Personal Trainer and Yoga Instructor Insurance Program

Liability and Abuse Insurance Providing
Protection from Lawsuits of Bodily Injury and/or Property Damage

Who Qualifies for this Program?

  • Certified Personal Trainers
    (Must upload evidence of certification for Accredited Rates)
  • Uncertified Personal Trainers
    (Non-Accredited Rates are higher than Accredited Rates)
  • Yoga Instructors
    (Accredited Rates available with at least 50 hours of yoga instruction experience)

This program provides protection for the Policyholder against claims of bodily injury liability, property damage liability, personal and advertising injury liability and the litigation costs to defend against such claims. Coverage is provided up to $1,000,000 per occurrence. There is no deductible amount. Coverage is offered through the Sports and Recreation Providers Association Purchasing Group.

Coverage Includes Suits Arising Out Of:

  • Injury or death of spectators
  • Injury or death of participants
  • Injury or death of volunteers
  • Property damage liability
  • Incidental medical malpractice
  • All activities necessary to conduct training
  • Ownership use or maintenance of fields or practice areas
  • General negligence claims
  • Cost of investigation and defense of claims, even if groundless
  • Corporal punishment
  • Professional liability (involves specialized education, knowledge, labor, judgement and skill that is predominately mental or intellectual)


The liability premium rates begin at:

  • $1,000,000 Per Occurrence / $1,000,000 General Aggregate: $135.00 (Accredited) or $246.40 (Non-Accredited)
  • $1,000,000 Per Occurrence / $2,000,000 General Aggregate: $137.01 (Accredited) or $249.11 (Non-Accredited)
  • $1,000,000 Per Occurrence / $3,000,000 General Aggregate: $138.64 (Accredited) or $252.07 (Non-Accredited)
  • $1,000,000 Per Occurrence / $4,000,000 General Aggregate: $139.45 (Accredited) or $253.55 (Non-Accredited)
  • $1,000,000 Per Occurrence / $5,000,000 General Aggregate: $140.13 (Accredited) or $254.78 (Non-Accredited)

  • Note: Rates and minimum premium may be higher in certain coverage states.
    Please note that a $15.00 Administrative Fee will be added to all orders. A $10.00 Credit Card Processing Fee will be added to all credit card orders. Credit Card Fee does not apply in FL. Yoga Instructors need 50 hours of instructional experience to qualify for Accredited rates.

The Optional Coverages

Equipment Coverage

This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit.

Hired and Non-Owned Automobile Liability Coverage

This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on personal training business.

Increased Aggregates

This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.

$10,000 Medical Expense Benefit

This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.

Abuse or Molestation

Liability coverage is provided for claims arising out of alleged abuse or molestation as well as alleged physical and non-physical abuse (verbal, mental or emotional abuse).


The general liability coverage is provided by Great American Insurance Company (Admitted) (A+ Superior XV A.M. Best)

This page has been designed to illustrate the highlights of this program but is not a contract. Some exclusions and coverages may be modified to meet individual state requirements. For specific details, please request a sample policy.