How much does Personal Trainer insurance cost in Baltimore, Maryland?

The estimated annual cost for a Personal Trainer in Baltimore with one employee is between $991 and $1458. The state base rate is $1000.

What insurance is required for a Personal Trainer in Maryland?

In Maryland, businesses are subject to a 6.0% insurance tax. Personal Trainers typically need General Liability due to a risk factor of 1.1.

Personal Trainer Insurance Cost in Baltimore, Maryland (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$991-$1458

Estimated Annual Premium

Monthly Average Breakdown

$97 / mo

Includes General Liability

Industry Risk Profile

Personal trainers face liability if a client gets injured under their instruction, requiring professional liability coverage.

Risk Factor1.1x

Location Factors

State Base Rate$1000
Baltimore Multiplier1x
State Tax Rate6.0%

Local Compliance FAQ

Is General Liability required in Baltimore?

While Maryland law may not mandate it for all businesses, Personal Trainers often need proof of insurance to bid on local commercial projects in Baltimore.

Why is the rate different here?

Your premium reflects Maryland's specific base rate of $1000 and a local city multiplier of 1x.

Compare Personal Trainer Insurance in Other Maryland Cities

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How much does Personal Trainer Insurance cost in Baltimore?