Finding the Best Personal Trainer Insurance


As a personal trainer committed to health and fitness, you work hard to provide the absolute best instruction to your clients. So why settle for anything less than the best personal trainer insurance?

At Philadelphia Insurance Companies (PHLY), we pride ourselves on offering top-tier insurance for fitness professionals across the United States. Our company has its roots in supplying insurance to health and wellness professionals, and fitness is as important to our company culture as it is to our insurance policy offerings. Learn what PHLY has to offer, and discover the very best in personal trainer insurance.


PHLY's Commitment to Fitness

Health and wellness are a central part of the PHLY culture. We offer an on-site gym in our headquarters that is used by 90% of our employees. Employees outside of our home office can take advantage of subsidized health club memberships. Our company-wide wellness program helps employees learn about their health and stay motivated to achieve their fitness goals. Many of our 2,000 employees participate in walks, runs, cycling, and a variety of other competitive athletic events across the country. You'd be hard-pressed to find an insurance provider more dedicated to fitness than TEAMPHLY.


Why Every Trainer Needs Insurance

Certified personal trainers face a variety of challenges in their line of work, and unfortunately, legal action constitutes a serious occupational risk every trainer should be prepared for. As noted in a publication by the Journal of Strength and Conditioning Research on the state of personal training, lawsuits are an increasing concern for trainers across the country.

Any injury resulting from an exercise under the supervision of a personal trainer could result in a lawsuit - and the personal trainer could be held legally liable. For this reason, industry authorities like the National Council on Strength and Fitness (NCSF) recommend all trainers get some form of personal trainer liability insurance like the policies offered by PHLY. A single claim from a client can be enough to put an insufficiently insured personal trainer out of business.

The NCSF's recommendations include choosing an A+ rated insurance company when selecting personal trainer insurance. PHLY is rated A+ by Standard and Poor's and A++ by the AM Best Company. This means PHLY has been identified as a company with the superior financial strength required to guarantee support when you need it most.

Who We Cover

PHLY's commitment to the health and wellness space means we offer broad coverage for a wide range of fitness professionals. Here are a few of the fitness categories we offer insurance plans for:

  • Apparatus Pilates
  • Dance Instructor
  • Fitness Instructor
  • Golf Instructor
  • Group Fitness Instructor
  • Gyrotonics
  • Martial Arts Instructor
  • Personal Trainer
  • Swim Instructor
  • Yoga Instructor
  • And more!

Finding the Right Insurance: What We Offer

PHLY's insurance coverage for personal trainers is tailored to meet your specific needs. Here's what to look for when choosing an insurance policy - and what you can expect with a PHLY plan.

Tailored Coverage

Our broad policies are designed to meet the many needs of fitness professionals and are backed by significant experience in this niche market. With PHLY, you can expect coverage benefits that include:

  • Specialized coverage for both on- and off-premises
  • Extended coverage to contracted professionals
  • Industry-specific Risk Management Services resources
We provide automatic additional insured status for select entities on all of our trainer policies and a certificate of insurance generates instantly with our easy online application.

Exceptional Customer Service

PHLY is known for excellence in customer service that is unparalleled in the industry.

We have a 96% overall customer satisfaction rating and consistently high retention rates across the 120+ niche markets we serve. Our excellent customer support sets us apart from other insurance providers and is one reason personal trainers across the U.S. continue to come back to PHLY year after year. Personal trainers who work with us also enjoy direct access to their PHLY representatives, who are available to handle any questions or concerns.

As part of our commitment to customer service, we offer self-service portals, online quotes, and user-friendly online applications that can be completed in minutes. In addition, PHLY provides a dedicated fitness & wellness customer service contact center that is available to address any policyholder concerns. Our online application is streamlined for convenience and is:

  • Just one page
  • Mobile-friendly
  • Easily completed in minutes
So even if you arrive at a new gym and learn you need coverage, you can get an instant certificate of insurance on the spot with our online application.

Higher Limits

PHLY provides high limits and competitive premiums for our personal trainer policies. Here are the limits you can get with personal trainer liability insurance from PHLY:

  • General and Professional Liability: $1,000,000 per occurrence/$3,000,000 aggregate limit
  • Sexual Abuse Liability: $100,000 per occurrence/$300,000 aggregate limit
  • Products Liability: $1,000,000 aggregate limit
  • Medical Payments: $2,500
  • Damage to Premises: $100,000

To us, fitness and wellness are more than just an insurance opportunity. They're an integral part of PHLY history, culture, and service. Find out more about the policies that make us the top provider of personal trainer insurance coverage or fill out an application today!

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