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Personal Trainer Insurance

As a Personal Trainer, you work hard to help others achieve their fitness goals.

Isn’t it time you had an insurance partner that works as hard as you do?

Personal Trainer Insurance from Tomins is custom-tailored to the needs of your specific operation. We take the time to understand your unique operations so we can offer you all the coverages you need and none that you don’t.

Our coverage is powered by Higginbotham with a modern 24/7 online access portal that helps guarantee you’ll have important policy documents and information at your fingertips, the moment you need them.

Tomins — mindful insurance today, successful personal trainer tomorrow. 

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Does a Personal Trainer Really Need Insurance?

As you know better than most, working out can be a high-risk activity.

Whether you are working one-on-one with clients or teaching group classes, injuries happen. At the end of the day, the likelihood of someone new to working out getting injured is too prevalent to ignore. The last thing you want is a coverage gap costing you the progress you’ve made in your personal training business.

The Personal Trainer Insurance experts at Tomins are standing by to answer your questions.

Get your free custom-tailored Personal Trainer Insurance quote today.

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Woman personal trainer helping a client in a tank top stretch her shoulder before a workout

Recommended Personal Trainer Insurance Coverages

All businesses should carry General Liability Insurance and personal trainers are no exception.

If you’re only going to carry one coverage in your policy, GL should be a top priority. Designed to protect a business owner against the costs brought on by injuries or damages sustained by a third party as a result of your operation, General Liability is a critical coverage for a personal trainer to carry.

Along the same lines, Commercial Property Coverage typically comes in a close second. If you own or rent a gym or workout space, Commercial Property can help cover the costs of repairing or rebuilding it in the aftermath of a loss. Whether this loss takes the form of a fire, storm damage or theft, Commercial Property can give a business owner the peace of mind of knowing they are covered.

Professional Liability, also known as Errors and Omissions (or E&O) coverage, is also important for personal trainers to carry due to the consultative work involved with the profession.

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Additional Recommended Coverages for Personal Trainers

While the list of coverages we recommend for each business we serve varies based on individual need and risk exposure, the following list is meant to serve as a foundation of understanding of some of the more common coverages carried by personal trainers.

  • Limited Care, Custody, or Control Property Insurance
  • Important Record and Document Coverage
  • Employment Practices Liability (EPLI)
  • Employee Benefits Liability Coverage
  • Workers Compensation Insurance
  • Sewer Drain Back Up Coverage
  • Professional Liability (E&O)
  • Umbrella Coverage

Depending on your specific situation, some of the coverages listed might not make sense for your Personal Training business, while others not listed here may.

Need more clarity into the coverages that makes the most sense for your business?

Our Tomins Personal Trainer Insurance experts are standing by to help now.

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How Much is This Going to Cost Me?

At Tomins, we understand that as the owner of a business, you need to carefully consider each expense and evaluate the ROI of every purchase decision.

That’s why we take the time to understand the needs of your business in designing your custom-tailored policy—getting you all the coverages that make sense and none that don’t. 

Because each business we serve is different, there is no one-size-fits-all policy that would work for everyone. With that in mind, pricing varies based on coverages needed, and each business typically ends up with a different policy price. Even though our refusal to take the easy way out with a cookie-cutter approach makes it impossible to quote a price before understanding your business, we are committed to getting you the right coverage at the right price.

Every time.

Get your free custom-tailored Personal Trainer Insurance quote today.

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But Before you Apply…

To help us deliver the best quote possible, we ask that you gather the following information before applying:

  • Gross Annual Sales
  • Business Address and Tax ID
  • Target Effective Date (Date of Policy Start)
  • Number of Employees you Currently Employ
  • Information about other insurance you currently hold
  • Volume, Nature, & Storage Method of Client Data
  • Proof of professional licensing & other relevant
  • Brief Description of Your Business Operations
  • History of Past Claims (at least 3 years)

Don’t just settle for the NEXT best thing.

Tomins—mindful insurance today, successful personal trainer tomorrow.

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