Personal Trainers

Overview of the Program from Sports & Fitness Insurance Corp.

Sports & Fitness Insurance Corp. offers a focused Personal Trainers program underwritten through multiple carrier partners. The program is structured for agents placing small to mid-sized independent personal trainers and fitness professionals who need liability protection across training locations and delivery methods. As a managing general agency, Sports & Fitness Insurance Corp. provides tailored submission guidance, quick appetite answers, and access to carriers that understand fitness industry exposures.

Ideal Accounts and Appetite

• Independent personal trainers and fitness coaches who work as contractors for gyms, studios, corporate wellness programs, or individual clients.
• Trainers who split time among facilities, provide in-home sessions, or deliver virtual coaching and remote training programs.
• Small training businesses and sole practitioners with standard revenue and no history of serious professional liability claims.

Less likely to fit: trainers with high-risk specialties (e.g., extreme sports coaching), large commercial training centers with on-site employees, accounts with multiple prior professional liability claims, or businesses requiring unique property coverages.

Coverage Highlights and Advantages

• Combined general liability and professional liability available to address bodily injury, property damage, and alleged negligence in training programs.
• Sexual abuse and molestation coverage available — important where personal contact and one-on-one sessions are common.
• Competitive entry pricing with premiums starting at the program minimum; multiple carrier options to help place marginal risks.
• Underwriting support from an MGA experienced in fitness industry risks and able to guide on endorsements, limits, and certificates for facilities and clients.

Underwriting Notes and Minimum Premiums

Typical submissions should include a completed application, prior carrier loss runs (if any), and a brief description of services, session locations, and any specialties. The program’s minimum premium starts at $160. Underwriters will review class of business, revenue, claims history, and whether work includes unsupervised minors or high-risk training activities. Certificates for facility partners and additional insured endorsements are commonly available.

Territories and Availability

This program is available nationwide, including all U.S. states and the District of Columbia. Agents should confirm specific carrier availability and admitted vs. non-admitted options at placement.

Why Work with Sports & Fitness Insurance Corp. on Personal Trainer Accounts

• Fitness industry focus — the MGA understands day-to-day exposures for trainers and can match each account to an appropriate carrier.
• Access to various carrier partners increases placement options for standard and borderline risks.
• Straightforward minimum premium level makes it easy to quote and place small accounts.
• Practical underwriting guidance and prompt appetite feedback help speed bind times and reduce back-and-forth on submissions.

Example Scenarios

You might place a solo personal trainer who conducts sessions at two local gyms and offers weekly in-home sessions — general and professional liability with sexual abuse/molestation limits would be a good fit. Or you may place a trainer who delivers virtual coaching plus occasional outdoor group bootcamps; the program can provide the professional liability and general liability backbone those services need.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.