Liability Insurance is Critical for Personal Trainers

As a personal trainer, you help your clients reach their fitness goals every day. But with that rewarding work comes real risk. A client could get injured during a training session. A piece of equipment could malfunction. A client could claim that your advice caused them harm.

The Risks Personal Trainers Face

Personal trainers are exposed to several types of liability:

• Bodily injury — A client gets hurt during a workout you designed or supervised
• Professional liability — A client claims your training advice or nutritional guidance caused them harm
• Property damage — Equipment or facilities are damaged during a training session
• Negligence claims — Allegations that you failed to provide proper instruction, supervision, or safety precautions

Why Insurance Matters

Even if you are the most careful, qualified trainer in the world, accidents happen. And in today’s litigious society, a single lawsuit can be financially devastating.

Professional liability insurance protects you by:

• Covering legal defense costs, even if the claim is frivolous
• Paying settlements or judgments if you are found liable
• Protecting your personal assets from being seized to pay a claim
• Giving you peace of mind so you can focus on your clients

What SFIC Offers Personal Trainers

SFIC provides affordable professional liability insurance specifically designed for fitness professionals, starting at just $185 per year.

Our coverage includes:

• General liability
• Professional liability
• Products and completed operations
• Occurrence-based coverage (protects you even after the policy expires)

Whether you train clients in a gym, at their home, outdoors, or online, SFIC has you covered in all 50 states.

Get covered today — apply online or call us at (800) 844-0536.