Best Business Insurance for Personal Trainers in 2025 (Top 10 Companies)

The top pick for the best business insurance for personal trainers is Nationwide, USAA and Progressive. Nationwide, renowned as one of the best insurance companies, offers competitive rates starting at $72/month.

Alongside USAA and Progressive, Nationwide provides top-notch customer service and a range of coverage options designed to meet the unique needs of personal trainers.

Our Top 10 Company Picks: Best Business Insurance for Personal Trainers

Navigating the complexities of insurance can be daunting, but with Nationwide’s top-notch customer service and tailored coverage options, personal trainers can rest assured that their businesses are in capable hands.

Our free quote tool above makes it easy to compare affordable coverage options for your business — simply enter your ZIP code to find the best commercial insurance company for you.

#1 – Nationwide: Top Overall Pick

Pros

• Specialized Coverage: Nationwide stands out for its specialized solutions tailored for personal trainers, ensuring coverage aligns with their unique needs. Check out our Nationwide insurance review & ratings to gain a deeper understanding of our coverage options.
• Competitive Rates: The average monthly rate is reasonable at $115, making it an attractive option for personal trainers seeking affordability.
• Low Complaint Level: Nationwide maintains a low complaint level, indicating a high level of customer satisfaction and efficient claims handling.

Cons

• Limited Discounts: While Nationwide offers a 10% professional liability discount, there might be room for improvement in the variety of discounts available.
• Not Military-Focused: Nationwide may not be the ideal choice for military members, as it lacks the specialized benefits that some other providers offer to this demographic.

#2 – USAA: Best for Military Members

Pros

• Military-Focused: USAA is the go-to choice for military members, offering substantial professional liability and multi-policy discounts tailored to their unique needs.
• Affordable Rates: With an average monthly rate of $63, USAA provides competitive pricing, especially considering the additional benefits for military professionals.
• Low Complaint Level: USAA maintains a low complaint level, reflecting its commitment to customer satisfaction and efficient service. Take a moment to read our USAA insurance review & ratings for valuable insights.

Cons

• Limited Eligibility: USAA is exclusive to military members and their families, restricting access for individuals who do not meet this criterion.
• Limited Multi-Policy Discount: While USAA offers a significant multi-policy discount, it may not be as versatile as some other providers, limiting potential bundling options.

#3 – Progressive: Best for Flexible Policies

Pros

• Flexible Policies: Progressive is known for its flexibility, offering policies that can be customized to suit the unique needs of personal trainers, providing tailored coverage.
• Competitive Rates: With an average monthly rate of $109, Progressive provides affordable options for personal trainers seeking comprehensive coverage.
• Low Complaint Level: Progressive maintains a low complaint level, indicating high customer satisfaction and efficient claims handling. Uncover more about our Progressive insurance review & ratings for comprehensive review.

Cons

• Limited Professional Liability Discount: While Progressive provides a 12% professional liability discount, it might not be as high as some other providers, impacting overall savings.
• Not Military-Focused: Progressive may not offer specific benefits or discounts tailored to military members, making it less appealing for individuals in this demographic.

#4 – The Hartford: Best for Fitness Professionals

Pros

• Fitness Professionals: The Hartford is specifically tailored for fitness professionals, making it an excellent choice for personal trainers seeking coverage that caters to their unique industry.
• Professional Liability Discount: With a 15% professional liability discount, The Hartford provides significant savings for personal trainers.
• Multi-Policy Discount: The Hartford offers a 12% multi-policy discount, contributing to potential cost savings for those bundling their insurance. Discover what sets our The Hartford insurance review & ratings for detailed review.

Cons

• Average Monthly Rate: The average monthly rate for good drivers is not explicitly mentioned, so it might be important for personal trainers to inquire about pricing to ensure it fits their budget.
• Coverage Limitations: The specialization in fitness professionals might lead to coverage limitations for personal trainers with diverse needs beyond the standard fitness industry.

#5 – Travelers: Best for Risk Management

Pros

• Risk Management Focus: Travelers is known for its emphasis on risk management, making it a suitable choice for personal trainers who want proactive coverage against potential risks.
• Competitive Multi-Policy Discount: With a 20% multi-policy discount, Travelers provides an attractive option for those looking to bundle their insurance policies.
• Professional Liability Discount: Offering a 15% professional liability discount, Travelers adds to the potential for cost savings for personal trainers. Learn more about Travelers insurance review & ratings for thorough review.

Cons

• Average Monthly Rate: The specific average monthly rate for good drivers is not mentioned, which may leave personal trainers uncertain about the affordability of Travelers’ policies.
• Limited Specialization: While Travelers excels in risk management, it may lack the specialized coverage options that some other providers offer for personal trainers.

#6 – State Farm: Best for Personalized Service

Pros

• Personalized Service: State Farm is known for its personalized service, offering a dedicated agent who can assist personal trainers in tailoring their coverage to meet specific needs.
• Competitive Multi-Policy Discount: With an 18% multi-policy discount, State Farm provides an attractive option for personal trainers seeking bundled insurance solutions.
• Long-Standing Reputation: State Farm has a long-standing reputation in the insurance industry, instilling confidence in the reliability and stability of the company. Get the full scoop on State Farm insurance review & ratings for in-depth review.

Cons

• Average Monthly Rate: The specific average monthly rate for good drivers is not provided, making it essential for personal trainers to inquire about pricing to ensure it aligns with their budget.
• Limited Professional Liability Discount: State Farm offers a 10% professional liability discount, which might be lower than what some other providers provide.

#7 – Allstate: Best for Customizable Coverage

Pros

• Customizable Coverage: Allstate offers customizable coverage options, allowing personal trainers to tailor their policies to their specific needs and preferences. Gain a better understanding of Allstate insurance review & ratings for informative review.
• Competitive Multi-Policy Discount: With a 15% multi-policy discount, Allstate provides an appealing option for personal trainers looking to bundle their insurance policies.
• Strong Financial Standing: Allstate’s strong financial standing adds a layer of security, assuring personal trainers that the company is well-equipped to handle claims and provide reliable coverage.

Cons

• Average Monthly Rate: The specific average monthly rate for good drivers is not mentioned, which may leave personal trainers uncertain about the affordability of Allstate’s policies.
• Mixed Customer Reviews: Allstate has varying customer reviews, indicating that experiences may vary, and personal trainers should consider individual feedback when making a decision.

#8 – Liberty Mutual: Best for Business Support

Pros

• Business Support: Liberty Mutual provides business support, offering services and resources that can be beneficial for personal trainers managing their professional ventures.
• Professional Liability Discount: With a 12% professional liability discount, Liberty Mutual contributes to potential cost savings for personal trainers seeking this coverage.
• Varied Coverage Options: Liberty Mutual offers a range of coverage options, allowing personal trainers to customize their policies to align with their unique requirements. Refer to our Liberty Mutual review & ratings for a detailed overview of our offerings.

Cons

• Average Monthly Rate: The specific average monthly rate for good drivers is not explicitly stated, requiring personal trainers to inquire about pricing for accurate budget considerations.
• Mixed Customer Service Reviews: Some customer reviews suggest variability in the quality of customer service, emphasizing the importance of individual experiences in decision-making.

#9 – Farmers: Best for Varied Coverage Options

Pros

• Varied Coverage Options: Farmers provides a diverse range of coverage options, allowing personal trainers to choose policies that suit their specific professional needs. Explore our Farmers insurance review & ratings to gain deeper insights.
• Competitive Multi-Policy Discount: With an 18% multi-policy discount, Farmers offers an attractive option for personal trainers seeking bundled insurance solutions.
• Strong Financial Stability: Farmers’ strong financial stability adds a layer of assurance, indicating the company’s ability to handle claims and provide reliable coverage.

Cons

• Average Monthly Rate: The specific average monthly rate for good drivers is not provided, necessitating personal trainers to request accurate pricing information.
• Mixed Customer Reviews: Like many insurers, Farmers has mixed customer reviews, suggesting that individual experiences may vary.

#10 – CNA: Best for Specialized Solutions

Pros

• Specialized Solutions: CNA is known for its specialized solutions, making it a suitable choice for personal trainers seeking coverage tailored to their unique professional requirements.
• Competitive Multi-Policy Discount: With a 20% multi-policy discount, CNA provides an attractive option for personal trainers interested in bundling their insurance policies.
• Professional Liability Discount: Offering a 15% professional liability discount, CNA adds to the potential for cost savings for personal trainers. Review our CNA insurance review & ratings to get a better understanding of our services.

Cons

• Limited Public Presence: CNA may not be as widely recognized as some other insurers, potentially impacting the familiarity and trust level among personal trainers.
• Average Monthly Rate: The specific average monthly rate for good drivers is not mentioned, requiring personal trainers to inquire about pricing to ensure it aligns with their budget.

Comprehensive Coverage for Personal Trainers

Understanding the various coverages available is crucial for ensuring comprehensive protection against potential risks. In this section, we’ll explore the key coverages tailored specifically for personal trainers, providing peace of mind and security in their professional endeavors.

• General Liability Insurance: Protection against third-party claims of bodily injury or property damage occurring at your business premises or during training sessions. For more detailed information on Commercial General Liability (CGL) Insurance, refer to our comprehensive guide.
• Professional Liability Insurance: Coverage for claims of professional negligence, such as giving incorrect fitness advice or guidance leading to injury.
• Business Property Insurance: Safeguarding your equipment, tools, and other business property against damage or theft.
• Product Liability Insurance: Coverage for claims arising from injuries caused by products you sell or distribute, such as nutritional supplements or fitness equipment.
• Business Interruption Insurance: Compensation for lost income and expenses if your business operations are temporarily disrupted due to covered events, like natural disasters.
• Workers’ Compensation Insurance: Coverage for medical expenses and lost wages if an employee (such as an assistant or receptionist) is injured while working for you.
• Cyber Liability Insurance: Protection against data breaches and cyberattacks, crucial if you store sensitive client information electronically.

With the right insurance coverages in place, personal trainers can confidently pursue their passion for fitness while mitigating potential liabilities. From general and professional liability to business property and cyber liability insurance, comprehensive coverage ensures protection against a range of risks.

Health and Accident Medical Insurance Solutions

Self-employed personal trainers and health club employees can now access quality healthcare coverage at affordable prices through our partnerships with reputable health insurance carriers. With easy access to reliable health insurance plans, take control of your healthcare and ensure you have the coverage you need.

In addition to traditional health insurance, we offer accident medical insurance as an affordable alternative for personal trainers. Our plans provide essential medical protection for common everyday injuries, ensuring you receive the care you need without the burden of high costs. Enjoy peace of mind knowing that you’re covered in case of accidents, whether it’s a slip and fall, a sports-related injury, or any unforeseen mishap.

Cost Considerations for Personal Trainers

Understanding the cost of insurance is essential for personal trainers seeking comprehensive coverage while offering affordable coverage options. Several factors influence insurance premiums, including the level of coverage required, business size, location, and claims history.

While costs vary among insurance providers, personal trainers can typically expect to pay anywhere from a few hundred to several thousand dollars annually for coverage. However, investing in adequate insurance is crucial for protecting against potential liabilities and ensuring the longevity of their business.

Business Insurance Monthly Rates for Personal Trainers by Coverage Level

By comparing quotes from multiple insurers and exploring available discounts, personal trainers can find a balance between affordability and comprehensive coverage that suits their unique needs.

Obtaining Online Insurance Quotes for Personal Trainers

In today’s digital age, obtaining insurance quotes for personal trainers has never been easier. With online tools provided by insurance companies, personal trainers can quickly and conveniently compare quotes from multiple insurers in just a few clicks.

By entering their business details, such as location and coverage needs, trainers can receive customized insurance quotes online tailored to their specific requirements. Furthermore, online platforms often offer additional resources and information to help personal trainers make informed decisions about their insurance coverage.

From educational articles to interactive tools, these online resources empower trainers to understand their options and select the best insurance policy for their needs. With the convenience and accessibility of online quoting tools, personal trainers can efficiently secure the coverage they need to protect their business and clients.

Case Studies: Personalized Business Insurance Solutions for Personal Trainers

In the dynamic field of personal training, unforeseen incidents can disrupt both trainers and clients. Personalized business insurance solutions provide essential protection, ensuring smooth resolutions to unexpected challenges. Explore the transformative role of comprehensive insurance coverage in safeguarding trainers’ financial well-being and the continuity of their careers.

• Case Study #1 – Liability Insurance: Sarah, a personal trainer, had a client sustain an injury during a training session. Her liability insurance covered legal expenses and compensation for the client’s injury, ensuring a smooth resolution to the incident.
• Case Study #2 – Health Insurance for Self-Employed Trainers: John, a self-employed personal trainer, secured affordable health insurance tailored to his needs through partnerships with reputable carriers. This provided him with peace of mind and ensured access to quality healthcare.
• Case Study #3 – Accident Medical Insurance: Amy, a personal trainer, experienced a slip and fall incident outside the gym. Her accident medical insurance covered the associated medical costs, exploring how a medical discount plan can effectively lower your healthcare expenses.

As highlighted in the case studies, investing in tailored business insurance solutions is paramount for personal trainers seeking to protect themselves and their clients. Whether it’s mitigating liabilities, securing access to quality healthcare, or providing coverage for unexpected accidents, the right insurance coverage offers peace of mind and financial security.

By embracing comprehensive insurance solutions, personal trainers can focus on their passion for fitness while ensuring a resilient foundation for their businesses.