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.

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Annual premiums starting as low as $136.

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

This content is provided for informational purposes only. Terms, conditions, and exclusions apply. Coverage is underwritten by one or more insurance companies of Markel and policyholder services are provided by the underwriting manager, Markel Service, Incorporated, national producer license # 27585, in California d/b/a Markel Insurance Services, license # 0645481. Certain products and services are provided through various non-admitted insurance companies of Markel and are offered through licensed surplus lines brokers or through Markel West Insurance Services, California license # 2E11302. Terms and conditions for rate and coverage may vary by state and application. Insurance and coverage are subject to availability and qualifications and may not be available in all states. Coverage descriptions listed are intended to be brief and do not replace actual policy language. Markel® is a registered trademark of the Markel Corporation.