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If you change jobs, move to a new state, teach various disciplines, or alternate between online and in-person training, your coverage will remain intact.
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Insure Fitness Group keeps insurance simple, affordable, and dependable by offering A+ rated occurrence-form coverage at one low rate with no hidden fees. Both the professional and student policies include:
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Personal Trainer & Fitness Insurance FAQs
Yes. Fitness instructor insurance is an important component of your business and is designed to protect your financial assets and your future career if you were to be sued as a result of your training and business practices. You could be held liable for claims that include injuries, illnesses, or damages arising from your personal training or fitness services. The legal costs alone from claims like these can be financially devastating. With fitness instructor insurance, you’ll have the protection you need to train, teach, and excel in your career with the peace of mind that your future is secure.
Personal trainer insurance needs to provide adequate coverage first for the three largest areas of liability present in this industry - general liability, professional liability, and product liability. Insure Fitness Group provides all the way up to $1 million for each occurrence for all three liabilities and $3 million in individual annual aggregates for general and professional liability. But the best personal trainer insurance isn’t going to stop with the bare minimum. Today’s fitness pros need more. Additional protections like an identity protection plan, rental damage coverage, and stolen equipment coverage are all included to provide a full 360 degrees of protection so you can pour all of yourself into motivating your clients across the finish line.
Personal trainer insurance needs to provide adequate coverage first for the three largest areas of liability present in this industry - general liability, professional liability, and product liability.
Absolutely. Professional liability coverage is a must with personal trainer insurance because of the type of work being performed in fitness in general. Professional liability insurance is often referred to as either “malpractice insurance” or “error and omissions insurance”. Either term provides a clue as to the type of coverage professional liability insurance provides. This coverage applies to the actual services you provide everyday for clients. If a client is injured or has their property damaged during a session with you, they may decide to file a lawsuit to get compensated. That’s where the professional liability insurance portion of your policy with Insure Fitness Group can really save the day.
Maybe you were having a client do a heavy set of front squats when their knee popped and they hit the ground hard. They hold you responsible for their ensuing knee surgery and all the rehab they need. A major benefit of our professional liability insurance is that it provides assistance both for the costs of the claim and for any legal defense fees that are necessary.
General liability insurance is probably something you’ve heard referred to as “slip and fall coverage”. It’s called that because slips, trips, and falls are unfortunately an all too common occurrence for professionals. General liability insurance for trainers and other fitness pros is important because it provides a broad suite of protection for various types of accidents. Slips and falls may be more common but accidents come in all shapes and sizes. Having general liability insurance means you’ll be covered if someone is injured or has their property damaged simply as a result of day-to-day business activities.
As an example of general liability insurance coverage, it could be as simple as using a wax on the floor in the lobby that you forget to designate as slippery. A client coming in for their session slips and breaks their hip. They now hold you responsible for their mountain of medical bills, lost wages, and other costs out of your failure to warn them of the dangerous condition.
Product liability insurance is included with our fitness insurance plan because this coverage provides protection against accidents involving the many different machines and devices that get used everyday in your sessions. Since you direct your client throughout the session, having them hop on a piece of machinery that then causes their injury is something that could potentially bring about a product liability lawsuit. With IFG, you don’t have to sweat it because you’ll be protected all the way up to $2 million when something happens out of the blue involving a fitness product you have your clients use.