Personal Trainer Insurance
Don’t Risk Your Career, Get Insured Instantly!
In a perfect world, there would be no need for personal training insurance, but the fact is - injuries and accidents happen.
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 $169 a year we provide top rated coverage that follows you from the gym or studio to your client's house, ready to keep you covered!
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Personal Trainer Liability Insurance
As a certified personal trainer, it is vital to protect your fitness career against potential liability issues in case a client gets injured during the course of training. NACAMS offers personal trainer liability insurance that is specifically designed for fitness professionals like you. For less than the cost of a yearly gym membership, you can reduce the risk of being held liable for third-party claims arising from bodily injury, medical bills, property damage and related legal defense costs.
Professional Policy for Personal Trainers
One Policy Covers All These Services
What Our Customers Are Saying
I chose NACAMS insurance after an extensive research and I’m very happy about my choice. They provide great assistance and their follow up is wonderful too. The insurance is well planned and better than the regular once’s available online. They are dependable!!!
Personal Trainer Insurance FAQs
What kind of insurance coverage does a personal trainer need?
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.
What is the best personal trainer insurance on the market?
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.
Why do trainers need personal trainer liability insurance?
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.
What are some examples of claims faced by personal trainers?
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.
How much does professional liability insurance for personal trainers cost?
Our professional policies are just $169 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 $25 per year. This policy includes all of the same provisions of our professional policies at an affordable rate for students.
Which services are covered under NACAMS personal trainer liability insurance?
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.
What are the coverage limits for personal trainer insurance?
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
If I’m already an employee in a gym, do I need to get personal trainer insurance?
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.
What kind of additional member benefits are included with personal trainer liability insurance?
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.
Can you get personal trainer insurance as a student?
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.
Is professional liability insurance for athletic trainers the same as personal trainer insurance?
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.
How long does it take to have proof of 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.
How can I use a website to expand my personal trainer business?
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.
AquaFit is low-impact, why would I need personal trainer insurance?
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.