Because ElderFIT trainers work in clients’ homes, not at a fixed studio, your policy must cover off-premises and mobile personal training. Some lower-cost general small-business liability policies are designed primarily for fixed gym or studio locations and may exclude or limit coverage for training in clients’ homes.
The providers below offer coverage for mobile/in-home personal training, but we recommend confirming that off-premises training is explicitly covered when purchasing your policy.
ElderFIT requires all trainers to maintain active personal trainer liability insurance before attending an in-home session.
| Insurance Provider |
Estimated Cost |
Coverage & Key Details |
|
Insure Fitness Group
|
~$15.75/mo ($189/yr flat) |
Bundles general + professional liability, covers 500+ activity types, explicitly covers mobile/in-home and virtual training. |
|
Insurance Canopy
|
~$13–15/mo (from $159/yr) |
Well-known fitness-specific insurer with more à la carte customization than Insure Fitness Group. |
|
NEXT Insurance
|
From ~$12.50/mo |
Base plans may start at lower per-occurrence limits ($500K), so trainers need to select the $1M tier specifically. Fully digital with instant certificate of insurance. |
|
NACAMS
|
~$14.92/mo ($179/yr) |
Explicitly markets coverage that follows trainers from the gym or studio to a client's house. A good fit for in-home training. |
|
GEICO Wellness & Fitness
|
From ~$14/mo ($169/yr) |
Underwritten via Berxi/Philadelphia Insurance. Limits scale from $500K up to $2M per claim. Confirm the $1M tier at quote time. |
|
Philadelphia Insurance Companies (PHLY)
|
Quote-based |
Larger commercial insurer that also covers virtual/online training. Typically better suited to trainers wanting a broker-quoted, more customized policy rather than instant-buy coverage. |