Insurance Canopy
National Personal Training Institute Exclusive Partner
Insurance Canopy provides National Personal Training Institute students and graduates with low-cost, top-rated personal trainer insurance for as low as $15/month or $159/year. That’s just 44 cents a day for comprehensive liability coverage.
- Get instant coverage in under 10 minutes with Insurance Canopy’s easy online application.
- Pay by the month or save with annual payments — your choice!
- Get lifetime protection with occurrence-form coverage for accidents that happen during your policy period.
- Enjoy financial peace of mind, plus helpful tools and resources to power your business — at no extra cost with Insurance Canopy.
Why Do Personal Trainers Need Insurance?
Personal trainers need insurance to help pay for mishaps and injuries — like strains, sprains, and falls — as well as the potential claims or lawsuits that could follow.
A torn hamstring or snapped machine cable; accidents can happen in a second and follow you for years in the form of claims and lawsuits. Personal trainer insurance is a financial safety net, designed to keep you from facing these burdens alone.
What Does Personal Trainer Insurance Cover?
Fitness instructor insurance provides coverage for things like slip-and-fall accidents, allergic reactions, other client injuries, property damage, and non-physical harm like defamation, false advertising, or copyright infringement.
Some scenarios that personal trainer insurance is designed to cover:
- A client needs stitches after falling during your session
- A client tears a muscle during a virtual personal training session
- Your client drops a weight on another gym patron’s foot during your workout, breaking it
- Your client shatters a mirror after losing their grip during a kettlebell swing
- A local gym accuses you of slander after you made negative comments about them on social media
What You Get With Insurance Canopy
With Canopy you get more gains for less strain with our above-average coverage limits and below-average costs.
Our base fitness instructor policies include:
| General & Professional Liability | $3,000,000 aggregate (per policy period) and $2,000,000 per occurrence (any one claim) |
| Products Completed Operations | $3,000,000 aggregate |
| Personal and Advertising Injury | Included under general liability |
| Damage to Premises Rented To You | $3,000,000 |
| Medical Expense Limit | $5,000 |
We also provide optional add-on coverages so you can further customize your policy to fit your specific needs. Optional coverages include:
- Gear & Equipment Coverage — coverage for the equipment you own and use for your business
- Cyber Liability Coverage — coverage in case of cyberattacks or data breaches
- Diet & Nutrition Coverage — coverage for your nutrition services
- Additional Insureds — gym owners, landlords, or other entities that could be named in a lawsuit along with you and require you to add them to your policy
Plus, you get:
- Highly-rated, affordable liability insurance for $15/month
- Coverage that goes with you wherever you teach, whether that’s in multiple gyms, online, 1:1 in a client’s home, or all the above
- Premiums that won’t go up due to your zip code
- Coverage for a variety of general and niche practices
Visit Insurance Canopy to learn more about liability insurance for personal trainers like you.
“Setting up a partnership with Insurance Canopy has never been easier. Their exceptional insurance coverage and benefits truly empower our members, allowing them to focus on what they do best.”
— Casey McIlvaine, NPTI Senior Vice President
Why Do Personal Trainers Need Liability Insurance?
If you’re a personal trainer, you need to be insured, even if you’re employed by a gym that offers coverage.
According to a 2023 study from the National Library of Medicine, 27% of weightlifters injured their shoulders, knees, and wrists in the past six months. Accidents can and do happen, even in a controlled setting. Just like your car insurance, their policy helps protect you from costly potential claims.
When you choose Personal Training Insurance, you’re not just protecting your business; you’re also building the trust your clients have in you. This trust is essential to building lasting client loyalty. Embrace the peace of mind that comes with knowing you’re protected.
