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 product liability, rental damage, stolen equipment coverage, and even an identity protection plan.

When comparing all the different insurance plans on the market, you need to be sure that the services you offer are covered under the limits of your policy. These limits should be robust enough to cover the costs of an unforeseen event but not so high that you are paying for something you will never use. Coverage should be accessible and reliable, such that when you have to file a claim, you have confidence knowing your insurance company has your back. A good policy combines great coverage provisions, affordability, and excellent customer service. Find out more about our highly-rated programs designed just for personal trainers.

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, damage, 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 plans come with robust coverage limits and additional protections that help safeguard our members from a wide array of possible loss events. Personal trainers retain a large amount of liability because their services are generally hands-on and can be physically tough. Examples of coverage afforded under our plans include:

• General liability claims - a client is switching positions in a tough P-90X workout routine when they slip on some chalk left on the floor from the last workout. Their broken hip requires surgery which they hold both the gym you are working at and you personally liable for. 
• Professional liability claims - a client is performing the set of front squats you told them to, with the weight you loaded, and then hurts their back going a little too heavy. They have demanded that you cover their medical bills for their back surgery and ensuing disability. For professional liability claims like this, our policy includes a $1 million per occurrence limit with a $3 million annual aggregate. 
• Product liability claims - you quickly wipe down a piece of machinery before a client does their reps and they have an adverse allergic reaction to the cleaner. They are insistent that you are responsible for paying for the doctor’s visits the reaction necessitated. Claims like this have a $1 million per occurrence limit.
• Stolen equipment claims - you are packing up your slam balls and kettlebells after a session when a robber demands all your gear. You are afforded $1,000 worth of coverage with just a $250 deductible under our program.
• Damages to rental property claims - you are renting a space in a CrossFit gym and the client you are working with slams their barbell after clean and jerks. When the weights slam into the wall, they leave a gaping hole in the drywall that your landlord says you are responsible for fixing. With our personal trainer policy, members receive up to $100,000 for these types of claims.  
• Identity fraud - today’s world has all too many examples of identity theft. As a member, you will enjoy up to $25,000 in identity fraud recovery services should an incident occur.

Our professional policies are just $179 for a full year of coverage. We also providestudents in personal training the option to purchase insurance to safeguard their future careers for only $25 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 350 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 and general liability claims - $1 million per occurrence and a $3 million individual annual aggregate
• Product coverage - $1 million limit
• Rental damage - $100,000 limit
• Stolen Equipment - $1,000 with a $250 deductible
• Identity protection plan - Up to $25,000 worth of identity fraud recovery services

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 $169 a year, you can have complete confidence knowing you are covered should an unforeseen event give rise to a claim.

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, rental damage coverage, stolen equipment 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 $25 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. Wonder if your chosen modality is covered under our policy? Talk to an agent now.

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, theft or damage of equipment, or other related incidents that may occur. 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.