Personal Trainer Insurance Rates
How Much Is Business Insurance for Personal Trainers and Fitness Instructors?

Whether you teach Pilates, yoga, spin, or CrossFit, insureon's agents can customize fitness instructor insurance to cover your business's liabilities and fit your budget. Because fitness instructor insurance or personal trainer insurance pays for injury and malpractice lawsuits, it covers some of your business's biggest financial risks, protecting you from potential debt and bankruptcy.

The cost of fitness instructor insurance will vary from business to business. A water aerobics teacher has different risks than a spin coach. But let's look at some ballpark number that will give you an estimate of what insurance for fitness instructors usually costs.

Note: Premiums quoted below are only estimates. Actual costs may vary.

HOW MUCH IS
General Liability Insurance?

What Does General Liability Insurance Cost?

Fitness instructor General Liability Insurance pays your legal expenses when a third party (i.e., non-employee) sues you over injuries and property damage. Think of all the accidents that could happen in a fitness class. A barbell could fall on someone's foot. A yoga student could slip on the floor where someone spilled a water bottle. Unlucky accidents like these could end up costing your business thousands of dollars in lawsuit costs. The third-party lawsuit coverage in General Liability Insurance protects your business from dramatic legal expenses that could bankrupt your business.

The average rate for a General Liability Insurance policy for fitness instructors and personal trainers with a $2M policy limit and a $1M per-claim limit is $520.89, with a median rate of $350.00 General Liability Insurance for fitness instructors and personal trainers typically costs $350 to $1,150.

To see how the cost of General Liability Insurance for fitness instructors and personal trainers compares with other industries, visit Insureon's 2014 Business Insurance Cost Analysis New browser window icon..

Average Premium Rates on General Liability Insurance Policies for Fitness Instructors and Personal Trainers
Name USD

Per claim limit:

$1,000,000

Policy Limit:

$2,000,000

Mean policy premium:

$520.89

Median policy premium:

$350.00

HOW MUCH IS
a BOP?

What Does a Business Owner's Policy Cost?

If you're looking for ways to save money on your insurance costs, a Business Owner's Policy is a smart option for fitness instructors. BOPs are an insurance bundle that contains Property Insurance and General Liability Insurance (see above). When you buy these two policies together, you'll often end up getting lower premiums. In addition to GL's lawsuit coverage, fitness instructors will get Property Insurance for commercial items, including exercise equipment, weights, and other fitness supplies and machines.

The average rate for a fitness instructor's Business Owner's Policy in which the General Liability component has a $2M policy limit and a $1M per-claim limit is $699.50, with a median rate of $582.50. A fitness instructor's Business Owner's Policy typically costs $500 to $1,150.

Average Premium Rates on Business Owner's Policies for Fitness Instructors and Personal Trainers
Name USD

Per claim limit:

$1,000,000

Policy Limit:

$2,000,000

Mean policy premium:

$699.50

Median policy premium:

$582.50

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