This is who I use.
Call and talk to Ken Reinig. He's my agent, and they are EXCELLENT!
I was paying over $14K per year for insurance before I found them and now I pay around $2400. They are much more available, they are much more thorough and comprehensive, and they know this business inside and out. They specialize in our industry.
If you call them, mention that you were sent there by JP Fitness... If my rate is cheaper than normal maybe they will feel obligated to extend the discount to you.
As an individual trainer your insurance will be pretty cheap. I'm paying to insure a whole health club in a premier office building, so I have to be insured for just about anything you can think of.
They will build the right program for you based on your needs. You'll really like them. As hard as it is for me, they are the first agency I have actually liked. I went through about three before them, and I despised them all. They were all out to get all the money and commissions they could out of me. I almost sued one of them. Long story.