When it comes to hands-on personal training, there’s always the risk that a client could get hurt or property could get damaged. That’s why personal trainer liability insurance is so important: it helps protect you legally and financially when injuries and accidents happen.
Even with the best training plans and safety precautions, accidents can happen. A client could twist an ankle mid-session. A dumbbell could crack a mirrored wall in a rented studio space. Someone might even claim your training advice caused an injury. These situations are more common than you might think — and they can get expensive fast.
General liability insurance for personal trainers helps protect you from these risks, which is why many gyms and studios require you to carry it. Personal trainer insurance provides essential protection from the following risks:
Accidents That Result in Bodily Injury
If someone trips in your training space and gets hurt, you could be liable for paying medical bills and other costs — not to mention legal fees if they sue.
Client Injuries due to Your Training
A client could claim they were injured (or exacerbated an existing injury) because of improper training or negligence on your part.
Property Damage During a Session
If you damage someone’s property during a session, including a client’s or studio owner’s, you might be responsible for paying to repair or replace it.
Lawsuits, Legal Fees & Damages
If you’re sued for third-party claims of bodily injury, property damage, or personal injury, you’ll need a lawyer to defend you, and you may have to pay a hefty settlement.
Berxi’s customized general liability insurance for personal trainers is designed to protect you legally and financially from the risks you face every day, including client injuries and third-party property damage.
And, if you choose to add optional business personal property coverage, your Berxi policy can also help cover the costs of replacing your training equipment if it’s damaged.
General liability insurance covers third-party claims of bodily injury or property damage that occur in connection with your training and business. It also covers claims of personal and advertising injury, such as libel and slander.
Plus, unlike other insurance companies, Berxi’s general liability policies include coverage for client injuries due to your training — at no extra charge. So, if a client says your training caused an injury or worsened an existing injury, Berxi’s got you covered.
Examples include:
You can optionally add business personal property (BPP) coverage to your Berxi general liability policy. This coverage add-on can help pay for repairs or replacements if your business assets are damaged, including your equipment, computers, inventory, furniture, and more.
Examples include:
Berxi’s policies are designed with personal trainers and small studios in mind. Key benefits include:
If a client or visitor is injured at your place of business or training space — for instance, by slipping and falling — your general liability policy can help cover their medical bills.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Unlike other insurance providers, Berxi’s general liability policies include professional incident coverage for bodily injury due to your training at no extra charge. That means if a client claims you caused them bodily injury due to an error in your work, such as negligence in a training session or improper instruction, your policy can help pay for medical bills and legal defense.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as copyright infringement in your advertising and privacy invasion.
If your business is sued for a general liability claim (like claims of bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you and cover any damages or settlement costs.
With a general liability policy from Berxi, everyone employed by your business is covered, not just you. That means your business will be protected from general liability claims resulting from employee actions: if an employee accidentally damages someone’s property, your Berxi policy can help cover the costs.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional endorsement, which can help repair or replace damaged or lost equipment, computers, inventory, furnishings, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can add workers’ compensation and cyber liability coverage from one of our trusted partners to your Berxi general liability insurance policy by speaking with our in-house customer support team.
Berxi’s general liability insurance starts at just $100/year for independent personal trainers and $350/year for personal trainers with permanent studio space.
Your annual premium will depend on a few different factors, including:
Because we have no hidden costs or interest fees, personal trainers who choose Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for personal trainer liability insurance is to get a quote.
Cyber liability insurance is recommended if you offer online training, run a virtual coaching website, store personal health data (PAR-Q forms), or process client payments online. You can add optional cyber coverage from one of our trusted partners to your Berxi general liability policy.
Workers’ comp insurance is required by law in almost all states if you have employees. It covers medical care and lost wages if employees are injured on the job. You can add workers’ comp coverage from one of our trusted partners to your Berxi general liability policy.
If you regularly drive your own vehicle to client homes, your standard personal auto policy may not cover you if you get into an accident while working.
With a financial strength rating of A++ from AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15% vs. industry standards.
You can visit our website to get a quote, buy a policy, update your account information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real human being from our in-house product specialist team who will work hard to answer all of your questions.
Getting covered is fast and straightforward.
Step 1: Using our easy online quote process, just answer a few quick questions about your personal trainer work, including where you practice, your business details, and your coverage needs. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, update your information, or file claims — right from your phone or computer.
“I am setting up a new business, and Berxi made the process completely seamless. This was truly a huge relief and something I could check off my to-do list immediately.”
— Tara
“The best service one can ask for, provided without hesitation.”
— Giselle
“Berxi was recommended to me by a friend at another company. The quoting process was easy, and the price is better than anywhere I’ve found!”
— Jeremy
Personal trainer insurance protects against liability claims, injuries, and lawsuits. Learn what coverage personal trainers need, pricing, and benefits.
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learn moreYes, even highly experienced trainers can face unexpected accidents or claims. If a client gets injured during a session or alleges negligence, you could be held financially responsible. Liability insurance helps protect your business and your personal assets.
Berxi’s general liability insurance starts at just $100/year for solo personal trainers and $350/year for personal training businesses and studios. The best way to find out how much you might pay for personal trainer liability insurance is to get a quote.
At a minimum, most personal trainers need general liability insurance to cover accidental injuries or property damage. Some type of professional liability coverage is also important to protect you from claims that improper training led to a client injury. Luckily, Berxi bundles professional incident coverage for bodily injury due to training as part of our general liability policies (at no extra charge), making Berxi’s general liability coverage the perfect one-stop-shop for personal trainers.
Look for a policy that matches how and where you work, whether that’s in a gym, outdoors, or in clients’ homes. Pay close attention to coverage limits, exclusions, and whether both general and professional liability are included. It’s also helpful to choose a provider that specializes in small businesses and makes it easy to manage your policy online.
Any personal trainer who works with clients should consider insurance: if you’re full-time, part-time, or just starting out, general liability insurance is essential to protect you legally and financially. This includes independent trainers, online coaches, group fitness instructors, and those employed by gyms or studios (especially if coverage isn’t provided by your employer). If you’re offering guidance, instruction, or physical training, insurance is a smart safeguard. No matter the setting, Berxi personal trainer liability insurance can help protect you from claims of bodily injury, property damage, lawsuits, and other costs.
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