Personal Trainer Insurance BC

Customized, low-cost liability insurance for personal trainers across British Columbia

Zensurance - Personal Trainer BC

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Personal Trainer

Insurance for personal trainers in B.C.

For personal trainers across Canada’s westernmost province – in the Lower Mainland, B.C. Interior, on Vancouver Island, or in any of its regional districts – the risk of being liable for injuries or damages to clients under your instruction can threaten your financial wellness and livelihood.

Zensurance is the no. 1 choice for personal trainers in B.C. seeking liability insurance thanks to our comprehensive coverage options, low cost, tailored policies, and world-class customer service. We insure hundreds of B.C.-based personal trainers and fitness instructors to help them safeguard their finances against unexpected loss and damage claims.

Personal Training Liability Insurance FAQs:

Personal training insurance is a policy containing different coverages that offer comprehensive protection from a broad range of liability and damage and loss risks.

It’s essential for protecting a trainer’s financial assets and reputation when unexpected events or accidents occur during training sessions. 

A customized policy from Zensurance gives trainers in B.C. the peace of mind to focus on helping their clients achieve their fitness goals without worrying about potential legal or financial repercussions associated with their services.

A personal training insurance policy may contain the following coverages:

  • Professional Liability Insurance: Also called errors and omissions (E&O) insurance, professional liability insurance protects you from claims of professional negligence, misconduct, giving a customer poor advice that leads to them suffering physical or financial harm and failing to deliver a service as promised. If you’re sued, professional liability insurance is designed to cover your legal expenses, settlements, or judgments against you.
  • Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injuries and third-party property damage claims from customers resulting from your services. For instance, if one of your customers suffers an injury during a training session and requires medical assistance, CGL insurance is designed to cover their medical expenses. If an injured customer decides to take legal action against you, CGL insurance may pay your fees for legal advice and representation.
  • Product Liability Insurance: Often included with CGL insurance or added to a personal training insurance policy, product liability insurance covers your liability for any product you manufacture, distribute, or sell if a customer suffers physical harm or property damage from that product. For example, if you sell nutritional supplements to a customer who has a severe allergic reaction to them, you may be liable for their injuries. Product liability insurance may cover their medical expenses and your legal bill if you’re sued.


  • Commercial Property Insurance: If you own, rent, or lease a commercial space or studio to provide fitness and training sessions, you should include commercial property insurance. It covers business property and office or studio contents for damages or losses from fire, water, natural disasters, vandalism, and theft. For instance, if you have weight-training equipment, nutritional supplements inventory, and electronic equipment in your fitness studio damaged by a fire, commercial property insurance is designed to pay to repair or replace those items and damages to the space caused by the fire up to your coverage limit.

Some commercial insurance policies may include business interruption insurance to cover income losses and business overhead costs following an insurable loss like a fire that forces you to close temporarily for repairs. It can be added to your commercial property policy if it’s not automatically included.

  • Cyber Liability Insurance: Personal trainers usually have websites, use email and social media networks, store customer data digitally, and accept digital payments through a point-of-sale (POS) system. If you’re a victim of a cyber-attack or data breach that results in your computing system being compromised, your website being taken over, and confidential data being stolen, it could devastate your finances. Cyber liability insurance may cover the costs of restoring your software systems, credit monitoring and notification fees, legal advice, and income losses sustained by a systems outage following a cyber incident.

The annual cost of a personal training insurance policy is determined by insurance providers and is based on several factors about your services, including:

  • Your location
  • The types of services you provide and products you sell
  • Your training, certification, and years of experience
  • The value of your commercial property and its contents (if applicable)
  • The number of employees you have (if applicable)
  • Your annual and gross projected revenue
  • Your business insurance claim history

Yes. Most personal training insurance policies cover online training sessions. However, let your Zensurance broker know you deliver virtual fitness classes to ensure your coverage meets your needs.

Yes. A personal training insurance policy from Zensurance covers fitness trainers who teach classes at multiple locations in your province as long as the activities are within the scope of the policy.

Getting insured is quick and easy!

Complete our 5-minute online application for a free personal training insurance BC quote.

Common claims scenarios

A personal trainer working with a client.

Problem: A personal trainer in Pitt Meadows is accused of professional negligence by a customer who alleges they provided incorrect instructions for a particular exercise, which resulted in the customer suffering a back injury.

Outcome: Professional liability insurance may cover your legal expenses to consult a lawyer to defend yourself against the allegation.

Flooding at a gym

Problem: A sewer backs up into a personal trainer’s studio in Kamloops, damaging the space, equipment, and other contents. They are forced to close the studio for repairs and cancel their pre-booked sessions, resulting in a loss of income. 

Outcome: Business interruption insurance may cover their lost earnings from those sessions, and commercial property insurance may pay for repairing the damages to the property and business contents up to the policy’s coverage limit.

closed gym

Problem: While conducting a group fitness class in a rented studio in Campbell River, a personal trainer accidentally drops and damages a piece of expensive equipment owned by the studio.

Outcome: Commercial general liability insurance may pay to repair or replace the studio owner’s damaged equipment.

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Ready to start? Let’s get a quote!

Everyone needs a spotter when weightlifting in case something goes wrong. Let Zensurance spot you so the financial weight of liability and damage claims don’t harm your livelihood and reputation.

Take five and fill out our online application for a free quote.

We’ll shop our partner network of over 50 Canadian insurance providers to get the low-cost protection you need and customize it to suit your services so you can focus on maintaining good form and helping your costumers achieve their fitness goals.