Are these personal fitness trainers insured? I want to be sure that if something happens, they will be able to repay me the damages, and I will not have to ruin their lives by using them. Suppose something happens to me during their classes, and they are liable for that. In that case, I will just get paid by their insurance company to cover medical bills and other expenses. That’s why I always check whether the trainer has professional trainer insurance from workouts.org because it brings me peace of mind. I can be sure I will get paid in case of an incident because it’s much easier to deal with an insurance company than with court.