Your Guide to Personal Trainer Insurance

You could be held liable for bodily injury and malpractice as a personal trainer, even though you have the best intentions. Thankfully, a comprehensive health and fitness insurance package can mitigate these risks and financially cover you if your client decides to sue. Our team at LiabilityCover can connect you with the perfect specialist insurers for your business. 

In this guide, we’ll cover everything you need to know about personal trainer insurance so that you can make accurate business coverage decisions.


Insurance for Personal Trainers in Canada

Canada has experienced a boom in the health and fitness industry over the past few. Targeted health campaigns and the continuous acknowledgment of the importance of an active lifestyle are no doubt behind this surge in interest.

As a fitness trainer, your service benefits everybody. However, the nature of your work means you can easily be held liable for injuries or damage that happens while you’re instructing. Thus, you need a comprehensive insurance package that protects you from these risks.

At LiabilityCover, we work tirelessly to connect you with the country’s best insurers specializing in covering health and fitness businesses like yours. Navigating the personal trainer insurance world is straightforward with our experienced team.


What Is Personal Trainer Insurance Coverage?

Personal trainer insurance is a complete policy bundle that protects you from the specific risks of offering fitness services, like injuries and malpractice.

Your location, specialization, and extra services impact the cost and the coverage types you need. But we’ll help you figure out your requirements based on the answers provided on our secure inquiry form.


What Does Personal Trainer Insurance Cover?

Since every personal trainer and their business is unique, insurance requirements vary. However, a policy package for health and fitness businesses often include:

  • Commercial general liability insurance coverage — It financially covers you for third-party claims of bodily injuries or property damage caused by your company. This includes situations where clients trip over a plyometric box and sprains their wrist or slips on your gym floor.
  • Professional liability insurance coverage — It covers the legal and medical costs associated with claims of third-party bodily injury due to your service or advice. For example, they can sue if a client aggravates an existing hamstring injury while participating in your workout routine.
  • Product liability insurance coverage — If you sell, manufacture, or distribute products as part of your business, product liability is a must-have. It protects you from claims of property damage or bodily injury related to your products, including insufficient safety warnings and incorrect labelling.
  • Cyber liability insurance coverage — Cyber liability insurance protects your digitally stored client data from breaches and cyberattacks. It covers notification, monitoring, restoration, and response fees.
  • Commercial property insurance coverage — It protects your gym, inventory, and equipment from thefts, fires, and other specified events.


Who Needs Personal Trainer Insurance Coverage?

Any business or person providing personal training services in-person or online needs to protect themselves with a customized personal trainer insurance package.

The comprehensive coverage won’t just protect you from financial losses, but it also helps secure clients. Interested parties want to see that you have adequate certifications and insurance to keep them safe.

We’ve helped many fitness instructors obtain the coverage they need, including:

  • Yoga instructors
  • Pilates instructors
  • Zumba instructors
  • Fitness exercise instructions
  • Gym and fitness studio owners


How Much Does Personal Trainer Insurance Coverage Cost?

For a standard commercial general liability and professional liability insurance package with a $2 million limit, expect to spend at least $330 per year.

When you complete our online inquiry form, we’ll ask you several clarifying questions to ensure we present accurate quotes. The cost of your premiums change depending on:

  • Annual and projected revenue
  • Your services
  • Number of employees
  • Your training, experience, and certifications
  • Past insurance claims
  • Your personal training location


Why Choose LiabilityCover?

We take the confusion out of insurance. We understand the difficulties you face in running your personal training or fitness business. Therefore, we take the pressure off the insurance side, so you can continue doing what you do best.

Our process is wonderfully simple, affording you the knowledge and time needed to make worthwhile coverage decisions. We work with Canada’s leading licensed brokers and agents specializing in covering the fitness industry, allowing you to rest easy. You’re in very capable hands.





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Frequently Asked Questions


Do Online Fitness Instructors Need Personal Trainer Insurance?

Interestingly, offering online classes or selling workout programs exposes you to the same risks as in-person instructors.

Since your clients are training virtually, you’re offering an online service. Therefore, you need to protect your business against failure to deliver as advertised or negligence claims with a professional liability insurance policy.

Adding product liability insurance is wise if you’re selling products alongside your digital classes. It protects you from product-related property damage and bodily injury.

On top of that, cyber liability insurance is necessary if you virtually store your clients’ information (financial, health, etc.).


Do Home Insurance Policies Cover Training Classes at Your Home-Based Gym?

Your home insurance policy will not cover your at-home gym classes. Ensure you speak to one of our professional advisors to discover the insurance coverage you need to fully protect you from third-party bodily injury claims.


Does Personal Trainer Insurance Cover Nutritional Advice?

If you purchase professional liability coverage (a.k.a. errors and omissions insurance), you’re covered for claims of negligence, bodily injuries, and accusations of wrongdoing related to the advice you give. But if you don’t buy this policy, you’re exposed to the risks associated with cases alleging poor or damaging nutritional advice.


Do You Still Need Insurance If Your Clients Sign Consent Forms?

Despite your clients signing forms acknowledging the possible risks they face partaking in your classes, you still need insurance to protect you against third-party allegations and lawsuits claiming misconduct or negligence.

Of course, consent forms or waivers are helpful. However, they won’t stop you from being sued by your clients. If they do and you don’t have the right insurance, you’re still responsible for paying the legal defence costs.