Sports, Fitness & Recreation

Personal Trainer Insurance in Ontario

Program design is professional advice. Insure it that way.

Personal training pairs physical supervision with professional judgment: an injury during a session is liability; a program that aggravates a condition is E&O. Trainers need both, in gyms, homes, and online.

We insure trainers with combined liability and E&O, priced for independents.

What the package includes

Commercial general liability (CGL) for third-party injury and property damage
Professional liability (E&O) for claims arising from your advice or service
Coverage for gym, in-home, outdoor, and online training
Abuse and molestation coverage where working with vulnerable people

Good to know

Frequently asked questions

Does my insurance cover online coaching clients?: Yes, when declared — remote programming is E&O exposure more than premises liability, and policies now extend to it as standard. Screen your intake forms as carefully online as in person.
How much does personal trainer insurance cost in Ontario?: Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.
How do I get personal trainer insurance quotes?: Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.

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Packages for other industries

Automotive Business & Professional Services Construction & Contractors Education & Organizations Hospitality & Lodging Manufacturing & Wholesaling Realty Retail Warehousing Transportation & Logistics

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Frequently asked questions

Does my insurance cover online coaching clients?

Yes, when declared — remote programming is E&O exposure more than premises liability, and policies now extend to it as standard. Screen your intake forms as carefully online as in person.

How much does personal trainer insurance cost in Ontario?

Premiums depend on your revenue, team size, services, and claims history — many small operations pay a few hundred dollars a year for core liability coverage. As an independent brokerage we compare our full panel of insurers for the exact mix of coverage your business needs, so you only pay for protection that fits.

How do I get personal trainer insurance quotes?

Request a quote online in about two minutes, or call us. Tell us what your business does and we'll shop the market — you'll get one advisor, the best available rate, and a certificate of insurance as soon as you're bound.