a personal trainer is helping a client with an exercise in a gym

PERSONAL TRAINER LIABILITY INSURANCE FROM ALTERNATIVE BALANCE

Personal trainer liability insurance can protect you from clients who may push themselves too far too quickly, leading to injury or the accusation of harm. Personal training insurance also may protect you if a client makes a claim and asks for financial reimbursement for injuries or loss of income they suffered as a result of your training sessions.

Whether you train at a gym, are an independent trainer, or are an in-home personal trainer, the Alternative Balance liability insurance for personal trainers helps you focus on the health and well-being of your clients. Give yourself the peace of mind you deserve and protect yourself with affordable, reliable personal trainer insurance from one of the nation's best-known and most trusted brands in the insurance industry.

Our decades of tenure in the industry as a well-respected professional group allows our membership access to the most trusted insurance in the world, something most organizations just can’t claim.

WHY GET PERSONAL TRAINER LIABILITY INSURANCE?

Professional and general liability insurance can protect you from financial losses in case a client believes the services you provided caused their injury or damage to property. Often, when you provide your service at a location that someone else owns, such as a gym, school and training facilities, they will not protect you and will require you to have your own professional personal training liability insurance.

WHAT COVERAGE IS INCLUDED IN MY PERSONAL TRAINER INSURANCE?

Alternative Balance offers instant general and professional liability (GL/PL, E&O) insurance coverage for over 800 professional trades all for one low price! To see a complete list of coverages and rates, visit our Coverage & Pricing page.

General & Professional Liability
Products-Completed Operations
Damage to Premises Rented to You
Third-Party Medical Expenses
Personal & Advertising Injury
Defense Costs

NOW INCLUDED WITH YOUR MEMBERSHIP!

EquipProtect
Every membership automatically includes $10,000 for movable business equipment (BPP) and $10,000 for business interruption (BI) at no extra cost. Need more? You can easily upgrade to EquipProtect PLUS+ with limits up to $325,000 directly on your application to fully protect your business tools and equipment.

Participant Accident Coverage
Get built-in peace of mind with medical expense, accidental death, dismemberment, and paralysis benefits for clients injured at your gym—regardless of fault. This unique coverage allows you to support your clients right away and preserve your working relationship before a legal demand is ever made. (Note: Incidents must be reported immediately through your AB account to prevent legal demands and lawsuits being made before medical bills can be paid).

Personal Trainer SUB-INDUSTRY INSURANCE

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Personal Trainer Insurance FAQs

Our Support FAQs have the answers you are looking for. If you still have questions, our Customer Service Representatives are eager to help.

Can I add additional personal trainers from my gym to my policy?

On January 2, 2026

If you employ other personal trainers you can add them to your liability policy. If you work with personal trainers that are independent contractors they must get their own individual policy.

I do personal training in the water, am I covered?

On January 2, 2026

Yes, we cover water services as a premium therapy.

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General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use for 7 days or less. It does not apply to permanently leased locations.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

False Arrest, detention or imprisonment
Malicious prosecution
Wrongful Eviction or Wrongful Entry
Oral or written publications that slander or libels a person or organization
Oral or written publication or material that violates a person's right of privacy
The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.

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