Starting Your Independent PT Business

The complete checklist for launching your personal training business from scratch. No MBA required—just actionable steps to legitimize your operation.

Why Go Independent?

You’ve built the skills. You’ve earned the certifications. But every month, you watch 50-60% of your hard-earned income disappear into the pockets of a commercial gym that provides little more than a crowded floor and a sales manager breathing down your neck.

Going independent means keeping 100% of your session fees. It means setting your own rates, building your own brand, and owning your client relationships. But it also means handling the business side—and that’s where most trainers get stuck.

This guide breaks down exactly what you need to do to launch legally, professionally, and confidently.

The Startup Checklist

1. Get Liability Insurance

This is non-negotiable. A single client injury without coverage could bankrupt you. Look for policies specifically designed for personal trainers—expect to pay $200-400/year for $1-2M in coverage. Popular providers include IDEA, NASM, and Philadelphia Insurance.

2. Form an LLC (Optional but Recommended)

An LLC separates your personal assets from your business liability. In Arizona, filing costs about $50 online through the Arizona Corporation Commission. It’s a one-time protection that adds credibility and protects your home and savings if something goes wrong.

3. Create Your Paperwork

You need at minimum: a liability waiver (protecting you from injury claims), a training agreement (outlining services, payment terms, cancellation policy), and a health questionnaire (PAR-Q). Templates are available online, but consider having an attorney review them.

4. Get a Business Phone Number

Don’t give out your personal cell. Services like Google Voice (free) or OpenPhone ($15/mo) give you a dedicated business line with voicemail, texting, and call forwarding. This keeps your personal life separate and looks professional.

5. Set Up Payment Processing

Square (2.6% + $0.10 per transaction) or Stripe work great for most trainers. Venmo and Zelle are fine for existing clients but look unprofessional for new prospects. Set up recurring payments to guarantee predictable income.

6. Build Your Digital Presence

At minimum: a Google Business Profile (free, essential for local search), an Instagram account (your portfolio), and your Fitness 48 Directory Profile (included with rent). Don’t overthink it—you can upgrade later. Focus on getting found first.

Common Mistakes to Avoid

• Waiting until everything is “perfect” — Start training clients while you finalize logistics
• Underpricing yourself — Research local rates, then price at or above market
• Not having a cancellation policy — 24-hour notice minimum, or they pay
• Mixing personal and business finances — Open a separate business bank account

Your Next Step

The Fitness 48 Business Academy walks you through each of these steps one-on-one. We’ve helped dozens of trainers launch and scale their independent businesses. Ready to stop giving away your income?