Personal Training Insurance

What this coverage is intended to address

• ✓General liability — third-party injury and property damage at the gym, a client's home, or outdoors
• ✓Professional liability insurance, also called Errors & Omissions (E&O) insurance — allegations that your programming, load selection, or supervision contributed to a client injury
• ✓Certificate requests from gyms and studios — including additional insured wording most facilities require
• ✓Equipment you bring to sessions (when scheduled on the policy)

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

• A gym asks for a certificate of insurance naming the facility as additional insured before you can train clients on the floor — a standard request most trainer policies are intended to handle with a quick endorsement.
• A client alleges a progression was too aggressive after a disclosed injury. Professional liability — also known as Errors & Omissions (E&O) insurance — is generally intended to address allegations of this type in the event of a covered claim.