The Hartford doesn’t offer athletic trainer liability insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Athletic Trainer Liability Insurance?
Athletic training liability insurance is another name for small business insurance. It’s designed to help protect your business from claims that it caused bodily injury or property damage to someone else. As a small business owner, you’ll likely need other types of business insurance coverages to help protect you from the various risks you face as you care for, coach and rehabilitate athletes. Common types of coverages that may be part of an athletic training insurance package can include:
- Business Owner’s Policy (BOP)
- Workers’ compensation insurance
- Commercial auto insurance
Although The Hartford doesn’t offer liability insurance for athletic trainers, we work with Tivly to help you get the coverage you’re looking for.
Why Might You Need Athletic Trainer Liability Insurance?
Athletic trainer liability insurance is a collection of coverages designed to protect you when things don’t go as planned. We know you aim to run your business perfectly, but accidents can happen.
Athletic trainer liability insurance can help protect you from many potential risks, like:
- Client Injury: A post-op athlete blames your recovery plan for worsening their injury and files a claim against you.
- Property Damage: A dropped weight damages the floor at a rented facility.
- Lawsuits: Parents of a student athlete sue you for negligence after you sent their child back into a game when they had an injury.
In addition to liability insurance, you’ll likely need other types of insurance to help protect you from the unique risks you face during normal operations. Without coverage, you’d have to pay out of pocket for costly claims.
Athletic Trainer Liability Insurance Coverages
When it comes to protecting your athletic training business, you’ll want to ensure you have protection that matches your potential risks. Many athletic trainers start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide. It combines three types of coverages to help protect you from everyday risks:
General liability helps protect you from claims that your athletic training business caused bodily injury or property damage to others. For example, a parent could sue after their child gets hurt in a class, or a delivery driver might slip in your parking lot and file a claim.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, inventory, equipment and supplies you rely on as an athletic trainer. These can include your:
- Tapes and wraps
- First aid supplies
- Foam rollers
- Resistance bands
- Heart rate monitors
Business income insurance helps replace your lost income if you can’t operate because of covered property damage.
It’s important to remember that a BOP won’t cover every kind of claim you could face as an athletic trainer. You’ll need to get other types of insurance to create well-rounded protection, including:
Workers’ compensation insurance to give your employees benefits if they get a work-related injury or illness.
Commercial auto insurance to help protect you and your employees on the road when using company-owned vehicles for business. For example, if you get into an accident while using a company car for work, this coverage can help pay the claims costs.
How Much Does Athletic Trainer Liability Insurance Cost?
Costs of professional liability insurance for an athletic trainer vary because every business has unique risks. Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
Although The Hartford doesn’t offer coverage for athletic trainers, here are the average costs our small business customers pay for common types of coverages, which you can use to help estimate your insurance cost:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month2
To find out your specific athletic trainer liability insurance costs, get a free online quote from Tivly.
General Liability Insurance
“A resistance band snapped during a rehab session, causing a client to fall and irritate an existing injury.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance
“An intern filed a dispute, saying I created a hostile work environment.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Workers’ Compensation Insurance
“One of my athletic trainers was diagnosed with a repetitive stress injury. If he didn’t get it treated, it could’ve turned into carpal tunnel syndrome. He had to go on a lighter schedule.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“A parent sued us, saying the warmup routine I gave her son caused his ACL tear.”
Professional liability insurance helps protect your business from claims that it made an error in the professional services given. It can help pay attorney fees or other court-related costs.
Commercial Property Insurance
“A fire broke out in a storage facility where we keep our extra equipment. It caused a lot of damage, and we had to replace most of it.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Commercial Auto Insurance
“My trainer was using our company van to pick up supplies when she accidentally backed into another car.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get a Quote for Athletic Trainer Insurance Options
You need coverage that won’t crack under pressure. Get a quote for liability insurance through Tivly.
Last Updated: September 25, 2025
2 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
3 Insurance Information Institute, "Facts + Statistics: Product Liability"
4 U.S. Bureau of Labor Statistics, "Employer-Reported Workplace Injuries and Illnesses in 2023"
5 National Fire Protection Association, “Fire Loss in the United States”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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