From aerobics to yoga, if you are a personal trainer or instructor, you may need personal trainer insurance.

You work so very hard to help your clients improve their lives, but you cannot predict accidents.

As an independent contractor working in a facility you do not own, the facility’s insurance typically covers only the facility, but not you. This can leave you liable for any accidents that may happen to your clients. Having professional liability insurance for your trade may not only required by the facilities you run your business in, it also can help protect you.

Markel Specialty has 40 years experience providing professional liability insurance for qualified personal trainers at affordable prices for various types of personal trainers and instructors including:

  • Aerobics instructors
  • Personal trainers
  • Yoga/Pilates instructors
  • Dance instructors
  • Stroller/Fit strides instructors
  • Cardio kickboxing instructors
  • Group aerobics instructors
  • Zumba instructors
  • Jazzercise instructors
  • Dancercise instructors
  • Water aerobics instructors

What does professional liability insurance for personal trainers cover?

Clients can get injured, and in some instances, they may blame you. As an independent contractor working at someone’s facility, you may be held responsible for client complaints regarding any injuries under your instruction. Professional liability insurance for personal trainers from Markel Specialty is a way to help you protect yourself. It’s affordable and flexible, allowing you to choose the coverage you need, with annual premiums starting as low as $136.

Our professional liability insurance for personal trainers can protect you by:

  • Covering the costs of defending you, even if the allegations are false or groundless.
  • Covering the costs to settle a claim, or costs that result if you lose the case, up to the level of protection you've chosen.
  • Handling your claims promptly and efficiently, with courtesy and tact.

How much is professional liability insurance for personal trainers?

Start by choosing your desired premium and professional liability limit:

  • $136 premium, fully earned as allowed by state: $500,000 per occurrence/$1.5 million aggregate
  • $171 premium, fully earned as allowed by state: $1 million per occurrence/$3 million aggregate
  • $195 premium, fully earned as allowed by state: $2 million per occurrence/$4 million aggregate (Not available in HI and RI)

As an additional coverage option, you can include nutritional and dietary supplemental consulting coverage for only $25 more.

Get a quote online.

All of our professional liability policies for professional trainers are fully earned which means your premium is non-refundable (as allowed by state) should you cancel your policy at any time during the policy period.

Note: To qualify for a Markel Specialty professional liability quote, all trainers and instructors must be currently certified by a U.S. national certification organization.


From helpful tips to coverage options, find the information, advice, and resources you need all in one place.

  • Value-added services

    Background checks, training materials and education available at negotiated rates.

  • Risk Solution Services

    Markel Specialty is committed to providing the tools you need to help you keep safety first.

  • Additional information

    American Council on Exercise (ACE)
    Health and fitness advocate providing accessible NCCA-accredited certifications and scientifically rooted education to fitness professionals and health enthusiasts to significantly impact diseases related to inactivity.

    Club Business International
    CBI, the world's leading magazine for the health and fitness industry, is read by nearly 24,000 health club owners, managers and professionals in 80 countries around the world.

    Club Industry
    Trusted media source for fitness business professionals providing forums filled with high-quality content, relevant information, dynamic meetings, and networking opportunities critical to industry decision makers.

    The International Health, Racquet & Sportsclub Association – is the trade association serving the global health club and fitness industry. The mission of IHRSA is to grow, protect and promote the health and fitness industry, and to provide its members with benefits that will help them be more successful. IHRSA and its members.

    National Association of Sports Medicine (NASM)
    Certification, continuing education, solutions, and tools for health and fitness, sports performance, and sports medicine professionals.

    National Personal Training Institute (NPTI)
    A 500 and 600 hour personal training program that offers unique and comprehensive coursesto become a top-notch personal trainer.

Annual premiums starting as low as $136.

Markel Specialty's personal trainer liability insurance is the affordable and flexible way to protect yourself.