The best insurance coverage for personal trainers in Ontario
We cover a wide variety of personal trainers in Ontario including:
- Exercise Instructor
- Zumba Instructor
- Dance instructor
- Yoga Instructor
- Fitness Studio Owner
- Martial Arts Instructor
- Aquatic Fitness instructor
- Nutrition Specialist
We have comprehensive insurance solutions for all types of fitness professionals that can be customized to fit your company’s specific needs and budget. Call us for a free quote.
Save on personal trainer insurance
Focus on your clients and let our commercial brokers sweat the insurance details to get you the perfect policy for your personal trainer business. We’re a brokerage for over 70 of Canada’s top insurance companies, which means we have access to some of the best coverages and rates around, so you’ll never need to comparison-shop again.
What does personal trainer insurance cover?
We can help with the details, but fitness studio and personal trainer insurance packages generally start with the following coverages:
Commercial general liability
Essential for personal trainers, it covers client injuries and accidental personal property damage. It includes legal fees for lawsuits and court-awarded damages.
More about CGL
Professional liability
Coverage if you’re sued for mistakes or negligence from things like an overly strenuous workout routine or from an adverse reaction to recommended supplements or diets.
More about professional liability insurance
Cyber insurance
Essential for your handyman business, this covers your saws, hammers, ladders and more from damage or theft. It also pays for short-term rentals so that you can keep working after a claim.
More about cyber insurance
Commercial property
Protection for your office, studio, fitness equipment and business assets from fire, storms, burst pipes, vandalism and theft. If you rent the space, it also covers any improvements you’ve made.
More about commercial property insurance
Frequently asked questions about personal trainer insurance:
Do I need insurance to be a personal trainer?
Yes, whether you’re working in a gym or as part of a company of personal trainers, being insured is a requirement. Personal training, the same as with any profession, has the potential for things to go wrong. Trainers shouldn’t depend on their employer’s insurance and acquire their own policy.
How much does insurance for personal trainers cost?
Insurance for personal trainers and fitness professionals can start as low as $350 a year. The actual cost of your policy will depend on the unique requirements of your company. Some of the factors that will determine the price include:
- The size of your business, the location and the services you offer
- What training and certification you have
- Whether you have employees or not
- How many years of experience you and your employees have
- Any past insurance claims you may have had
How much liability insurance is enough for my personal trainer business?
We usually recommend a minimum of $2 million in both commercial general liability and professional liability. One of our commercial insurance experts would be happy to advise you based on the specifics of your business. Read more about the importance of liability coverage for personal trainers.
Do I need professional liability coverage if I’m only offering training sessions online?
We strongly recommend that personal trainers get professional liability coverage regardless of whether you’re offering training in person or online. Professional liability – which is also known as errors and omissions insurance – protects you if a client gets injured while following your instruction or advice and decides to sue you. It covers legal fees along with settlements or judgments.
If I use my personal vehicle for work, do I need commercial auto insurance?
If you’re a trainer and use your own personal car to visit clients, that’s considered business use of your vehicle, and could invalidate your personal auto insurance policy. Just to be safe, talk to your insurance broker to make sure you are covered. In some cases, you can add business use to a personal auto insurance policy and it won’t add too much premium. The other option is to add commercial auto insurance to your personal trainer policy. Sometimes it can be more affordable than a personal auto policy, and covers you for personal use of your vehicle as well.
Do you need insurance for online personal training?
The same as with in-person training, online personal trainers should have insurance. Online trainers may need personal injury liability protection to cover them if they are responsible for bodily injury to a client due to misinformation, error, or bad advice.
