The Short Answer
A personal trainer working in Washington faces personal liability exposure for their professional decisions and conduct. While your organization may carry general liability, that policy typically does not fully protect individual personal trainers from personal claims.
Washington has its own rules governing liability for sports professionals. Individual personal trainer liability insurance provides a personal layer of protection — covering your legal defense and any settlements arising from claims connected to your work.
Many Washington facilities and organizations now require personal trainers to carry their own $1M general liability policy in addition to the organization's coverage. Players Health offers individual policies for personal trainers that satisfy these requirements and issue certificates instantly.
The cost of individual personal trainer insurance in Washington is typically $150–$500 per year. Players Health's online platform makes it easy to get a quote and bind coverage without calling a broker.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Accident Medical | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | ✓ |
| Umbrella / Excess | ✓ |
| Workers Compensation | – |
| Property Coverage | – |
| Event Cancellation | – |