The Short Answer
Personal trainers face professional liability claims whenever a client is injured during a session, alleges that your programming caused harm, or disputes the results of your services. Professional liability (errors & omissions) insurance is essential for any working trainer.
In addition to professional liability, personal trainers need general liability coverage — especially if you train clients at their homes, in parks, or at third-party facilities that may not cover your activities under their own policies.
Many gyms and facilities that allow independent trainers to work on-site require trainers to carry their own $1 million/$2 million general liability policy with the facility named as additional insured. Players Health can issue certificates instantly.
Personal trainer insurance from Players Health typically costs $150–$400 per year and covers you across all training locations. Policies can be purchased online in minutes with no broker fees.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Professional Liability / E&O | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | – |
| Accident Medical | – |
| Workers Compensation | – |
| Property Coverage | – |
| Umbrella / Excess | ✓ |