for identical coverage. Request quotes from at least three insurance companies to find the best rates. Consider working with an independent agent who can handle comparison shopping for you.
- 3
Bundle your coverage types
Insurance providers typically offer substantial discounts for bundled policies. Combining professional liability, general liability and equipment coverage with one carrier usually costs less than purchasing separate policies from different insurers.
- 4
Increase your deductibles
Choosing higher deductibles reduces your monthly premium costs. This means you'll pay more out of pocket for claims, but your regular insurance payments will be lower.
- 5
Pay annually instead of monthly
Insurance companies often add processing fees for monthly payments. Paying your premium annually eliminates these extra charges and may qualify you for additional discounts.
- 6
Review and adjust your coverage annually
Your insurance needs change as your business grows. Review your policy yearly to ensure coverage matches your current operations. Remove unnecessary coverage and adjust limits based on your business size and activities.
Insurance for Personal Training Business Cost: Bottom Line
Personal training business insurance costs range from $24 to $70 monthly, with your location, claims history and business size driving your actual premium. Getting quotes from multiple insurers, bundling your policies, choosing higher deductibles and paying annually instead of monthly helps you find more affordable rates.
Personal Training Business Insurance Cost: FAQ
Many business owners have questions about personal training business insurance costs, so we've gathered expert answers to the most common questions below.
What is the cheapest type of personal training business insurance?
General liability insurance is the most budget-friendly option at $24 per month. Most personal training businesses need general liability insurance to protect against customer accidents and property damage.
How much can I save by bundling my personal training business insurance policies?
Bundling business insurance policies through a business owner's policy offers savings, with average monthly premiums starting at $35 for personal training businesses.
What factors make my personal training business insurance more expensive?
Client injuries and previous claims could make your personal training business insurance more expensive.
Should I choose a $500 or $2,500 deductible for my personal training business insurance?
Higher deductibles lower your monthly premiums but require larger out-of-pocket payments when filing claims. Choose based on your financial stability and claim frequency expectations.
How much does workers' compensation cost for personal training businesses by state?
Workers' compensation rates for personal training businesses vary by state, from $22 monthly in North Carolina to $29 monthly in Pennsylvania, helping fitness professionals plan their insurance expenses.
Is business owner's policy (BOP) worth the extra cost for personal training companies?
A business owner's policy costs around $35 monthly and combines multiple coverages in one package. This bundled approach provides more value than purchasing separate policies, particularly for growing personal training businesses.
How often should I shop around for personal training business insurance quotes?
Review your insurance coverage annually during renewal time and compare at least three quotes to find potential savings. This is particularly important when your business grows or changes.
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 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
This profile represents small personal training businesses requiring comprehensive insurance coverage in most states. We chose companies offering broad national coverage and online quote capabilities, focusing on insurers that actively 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.