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Fitness + Personal Trainer Insurance

Business insurance that works when you do

Get an hourly, daily, or monthly insurance policy in 60 seconds. Get a Quote See covered activities
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On-demand liability insurance
by the hour, day, or month.

Starting at just $5

On-demand Coverage

Coverage only for the hours and days you work—never overpay.

Instant Certificates

Get a Certificate of Insurance in your inbox—and your client’s—in seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Change It Anytime

Easily add crew and Additional Insureds, and adjust your policy in real time.
What's Covered

Thimble offers easy, affordable, and flexible protection for personal trainers and fitness professionals.

Policies start at just $5/hr
"Thanks to no useless questions on the application, instant issue of insurance proof, and a great pricing model, I've already recommended Thimble to two fellow entrepreneurs. Well done." Corey W., Sea Bright Volleyball

Fitness + Personal Trainer Insurance — Simplified.

Why do I need a fitness insurance policy?

Whether you are a personal trainer or fitness instructor, you know that there are risks inherent to your job. You need an insurance policy that’s built to protect—and flexible enough to accommodate your schedule.

As a personal trainer, General Liability insurance helps you stay focused on helping your clients. While you’re pushing your clients to achieve their fitness goals, you shouldn’t be worried about protecting your business.


What is covered under the fitness insurance policy?

Both General Liability and Professional Liability coverage are included in the fitness and personal trainers policy. General Liability Insurance for fitness and personal trainers is designed to respond to incidents involving bodily injury and property damage. General Liability Insurance also covers legal fees and Medical Coverage associated with the claim. Professional Liability Insurance protects fitness instructors against claims of errors and omissions and negligence — in other words, doing your job improperly.

Bodily Injury
You are finishing up one of your training sessions with a client. The client walks over to pick up their bottle of water and accidentally trips over a set of kettlebells, injuring their ankle.

3rd Party Property Damage
You are leading a private yoga session in a client’s home, and you accidentally knock an expensive painting off the wall while demonstrating Warrior III pose.

Defense Costs
You are found liable for an injury that a client incurs while taking a dance class at your studio, which includes the costs of their medical treatment.

Errors and Omissions
During a training session with a client, you’re guiding them on how to perform weighted push-ups. During the exercise, the client injures their back, blaming your improper coaching for the injury.

3rd Party Property Damage
You are leading a private yoga session in a client’s home, and you accidentally knock an expensive painting off the wall while demonstrating Warrior III pose.


Who is covered under the fitness insurance policy?

Small business personal trainer insurance from Thimble is customized to meet the needs of fitness professionals and independent contractors like you. We cover the following professions and activities:

  • Aerobics Instructors
  • Dance Instructors
  • Fitness Instructors
  • Golf Instructors
  • Martial Arts Instructors
  • Personal Trainers
  • Spin Instructors
  • Swim Instructors
  • Tai Chi Instructors
  • Yoga Instructors

How much does fitness insurance cost for personal trainers and other fitness professionals?

Business Liability insurance policies for personal trainers start at $5/hour with $1 million in coverage and $0 deductible.

Add as many Additional Insureds as you’d like for free.

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Our affordable liability insurance policies for personal trainers and fitness professionals are possible because they are based on the length of your coverage, whether for an hour, a day, a month, or longer. This flexibility allows you to purchase coverage exactly when and for how long you need it, making it one of the most affordable options on the market for on-demand personal trainer insurance.


How quickly will I get a Certificate of Insurance?

Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.

You can also add and modify your Additional Insureds as many times as you’d like directly from the Thimble App.


Does personal training insurance coverage include workers’ compensation?

Our insurance coverage for personal trainers does not include worker’s comp. To cover injury to your employees, you should take out a separate worker’s compensation policy.


Do I need both General and Professional Liability insurance?

For personal trainers working one-on-one with clients, we recommend both General Liability and Professional Liability.

While General Liability insurance covers most incidents involving accidental bodily injury and property damage, Professional Liability insurance can respond to incidents that result from alleged errors & omissions in the performance of your job.


Where am I covered to train with fitness liability insurance?

Your liability insurance covers you wherever you train, whether in the gym, at a client’s home, or outside in a park. Just make sure to select the time period during which you will be working, and you can take your coverage wherever your training session takes you.

Have questions? Visit our FAQs

Fitness insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • Aerobics Instructors
  • Dance Instructors
  • Fitness Instructors
  • Golf Instructors
  • Martial Arts Instructors
  • Personal Trainers
  • Spin Instructors
  • Swim Instructors
  • Tai Chi Instructors
  • Yoga Instructors

Excluded Activities

  • Occupational Therapists
  • Physical Therapists

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • See full policy for details