We’ve got you covered

Personal trainer man help woman

Need proof of insurance?

Are you an independent contractor and need to show proof of coverage? We give you unlimited certificates of insurance, free of charge. We can get you proof and get you back to work.
Personal trainer class in studio

Give yourself peace of mind

People trip and accidents happen. We can protect you so you can rest easy and get back to the things that really matter.
2 woman on a desk

Simple monthly payments

No need to pay a large sum up front for annual coverage. Balance your budget with simple monthly payments at no extra charge.

Coverage plans


Starting at
$11 per month

$500,000 limit
$0 deductible

Optional $100,000 limit
Nutrition/dietary supplement

$1,000,000 limit
$0 deductible

Optional $250,000 limit
Nutrition/dietary supplement

Pro Plus

Starting at
$16 per month

$2,000,000 limit
$0 deductible

Optional $1,000,000 limit
Nutrition/dietary supplement

All plans include Professional &
General Liability coverage

  • Injury to your client
    Your client tears their ACL during a session, and they sue you for $100,000. We’ll cover it.
  • Unhappy clients
    Your client doesn’t meet their fitness goals and blames you. They sue you for $75,000 for not providing the level of service that is expected of a personal trainer. We’ll cover it.
  • Sexual misconduct
    Your client sues you for touching them inappropriately during a session, even though you absolutely didn’t. As a result, you incur $50,000 in legal costs to defend yourself. We’ll cover it.
  • Harmful dietary advice
    You recommend a protein powder that causes an allergic reaction, and your client spends the night in the ER. They ask you to pay the $3,000 medical bill. If you purchased the optional coverage, we’ll cover it.
This is a brief summary of your policy and does not supersede the policy documents. If you want full details, please call us.

Got questions? We’ve got answers

How do I get a Certificate of Insurance?

We give you unlimited certificates of insurance, free of charge. Once you've purchased a policy, Click Here to input the details of your gym or studio. We'll get you your certificate as soon as your policy is ready, within one business day.

Do I have to pay the entire annual premium now?

No, to make it easier on your budget we allow you to make monthly payments.

Who is Next Insurance?

We're a group of designers, engineers, and insurance geeks based in Palo Alto, California. We want to use our deep industry experience at companies including Intuit, American Express, PayPal, Check, and Oracle to transform insurance for small businesses. We're an insurance agency licensed in all 50 states.

What our customers say about us

personal trainer testimonial picture
Until I discovered Next Insurance, I found that other insurance companies did not understand the concept of an online personal trainer, and if they did, their pricing was too high. Next not only understood my needs, but took care of them at a nice price!

Mitch Lau
Men Aging Well

GoaledMinds testimonial picture
My experience with Next Insurance has been great. I was a new trainer who needed insurance and Saluna took me step by step through the process. Any uncertanties I had were quickly resolved and allowed me to continue making money as a trainer without any delays. Thank you next Insurance and thank you Saluna, I do appreciate you all.

Justin Blackwell
Personal trainer at LAKO in Eagle Rock, CA and founder of Goaled Minds

Let us help protect you.

Get a quote and purchase insurance coverage online within minutes.

Get instant quote

Nesta logo
Welcome NESTA & Spencer Institute Members