If you’re a newly certified personal trainer looking for a job at a gym, you might be surprised to find that many applications ask for proof of liability insurance—even for employees, not just independent trainers.
Most insurance options seem designed for business owners, leaving many new trainers wondering:
Let’s break it down so you can get covered quickly, affordably, and without stress.
Yes! Even if you work for a gym, studio, or fitness center, you may still be personally liable if a client gets injured during training. Many gyms require trainers to have their own fitness instructor liability insurance to avoid covering claims under their business policy. This isn't the best option for trainers though, and we'd argue it isn't the best for the gyms either. Learn more about how gyms can add their trainers as Additional Insureds to their policy here.
What type of insurance do you need as a personal trainer?
The cost of personal trainer liability insurance depends on your coverage level and provider. Here’s what you can expect:
✅ Personal trainer insurance cost: $15–$50 per month
✅ Cheapest fitness instructor insurance: Starts at $1.50/month
✅ Best group fitness instructor insurance: Rates vary based on class size & location
💡 TIP: Many trainers compare GEICO personal trainer insurance, NEXT fitness instructor insurance, Philadelphia Yoga Insurance, and K&K fitness insurance before choosing a policy.
Yes! Some providers, like Gym Insurance+, offer personal trainer insurance with no certification required. This is great if you’re:
💡 Wondering “Can I teach fitness without a certification?” The answer is yes, but you still need insurance to protect yourself from liability claims.
When looking for the best insurance for fitness instructors, you’ll find many options. Even though it's time consuming, we recommend getting quotes for a few providers so that you can compare prices.
🔹 Gym Insurance+
🔹 NEXT Fitness Instructor Insurance
🔹 K&K Fitness Instructors and Personal Trainers Insurance
🔹 GEICO Personal Trainer Insurance
🔹 PHLY Fitness and Wellness Insurance
Whether you’re looking for cheap personal trainer insurance, group fitness instructor insurance, or coverage for NASM, ISSA, or ACE trainers, it’s important to compare your options.
💡 Need fast coverage? Get an instant online quote and start training today!
🔹 What insurance do you need to work at a gym? Most gyms require personal liability and professional liability insurance.
🔹 What insurance covers fitness instructors? Compare Gym Insurance+, NEXT, K&K, and PHLY Fitness Insurance.
🔹 Where can you find fitness instructor insurance reviews? Many trainers share feedback on Reddit, so check out “personal trainer insurance Reddit” discussions for real experiences.
Don’t let insurance hold you back from launching your career. Find the best coverage today and start training with confidence!