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Personal Trainer Insurance

Many professions require specialized forms of insurance, and as a personal trainer, your career comes with a certain degree of professional liability that others may not experience.

Being a personal trainer is a rewarding career, but it can lead to increased insurance risks because there are many ways for your clients to get hurt, and you can't watch everybody at every moment. On any given day, you might have people who push themselves harder than they should, ignore the warning signs that their bodies provide, or refuse to take the advice you’ve given them. Many of these problems aren't your fault, especially if you keep clients informed of best health practices without exceeding the scope of your responsibilities. However, aggressive clients may still sue for negligence if they injure themselves under your supervision.

Personal trainer insurance can act as a buffer between you and the claims that injured parties may make. Fitts Agency, Inc. agents can help you keep important aspects of your career and this coverage in mind when considering insurance as a personal trainer.

Personal Trainer Insurance Coverage Options

There are two major components of personal trainer insurance, both of which are needed for truly comprehensive coverage.

  • Professional Liability Insurance covers lawsuits ranging from injuries caused by improperly maintained equipment to claims of misconduct. For professional trainers, the most common problems stem from interacting with a customer's belongings, or from saying or writing something that a client finds offensive. Be sure to ask an agent about how much liability insurance you're likely to need, since different trainers often need different amounts, depending on their clientele and style of personal training (training for the elderly or high-intensity training, for instance).
  • Miscellaneous Personal Trainer Insurance helps cover claims for bodily injuries that come from either incorrectly providing or failing to provide a promised service. Claims of this type can reach several hundred thousand dollars or more, so it's important to have enough coverage to pay off your claims if you ever end up needing to use this insurance.

Personal Trainer Insurance Requirements

As a personal trainer, you may be asked to provide evidence of certification in your field before a policy will be offered. Experienced trainers—particularly those who have avoided claims in the past—may be eligible for a discounted rate on their policy.

1. "The Role of a Personal Trainer | Resources." Accessed April 11, 2016. https://www.nfpt.com/the-role-of-a-personal-trainer.

2. "Woman Wins $300k Due to Personal Trainer’s Negligence ..." Accessed April 11, 2016. http://blog.lawyer.com/index.php/2012-04-23-woman-wins-300k-due-to-personal-trainers-negligence/.

Our Locations

Fitts Agency, Inc.

1806 6th Street
Tuscaloosa, AL 35401
Main office: 205-881-2556
Fax: 205-342-3467

Merchants & Farmers

301 Prairie Ave
Eutaw, AL 35462
Main office: 205-686-6279
Fax: 205-372-0852

Our Providers

Testimonials

The Fitts Agency, Inc. has been taking care of my personal and professional insurance needs for over 25 years. They have done an exceptional job to insure we are properly covered with all aspects of our complicated business insurance needs including property, automobile and equipment, bonding, life insurance, liability and specialty insurance. Their professional service follows through the claim process as well, demonstrated by the spring 2011 Tuscaloosa tornadoes and the damage we received from same. With their extensive help, excellent support staff and prompt response, we were able to get back in business with minimal wasted time. I highly recommend the Fitts Agency, Inc. for your insurance needs.

Thomas D. Jamison - President, J & P Construction Co., Inc.
We are writing this letter to document the performance of the Fitts Agency, Inc. Fitts Agency has been very instrumental in providing for all our business insurance needs. Since 2007, they have seen to our General Liability, Workman's compensation, Auto, Builder's Risk, Professional Liability and Umbrella policies. Their service is excellent; quick and accurate, and always with a friendly, helpful attitude.

Christopher L. Swain - VP Operations, Monumental Contracting Service, LLC
It's so refreshing to have an insurance agency that actually cares about their clients. I was with a "national brand" company for many years and never knew that I could have other great choices for my home and automobile insurance. These folks are great and I would recommend them to anyone wanting great rates and service.

Maggie Miller - Tuscaloosa, AL
Before the sun set on April 27 (after the devastating tornado), Forrest Fitts had a team on our roof surveying the damage. Two days later the debris was completely gone, the sheet rock was replaced - even the landscaping was repaired.

Mark and Liz Obradovich - Owners of Tuscaloosa Holiday Inn Express & Suites
When the April 27th tornado struck my business, the Fitts Agency made sure we were covered. Thank you Tim Donahue and your top-notch staff for doing just that. I could not think of a better team than the Fitts Agency, Watkins Construction Co., Inc. and FCCI Insurance to assist Spiller Furniture with disaster recovery.

Shane Spiller
We favor the Fitts Agency and any of their competitors would truly have an uphill battle to overcome prior to us ever making any notable changes. Specifically to the fact that although we will price multiple sources, we have learned that Tim and his team have been the most helpful and in the long run, equally competitive with anyone we have considered in the past 25+ years.

Mark Rettig - Vice President, AHR Metals, Inc.
Nobody could have taken care of me better than the Fitts Agency after the storm. I've been with the Fitts Agency for over twenty years - home, autos, and my business before I retired. I would never go anywhere else for my insurance.

Ernest Woodruff - Tuscaloosa, AL