Personal trainers

Personal trainers2026-08-17T23:31:18-04:00

Recommended Insurance Products for Personal trainers

Professional Liability

Programming errors and improper progression causing injury.

General Liability

Participant injury; facilities require a certificate before you train.

Business Owners Policy

Equipment and business income.

Hired & Non-Owned Auto

Traveling between gyms, homes and outdoor locations.

Cyber Liability

Client health intake and payment data.

Workers’ Compensation

Required once you employ other trainers.

Common questions about Personal trainers

Answering the most frequently asked questions about Personal trainers.

Do I need coverage for online coaching?2026-08-17T23:39:50-04:00

Yes, and confirm territory. Remote clients in other states can raise coverage questions.

Is nutritional advice covered?2026-08-17T23:39:49-04:00

Not always. It can fall outside a training policy, so disclose it if you offer meal guidance.

What do gyms require?2026-08-17T23:39:48-04:00

Proof of liability coverage with the facility named as additional insured, usually one million per occurrence.

Am I covered training clients outdoors or at home?2026-08-17T23:39:48-04:00

Only if the policy contemplates off-site work. Disclose where you actually train.

Do waivers replace insurance?2026-08-17T23:39:47-04:00

No. Waivers are routinely challenged in New York, and they don’t pay defense costs even when upheld.

Is online coaching covered?2026-08-17T23:05:57-04:00

Generally, but confirm territory for clients in other states.

Am I covered training in homes or outdoors?2026-08-17T23:05:56-04:00

Only if disclosed. Off-site training should be listed on the policy.

Is nutritional advice covered?2026-08-17T23:05:56-04:00

Not always. Disclose it, since meal planning can fall outside a training policy.

Do waivers mean I don’t need insurance?2026-08-17T23:05:55-04:00

No. Waivers are routinely challenged and don’t pay defense costs even when they hold.

What do gyms require?2026-08-17T23:05:55-04:00

Proof of liability coverage with the facility named as additional insured, usually one million per occurrence.

Reviews from Semper Insurance clients

110-35 72nd Rd, Forest Hills

5.0 23 reviews

  • Lisa Duffner’s Avatar Lisa Duffner ★★★★★ 9 months ago
    I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget.
  • Justin Wheeler’s Avatar Justin Wheeler ★★★★★ 11 months ago
    We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
  • Grigoriy Priev’s Avatar Grigoriy Priev ★★★★★ 12 months ago
    Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks

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