The Top 5 Online Personal Training Insurance Providers

More online personal training services have cropped up over the past 12 months. As a consequence of the pandemic and the social distancing requirements that were established, a lot of personal trainers were forced to establish their business online.

Many PTs will continue running at least part of their company in this way. No matter what applies to your situation, if you provide online personal training services, you will need to choose an online personal training insurance provider with care. Read on to discover more about five of the best.

1. Insure Fitness Group

insurefitness.com

The first option to consider is Insure Fitness Group. With immediate coverage available, you will be able to benefit from online personal training insurance straight away. 

You can expect occurrence form coverage to be included. For those who are unaware, this means you can still make a claim for an event that happens when your policy is active but the policy has since expired.

For example, if you held an online training class on May 15th, and a client suffered an injury, yet waits until May 25th to claim, you would still be able to file a claim if your policy has expired in between the two dates mentioned.

Aside from this, Insure Fitness Group is known to provide some of the highest coverage limits within the United States. Not only is $1 million of occurrence-form coverage provided, but they provide $3 million aggregate professional and general liability insurance as well. 

Plus, reduced rates are available for personal training students, which is something you will struggle to find with a lot of other providers.

2. Insurance Canopy

www.insurancecanopy.com

Another great insurance provider to consider for your virtual personal training business is Insurance Canopy. This company prides itself on catering their insurance plans to suit their customer’s needs, and so you can be certain you will end up with the right level of coverage for your home-based personal training business.

One of the great elements of Insurance Canopy policies is that they provide cybersecurity coverage. Unfortunately, data breaches have become incredibly common in recent times, and they can destroy businesses, resulting in thousands (and sometimes millions) of dollars lost and reputations ruined. The fact that Insurance Canopy provides cybersecurity coverage is imperative, especially when you rely on an Internet connection to provide your services.

In terms of the coverage limits, you can expect $3,000,000 general and professional liability coverage, as well as a $5,000 medical expense limit. The maximum general and professional liability coverage for each occurrence is $2,000,000.

3. NEXT Personal Trainer Insurance

www.nextinsurance.com

If you are yet to find the perfect online personal training insurance provider for you, you may want to consider NEXT Personal Trainer Insurance. NEXT Insurance and NASM have partnered together to provide this insurance product. You may be familiar with NASM, the National Academy of Sports Medicine, as you may have been certified them while making your way into the personal training industry. 

They have a number of different plants for you to choose from, with all of them covering harmful advice, unhappy clients, and personal injury claims. All of their policies cover professional insurance and general liability insurance. 

One of the good things about choosing NEXT Personal Trainer Insurance is that you have the option of adding nutritional/dietary supplement coverage. So, if you provide this sort of service, it is definitely worth adding this coverage in. The coverage limit you receive for this depends on the plan you choose, i.e. there is a $100,000 limit with the Basic Plan, a $250,000 limit with the Pro Plan, and a $1,000,000 limit with the Pro Plus Plan.

4. Sadler Sports & Recreation Insurance

www.sadlersports.com

No matter whether you provide at-home pilates classes, cardio exercises, or you teach ZUMBA online, you could find that Sadler Sports & Recreation Insurance is right for you. The online personal training insurance provided by this company includes both professional and general liability insurance, yet there are a number of different customization options available.

Policies differ based on the level of coverage provided. For example, the first option is the lowest coverage option. You have a maximum limit of $500,000 per occurrence with this plan. This then goes all of the way up to option six, which is the highest coverage plan. With this, the maximum limit is $5,000,000 per occurrence. Therefore, you can easily tailor the plan to suit your specific needs.

5. InterWest Liability Insurance

www.fitpak.com

The final provider that we recommend for online personal trainer insurance is InterWest Liability Insurance provided by FitnessPak. This insurance is associated with another name that you may be familiar with; the American Council of Exercise (ACE). This is another organization that may have certified you to become a personal trainer. 

No matter where you are training, ACE insurance can provide you with the protection that you need. You will also receive an insurance ID card, which can give you a great way of showing your credibility to your clients. 

When choosing from the different online personal training insurance policies available, you will have the option of selecting from a one-year or two-year policy. The difference between the two is that you can lock in some discounts by choosing the longer policy, so it makes sense to do this if you can envision yourself needing the insurance for this length of time.

Wrapping Up

So there you have it: the top five online personal trainer insurance providers. We hope that this has helped you to get a better understanding of the different options that are available to you when looking for online personal training insurance. It is important to consider your options carefully so that you can make sure that your business is protected.

If you're based in the US and are looking for providers for your in-person services, check our article on the best personal trainer insurance providers in the USA.