Built for small group personal training. Priced like it. From $24/mo for the Gym Liability bundle. Property and workers' comp slot in as add-ons.
Personal training studio insurance is a single policy that covers the studio as a business entity, the trainers you employ, the clients in every session, and the equipment in your space. Coverage starts at $24 a month and bundles general liability, professional liability, and business personal property. Workers' compensation is available as an add-on for studios with W-2 trainers.
A studio policy should know the difference between three clients with one coach and twenty on the mat. Ours does.
Two ways studios get the wrong policy. The first: starting with a solo-trainer policy, which covers the trainer who buys it but doesn't extend to the studio entity, employed trainers, or the lease. The second: getting a fitness-aware quote that prices the studio like a BJJ gym with a full class of grapplers or a high-volume reformer pilates studio, when reality is two to six clients with one coach. The risk profile is closer to one-on-one personal training. The rate should be too.
A personal training studio policy covers the studio as the named insured, the trainers you employ as W-2 staff, the clients in every session, and the equipment in your space. One policy.
Covers third-party injuries and property damage on your premises. A client slips during a kettlebell circuit your trainer cued and is injured. Standard limits are $1 million per occurrence and $3 million aggregate, the level most landlords ask for in a lease.
Learn more →Covers claims that your trainers' instruction caused harm. A client tears their rotator cuff during a deadlift your trainer cued. Nutrition guidance given as part of training is included. Standard PL is $1 million per claim.
Learn more →Covers your equipment, computer, sound system, and anything you bought to fit out the studio. If a pipe bursts and ruins three sets of dumbbells, BPP makes you whole. Standard limit $25,000, raise to match what you have invested.
Learn more →If you have trainers on a W-2, workers' compensation is required by law in most states. Covers their medical bills and lost wages if they are hurt on the job. Add to your studio policy in one step.
Learn more →A studio runs on recurring client packages. If a burst pipe or fire shuts the space for weeks, that income stops but rent and payroll don't. Business income covers the gap while you rebuild, bundled into the studio policy with your liability and property.
These are the kinds of situations a studio policy needs to handle. A solo-trainer policy bought for $11 a month does not. A generic small-business policy quoted at $1,200 to $2,500 a year often misprices them.
Most operators starting out buy a solo-trainer policy from NEXT Insurance or a certification's affiliate channel. That works until you sign a lease or hire your first trainer.
| Coverage area | Solo-trainer policy | Studio policy |
|---|---|---|
| The trainer who buys it | ✓ | ✓ |
| Other employed trainers in your studio | ✗ | ✓ |
| The studio as a business entity | ✗ | ✓ |
| Leased space and equipment | Limited or none | ✓ |
| Workers' comp for employed trainers | ✗ | Available as add-on |
| Landlord-required additional insured | Often capped | Standard |
If you are still solo, contracting at one gym, with no employees and no lease in your name, a solo policy is the right answer. If you have any of those pieces (lease, employees, multiple clients per session), you have outgrown the solo product.
The base personal training studio bundle is $24 a month: general liability, professional liability, and a baseline of business personal property. Workers' compensation and higher property limits slot in as add-ons.
Most personal training studios we insure pay about $136 a month, roughly $1,600 a year, with most landing between $1,200 and $1,900. A generic small-business carrier writing the same studio without fitness-specific underwriting usually quotes higher, because it prices the studio against the wrong reference class. A studio with three clients and one coach is closer to a one-on-one personal training operation than to a BJJ gym with a full class of grapplers or a high-volume reformer pilates studio. We price it that way.
More on what affects pricing across the fitness segment: How Much Does Gym Insurance Cost.
Typical premium is about $136/mo (~$1,600/yr) across the personal-training studios we insure, with most between $1,200 and $1,900 (a small sample, so treat it as a guide). Coverage starts at $24/mo. See full pricing details.
We're gym owners. We needed insurance that priced our studios like studios, not like the highest-risk format on the block. Nobody was selling it, so we built it.
PushPress has been in fitness for 20+ years, with data from thousands of gyms on the platform. We built the insurance product on top of that. No broker fees stacked on top.
A-rated. Backed by giants. The policy is underwritten by A-rated carriers (Everspan, Starr Indemnity) and reinsured by global names you'd recognize. Available in the 48 contiguous states.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.