Tailored Professional Liability insurance for personal trainers and specialists

The importance of
Professional Liability insurance for
personal trainers and specialists

As a personal trainer, you work hard to grow your business and help your clients get the physical results they want to achieve.

Unfortunately, no matter how good your relationships with your clients are, or how vigilant you are about safety and proper technique, professional liability lawsuits involving bodily injury or allegations of sexual harassment can still happen. Just one claim of your negligence, justified or not, can take significant time away from your business, undermine your career and cost thousands of dollars if you end up in court.

To help protect against client claims, Lockton Affinity Fitness offers comprehensive, affordable Professional Liability insurance for personal trainers and specialists that can be purchased online in a few minutes.

Pricing for personal trainer Professional Liability insurance

Professional Liability insurance rates for personal trainers with limits of $500,000 per claim / $500,000 aggregate start as low as:

$18

FOR STUDENTS

$121

FOR EMPLOYED
PROFESSIONALS

$241

FOR SELF-EMPLOYED
PROFESSIONALS

Additional limit options include:

$1,000,000 per claim / $1,000,000 aggregate
$1,000,000 per claim / $3,000,000 aggregate
$2,000,000 per claim / $4,000,000 aggregate

*Before applicable fees.

Coverage details for personal trainer Professional Liability insurance

• Damages and claim expenses
• Attorney fees and court costs if you are named in a claim, including as a defendant in a civil suit stemming from covered professional services
• Loss of earnings up to $500 per day due to your attendance at trial, hearings, mediation meetings or arbitration proceedings
• Professional license complaint investigation fees, costs and expenses associated with investigations or proceedings brought by a state licensing board, or other regulatory body, in relation to your professional services license
• Limited-premises General Liability
• Protection for a wide range of personal training professions, including adaptive fitness specialists, athletic trainers, certified fitness trainers, certified personal trainers, endurance fitness trainers, golf fitness trainers, holistic fitness trainers, older adult fitness trainers, water fitness trainers, youth fitness trainers and more

Why personal trainers need personal coverage

While you may be covered under an employer’s Professional Liability policy, that policy likely excludes coverage if you’re personally named in a lawsuit. A single claim can cost thousands of dollars and interrupt your ability to continue working — even if you’re acquitted of any wrongdoing.

Whether you’re self-employed or work for a health club, gym or private club, your own Professional Liability insurance policy from Lockton Affinity Fitness provides protection you can count on.