Personal trainer insurance is not a type of insurance in itself but rather a collection of coverage types designed to protect personal trainers. The primary personal trainer insurance type is commercial general liability (CGL), which covers third-party claims arising from bodily injury, medical bills, property damage and related legal defense costs. Some trainers and fitness instructors will need other coverage types.

For most personal trainers and fitness instructors, the main coverage types needed are typically bundled into one package, called a business owners policy (BOP), which is a cost-effective means of getting broad coverage. Direct employees of a gym may not be covered and will need to confirm coverage with the owner.

Personal trainer or fitness instructor insurance costs typically range from about $150 to $500 per year because commercial general liability coverage is typically what most trainers need. However, the total cost of personal trainer insurance can be more, depending on a few key factors like the size of your business, if you have employees and your chosen coverage limits.