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Personal Trainer Insurance in Half Moon Bay, CA and San Mateo County

Many professions require specialized forms of insurance, and as a personal trainer, your career comes with a certain degree of professional liability that others may not experience.

Being a personal trainer is a rewarding career, but it can lead to increased insurance risks because there are many ways for your clients to get hurt, and you can't watch everybody at every moment. On any given day, you might have people who push themselves harder than they should, ignore the warning signs that their bodies provide, or refuse to take the advice you’ve given them. Many of these problems aren't your fault, especially if you keep clients informed of best health practices without exceeding the scope of your responsibilities. However, aggressive clients may still sue for negligence if they injure themselves under your supervision.

Personal trainer insurance can act as a buffer between you and the claims that injured parties may make. Weller/O'Brien Insurance Services agents can help you keep important aspects of your career and this coverage in mind when considering insurance as a personal trainer.

Personal Trainer Insurance Coverage Options

There are two major components of personal trainer insurance, both of which are needed for truly comprehensive coverage.

  • Professional Liability Insurance covers lawsuits ranging from injuries caused by improperly maintained equipment to claims of misconduct. For professional trainers, the most common problems stem from interacting with a customer's belongings, or from saying or writing something that a client finds offensive. Be sure to ask an agent about how much liability insurance you're likely to need, since different trainers often need different amounts, depending on their clientele and style of personal training (training for the elderly or high-intensity training, for instance).
  • Miscellaneous Personal Trainer Insurance helps cover claims for bodily injuries that come from either incorrectly providing or failing to provide a promised service. Claims of this type can reach several hundred thousand dollars or more, so it's important to have enough coverage to pay off your claims if you ever end up needing to use this insurance.

Personal Trainer Insurance Requirements

As a personal trainer, you may be asked to provide evidence of certification in your field before a policy will be offered. Experienced trainers—particularly those who have avoided claims in the past—may be eligible for a discounted rate on their policy.

1. "The Role of a Personal Trainer | Resources." Accessed April 11, 2016. https://www.nfpt.com/the-role-of-a-personal-trainer.

2. "Woman Wins $300k Due to Personal Trainer’s Negligence ..." Accessed April 11, 2016. http://blog.lawyer.com/index.php/2012-04-23-woman-wins-300k-due-to-personal-trainers-negligence/.

Our Location

Weller/O'Brien Insurance Services

720 Kelly Avenue
Half Moon Bay, CA 94019
Main office: 650-726-6328

Our Providers

Testimonials

I live in Santa Cruz and work in Half Moon Bay. I decided to go with Weller O'Brien in HMB because it's a smaller town, and I figured they would give me more attention and better service than if I went to someone in Santa Cruz. I wasn't let down. They are always quick to return my calls. I am more then just a policy to them. I've never had an insurance salesman go over a policy like that before. It made me confident that I was with the right group.

Brian S.
Kevin and all of his staff have been great in handling all of my insurance needs for my personal and business operations. Not only is it helpful having them local so I can pop in any time but they also help me understand the different insurance options available to me. Thanks Kevin

Bryan B.
Weller O'Brien Insurance Services in Half Moon Bay, California is wonderful! On my Homeowners Insurance Policy they were able to give me better coverage and save me money. Kevin, Barbara and Adam are always courteous and friendly. If you are in their office or speaking with them on the phone they always make you feel special. I do not hesitate to refer my friends to them..

Teresa A.
Kevin is the best! We have our business insurance with him and we are very happy. His staff is top notch and very helpful. They have a cool new office in downtown HMB, perfect for people that want a face to face in this day in age where so many things are online and impersonal. Thanks for everything Kevin and crew.....we love you.

Mike A.
When looking for homeowners insurance, I checked out several companies. Weller O'Brien by far had the best customer service. Their insurance coverage was comparable to other companies, only much less expensive. Every time I've called I've spoken with Betty, Adam or Kevin directly and all my questions have been answered. They even looked over my auto insurance to make sure that I was fully covered. I would highly recommend them to anyone needing new insurance or wanting to have their current insurance evaluated.

Angela B.