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 a 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 a 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 fitness professions and activities:

• Aerobics Instructors
• Coaches
• CrossFit Instructors
• Dance Instructors
• Golf Instructors
• Hockey Coach
• Martial Arts Instructors
• Personal Trainers
• Pilates Instructors
• Self-Defense Instructor
• Spin Instructors
• Surf Instructor
• Swim Instructors
• Tai Chi Instructors
• Yoga Instructors
• Zumba Instructors

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

The cost of your Fitness Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your personal training business.

With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible Fitness Insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.

To get an accurate idea of how much Fitness Insurance would cost you and your business, get a quote from Thimble.

Get a Quote

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