Personal Training Insurance
As a certified personal trainer, protecting yourself from liability is crucial. NACAMS offers affordable, specialized liability insurance to cover you in case a client gets injured.
Live online & pre-recorded training sessions covered
Lifetime protection even after your policy expires
Safe and secure online checkout
One policy with coverage for 500+ services
Professional Policy Just $179/Year
How Much Does Personal Training Insurance Cost?
For only $179 a year, NACAMS provides top-rated coverage that follows you from the gym or studio to your client's house, ready to keep you covered. Reduce your financial risk of being held liable for third-party claims arising from bodily injury, medical bills, and related legal defense costs.
Our Most Popular Policy
One Year PRO
$179
Lock in Our Cheapest Rate
Two Year PRO
$329
Same Coverage As Pro Policy
One Year Student
$60
*Student Policy Notice: to be eligible for the student policy, you must be currently enrolled in your first certification program. Pro tip: students can buy the $60 student insurance policy from NACAMS on the last day of their program, and that policy is good for the next 364 days, even if you are providing services full-time!
What Does Personal Trainer Liability Insurance Protect You From?
NACAMS offers protection for everything from cardio and aerobics, to barre and aquatics, and everything in between. Over 500 modalities in the fitness & wellness space are covered with the professional policy.
Because personal training demands a good deal of movement & instruction, there can be any number of accidents that might occur during a training session or involving training equipment. Whether it is a client dropping a heavy weight on their foot, over extending their abilities, or pulling a muscle, it is vital that you are covered when an accident occurs with professional liability insurance for personal trainers.
Coverage Examples:
According to Smiley & Smiley, LLP, one of their clients sued a personal trainer for negligently recommending an unsafe exercise. The parties eventually settled for $300,000.
In many gym environments, there's a risk of clients slipping, tripping, or falling, potentially leading to injuries. Our insurance includes general liability coverage in case a client is injured due to such incidents while they are in your care. For example, if a client falls off a stationary bike, you may face potential lawsuits with hefty fees & medical expenses.
Liability insurance can help protect instructors if a client experiences negative consequences from a product used in a gym e.g. cleaning materials. Within professional & general liability insurance, we can help cover medical costs if someone were to sue due to an allergic reaction.
In today's digital age, personal information security is paramount. NACAMS physical therapy insurance provides coverage for identity protection, safeguarding you from the consequences of identity theft. Should your personal information be compromised, leading to fraudulent activities or financial loss, this coverage steps in to offer financial assistance and support to help restore your identity and mitigate the resulting damages.
Personal trainers and fitness professionals might instruct through various channels, including online platforms. If a teacher's statements about their training or services are perceived as libelous or slanderous by a client, fellow student, or instructor, liability insurance can offer protection against potential legal claims.
What Does A NACAMS Policy Include?
While other insurance providers may charge extra for additional coverage, NACAMS includes everything in a single policy. In other words, your policy runs the gamut of protective liability coverage. Liability insurance is an investment every professional should make to keep their financial assets protected.
Disciplines And Modalities We Cover
We cover the most popular services offered in a typical training session and over 500+ more wellness modalities instantly included.
Why Should You Choose
Insurance For Personal Training From NACAMS?
In 2015, Planet Fitness agreed to pay Susan Butler $750,000 to settle a personal injury lawsuit in which she broke her hip and wrist while working with a personal trainer at Planet Fitness. According to Smiley & Smiley, LLP, one of their clients sued a personal trainer for negligently recommending an unsafe exercise. The parties eventually settled for $300,000. A comprehensive and affordable policy from NACAMS can keep you protected so you can focus on your clients and your career worry free. For only $179 a year NACAMS provide top rated coverage that follows you from the gym or studio to your client's house, ready to keep you covered!
Included Member Benefits
But wait, there's more! With NACAMS, you get access to exclusive member benefits that will make your journey even more rewarding.
Portable Coverage
Do you travel to client's homes or events to offer your personal training services? No matter where you go in the U.S. you are covered.
Annual Policy
Purchase a policy at $179 once per year to protect your financial and personal assets.
What Is Personal Training Insurance?
Personal trainer insurance can protect your financial assets and reputation in the event of a lawsuit due to a bodily injury, identity theft, and countless other related liabilities.
By protecting yourself with a personal training insurance policy from NACAMS, you can have peace of mind knowing that your expert personal training is covered by a nationally recognized organization and that you are getting the best personal training insurance at an incredible price.
Why is Personal Trainer Insurance Necessary?
You offer advice and instruction to help your clients meet their fitness goals and work with a wide variety of fitness equipment. Intense training and use of equipment can help push your clients physically but it can also lead to an accident or overexertion. Accidents are unfortunately common in the gym, with a top government study finding that most are actually caused by overexertion.
By covering your services with personal trainer insurance, you gain the peace of mind that you are covered from a personal trainer lawsuit, as well as identity protection. Operating without insurance is definitely risky business.
Get Insured in Under 5 Minutes!
What Is The Best Personal Training Liability Insurance?
NACAMS is rated excellent by independent review site Trustpilot and backed by Institute of Personal Trainers. This policy is the best option for therapists looking for comprehensive personal training insurance offering professional and general liability insurance + coverage for things like identity theft, allergic reactions, and slander, all for one low annual cost. Buy a policy.
Customer Reviews
NACAMS is A rated insurance by A.M. best and was created specifically for fitness and bodywork professionals. Purchase online today with a safe a secure application. We are rated rated 4.7/5 (Excellent) on Trustpilot.
Frequently Asked Questions
To best protect your financial future and your career, yes you should have your own individual coverage. While you may be afforded some level of protection as an employee of a gym, liability still extends to you as you perform personal training services with clients. This leaves it open for the possibility of a claim being filed against the gym you work for and yourself. That’s why the best safeguard for professionals in the industry - and also most cost-effective - is a personal trainer insurance policy. For just $179 a year, you can have complete confidence knowing you are covered should an unforeseen event give rise to a claim.
As a personal trainer, you will be providing your clients with expert recommendations to help them reach their fitness goals. This requires a lot of hands-on instructions, helping clients through complex movements and tough exercise routines. Within the industry, many accidents occur each year. A client slipping on sweat as you run them through cross-training stations is one of a million all-too-common unforeseen events that can seriously impact a trainer’s personal finances and put a career in jeopardy.
We’ve spent decades in the industry and know the risks. We’ve produced a perfect plan for personal trainers that helps to mitigate the inherent liabilities of the industry. Generous limits for general and professional liability are complemented with additional protections for the real-world like an identity protection plan.
Personal training requires clients to conduct exercise. Conducting almost any exercise requires some form of movement. Movement creates opportunities for accidents and injuries to occur. When you are engaged with a client, you are responsible for their health and well-being. Liability insurance covers those liabilities which are inherent to the business such as injury or other mishaps.
Broadly, general and professional liability helps cover the majority of claims that can arise. These provisions have generous coverage limits in order to safeguard policyholders to the greatest extent possible, while also maintaining affordability and quality of coverage. Without personal trainer insurance, you could be left paying the thousands that a claim can incur completely out-of-pocket.
Our professional policies are just $179 for a full year of coverage. We also provide students in personal training the option to purchase insurance to safeguard their future careers for only $60 per year. This policy includes all of the same provisions of our professional policies at an affordable rate for students.
NACAMS provides coverage for many different types of popular fitness programs including individually-focused classes, as well as, group fitness. Familiar regimens like P-90X, Body Beast, Curves, and many more all covered under our program. Additionally, the program extends into well over 500 additional health and wellness modalities, so that our members are free to employ the best blend of techniques to achieve the desired fitness goals of their clientele, rather than having to worry if a certain modality falls under their insurance coverage or not.
- Professional/General Liability: $1 Million per occurrence / $3 Million annual aggregate
- Identity Protection Coverage: $25,000
- Personal Injury and Advertising Injury: $1 Million
In this day and age, convenience is a driving force for many consumers. One of the benefits of getting your personal trainer insurance from NACAMS is that you can have the entire process handled online and in just minutes. We have spent decades fine-tuning the process for providing professional liability insurance for personal trainers and are well acquainted with the risks that are involved. We make it simple and convenient to get coverage quickly.
With an instant proof of insurance coverage, you are insured immediately once you become a member of NACAMS. This convenient and quality personal trainer insurance means that you get outstanding liability coverage in a matter of minutes and can protect your financial future with just a few keystrokes. Get personal trainer liability insurance today and keep yourself, your finances, and your future secure from any unforeseen and unfortunate incidents that may occur in your future training.
Not only do our policies come with comprehensive coverage for professional and general liability claims, but we also include a number of additional protections designed with the real-world in mind. Our plans come with product coverage, and even an identity protection plan. In addition to these added bonuses, we include a bonus-bonus in the form of a great membership benefits package. Included is members-only access to deals and promotions from some of the best names in fitness. We want our members to get an incredible value for the investment they have made in us with free business resources and a free, professional website to get the business on the web and in front of the right audience.
Definitely! We want to foster the next generation of leaders in the personal training profession so offer the full and complete coverage that comes with our professional insurance policies for students for just $60 per year while they complete their training.
No, athletic trainers have specialized training in sports medicine to help prevent and treat athletic injuries and is not the same as personal training. We do not currently provide insurance coverage for athletic trainers but we recommend Athletics Trainer Insurance Plus for people looking for that type of liability insurance.
One of the great benefits of our personal trainer insurance policy is instant coverage and immediate proof of insurance once you become a member.
Now, more than ever, your potential clients are searching the web for where to eat, where to stay, and what to do. When searching for personal trainers in their area, a website helps to direct these people right to your unique brand of services. You can showcase your training, help educate on different topics in the industry, and can include tools like a “contact us” form that helps gather new clients’ information 24/7.
Finding the appropriate personal trainer insurance is an important process and can be a daunting decision. You will want to be sure that you are getting the right coverage for your discipline, that it will protect you from liability. It also needs to be affordable and accessible.
NACAMS has created the perfect personal trainer insurance policy to provide the protection and coverage you need and to meet your budget. At just $179 per year, the professional liability insurance for personal trainers offered by NACAMS is specifically designed to provide you with the necessary coverage and protection while being affordable and easily accessible. Securing insurance is the ultimate safeguard for personal trainers looking to make a career in fitness.
Because it’s performed in a swimming pool, Aqua Fit is a great low-intensity aerobic exercise. However, even as a low-impact exercise, you’ll be dealing with clients of all ages and levels of physical fitness. An older client could easily assert that your instructions made them hurt themselves in some fashion. Even if the client had a preexisting condition, you can still be held liable for some portion of the loss event. Our policies provide coverage to an incredible array of different fitness programs, including Aqua Fit, so our members can focus on providing a great workout rather than the what-ifs that come from a potential claim.