Personal Trainers
September 12, 2021

Are you insured as a personal trainer? Here's the best insurance option

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Personal Trainers
Are you insured as a personal trainer? Here's the best insurance option
Cory McKane
Blog Post Summary:

Are you thinking of getting insurance as a personal trainer but not knowing where to start? Here’s everything you need!

The online personal training insurance world is now a bit of an elusive beast. Personal trainers are aware that they must have insurance coverage at the very least for face-to-face teaching.

However, when it comes to online personal training insurance, information is scarce, and actual rules and regulations appear to be non-existent.

That’s because they don’t exist at the moment. This article aims to help all online personal trainers better protect themselves while ensuring their aspirations and clients’ needs are met.

Why You Should Get an Insurance Plan For Online Training

When you start a personal training business, you are taking a significant risk on yourself. You believe you have the skills and knowledge to help others push themselves beyond their comfort zones and achieve goals they previously thought were unachievable.

But what if you go too far with a customer and end up paying someone else’s medical costs, being accused of improper conduct, or being sued?

If you’re unsure how to answer those questions or whether you can afford to pay for legal defense or settlement, now is the time to figure out what sort of insurance you’ll need to help your business grow and prosper.

To do so, you must first understand where you are legally vulnerable and what insurance products are available to assist you to shore up your weak points.

In FindLaw’s blog post, “Can I Sue My Personal Trainer?” They talk about the right of clients to sue personal trainers for many possible reasons and the possible repercussions you can experience.

How to Cover Yourself

Usually, there are insurance policies for almost all kinds of people and situations. However, most insurance firms have yet to create one specifically for personal trainers. How can personal trainers protect themselves if there is no particular insurance for online personal training?

Oh wait, there is, head to Next Insurance to find a policy that works for you - Personal Training Insurance

Professional Liability Insurance

To protect yourself, you should acquire professional liability insurance. It’s intended for in-person training, but in the worst-case scenario, it may provide some protection for your online services.

Terms of Service

This is the page that is usually linked from the footer of a website. Under your terms of service, anybody who uses your service or one of your products is released from all liability.

Privacy Policy

Your privacy policy is a declaration or legal document that describes how your physical therapy practice gathers, uses, discloses, and keeps a client’s data in one or more ways.

Online Training Informed Consent

An online informed consent form for personal training explains the fundamental purpose and techniques of personal training, describes the possible risks and benefits, and requests that the client declares that they are in good health and waive any claims against the trainer.

Client Information Agreement

A client information agreement allows you, the business owner, to utilize the information and photos provided by your clients on your website. It shields you from legal action if you use their before and after photos, headshots, or names on your website.

How to Reduce Legal Risks as a Personal Trainer

Despite the greatest efforts of fitness professionals to assure customer safety and happiness, lawsuits are always a risk.

Fitness professionals can protect themselves by obtaining liability insurance, but they can also assure customer safety and satisfaction by following “best practices” within industry standards.

In the National Academy of Sports Medicine blog post, they coined the pneumonic: FITTER, one of the easiest methods to memorize these best practices. The following are the actions to take:


During the training session, please focus on the customer or group of clients by effectively instructing and monitoring them with all activities. It will aid in the creation of a secure environment. Don’t become sidetracked throughout their program since a lack of monitoring might lead to harm.

Informed Consent

Ensure the client’s verbal and written informed permission before beginning their training program(s). It ensures that everyone is on the same page regarding the client’s goals, workout programming, potential risks, medical clearances, etc.


Allow adequate time between training sessions to rest, transition, and focus on each customer. When a professional is hurrying from one customer to the next, the likelihood of making a mistake increases.


Test your clients regularly to monitor their progress and motivate them. Clients should be retested every 4-6 weeks to track progress and adjust activities as needed. During this time, the customer may also discuss their program and any changes they want to see.

The technique provides a collaborative process in which all partners participate in decision-making, assisting in relationship growth. According to research, a positive relationship between a professional and a client may reduce the likelihood of a lawsuit in the case of an adverse circumstance.

Educate Yourself

Being up to speed on the latest research, trends, and training techniques is important in the health and fitness industry. Keeping all fitness-related qualifications up to date is required for professional activity. 

Researchers discovered that people are more likely to be harmed when trained by unqualified specialists (Bianchi et al., 2020; da Costa et al., 2019). As a result, being up to date on education is important to provide the best possible care.


Legal experts usually recommend that each client session be documented, including but not limited to client personal information, exercises performed, acute issues, client education, any events during training, and a strategy for the next session.

A frequent saying among professionals is, “if it wasn’t documented, it didn’t happen,” emphasizing the need to record each client session (Ethicist, 2016).

What Personal Trainer Insurance to Get

Now, even though we talked about how insurance firms don’t have specific policies for personal trainers, you can still get enough protection by getting one or a few of the ones listed below:

General Liability

It is any personal trainers’ most common type of liability insurance. It protects you from workplace errors that might lead to accidents or legal action. For example, when progressing to the next activity on a jump rope, a client trips and injures themself. Their injury may be covered by general liability.

Professional Liability

It is also known as errors and omissions (E&O) insurance. This coverage protects you from claims that your advice or negligence caused a client’s injuries or lost wages.

Assume you fail to observe a client while practicing a new exercise which leads to them falling and breaking their hip. Professional liability insurance may be able to help cover the client’s injuries.

Workers’ Compensation

It covers any occupational sickness or accident that occurs while on the job and results in medical costs and wage loss. In addition to basic coverage, you can defend yourself as an employer against any claim brought by an employee under the Labor Law/Compensation Workmen’s Ordinance.

Business Owners’ Policy

A business owner policy (BOP) is a single policy that covers all major property and liability risks. This form of insurance combines all of a business owner’s critical coverages into one convenient bundle. However, it is usually marketed for less than the total cost of the individual ranges.

Final Thoughts

It might not be easy getting well-protected as an online personal trainer, but there are ways to make sure you are insured and prepared for anything.

Get personal training insurance through Next Insurance right here - Personal Training Insurance

Are you new to personal training? Read these articles to get started on growing your business:

About the Author:

Cory McKane is the CEO/Founder of WeStrive - a platform for personal trainers to manage & grow their personal training business. He enjoys working out and spending time working with trainers on WeStrive on how to manage/grow their business.


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Written by
Cory McKane
CEO | WeStrive
Huge fan of fitness - Even bigger fan of helping you with your fitness. I've been building up the WeStrive platform for over 5 years and I'm excited to keep building out the greatest Health & Wellness platform on Earth.

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Are you insured as a personal trainer? Here's the best insurance option