3 Reasons Trainers Need Online Coverage

Online training has moved from a taboo practice to an everyday norm, but are you covered in the case of an accident?

1. Liabilities still exist online

Even when training online, liabilities still exist in many forms. Claims may arise from either pre-recorded or live sessions asserting that your training regimen caused an injury or damage of some kind.

2. credibility

Having insurance coverage for online training will set you apart from the other trainers out there by showing you take your work seriously and are prepared.

3. Peace of mind

Our occurrence-form coverage protects you even after your policy has expired*, so you can pour your energy into building your business and not worrying about the what-ifs. 

Get insurance made just for today's digital fitness pros.

Insure Fitness Group knows that today’s fitness environment requires personal trainers to be both flexible and also accessible to clients. We’ve developed an online fitness instructor insurance program that provides the coverage you need to confidently offer training sessions online.

Whether your virtual personal training career is performed as an employee within a national chain gym, as a sole proprietor, or as a freelance personal trainer working as needed, this coverage will follow you through every exercise, every session, and every client dream realized.

New to fitness insurance? Check out the personal trainer insurance liability guide we developed for help understanding what to look for in a quality insurance program.

Complete COVERAGE,

 no hidden fees,

as low as $17 per MOnth.

Online trainer policy highlights

  • Instant Coverage.
  • Immediate Certificate. 
  • Professional liability coverage.
  • Coverage for 100+ work-out routines, group fitness programs, and more.
  • Approval for coverage in less than 5 minutes.
  • Mobile coverage, following you in the gym, on-site, wherever you teach.
  • General liability coverage.
  • Stolen equipment coverage.
  • Identity theft protection.

A-rated coverage with no hidden fees! Pay monthly or annually and get signed up in minutes.

To create the best insurance program for online personal trainers, we included generous coverage limits and made sure the plan stayed affordable. Highlights of our tailored virtual fitness instructor insurance plan includes: 

  • General and Professional Liability Insurance: up to $1 million for each claim occurrence and then $3 million in total for all claims throughout the year. 
  • Instant Insurance Coverage Online: fill out a quick member application, check out, and that’s it - you’re immediately covered and can pull up your proof of insurance in less than 5 minutes. 
  • Fully Portable Insurance: take your insurance plan wherever your online fitness classes take you. Whether you're live streaming or pre-recording sessions  within the United States, and as long as the sessions aren't publicly available, IFG is there to protect your career.  
  • Additional Protections Included: smart protection like product liability, stolen equipment, rental damage, and an identity protection plan round out one of the most complete insurance programs available.
  • Member-Only Benefits: get instant access to the Insurance Plus marketplace where you can obtain Dental/Vision add-on insurance, ACA-qualified Health insurance and Telehealth plans starting at a $10 copay. 


You'll receive instant coverage and a proof of insurance certificate via email immediately upon checkout.


Professional + General Liability: $1 million per occurrence, $3 million per year Product Liability: $1 million per occurrence

Flexible Payments 

We've teamed up with PayPal credit to make it easy for you to pay for your policy the way you need.  


You get identity protection, $1,000 of stolen equipment coverage, and fitness-related product discounts.

Get Covered Right Now

Getting online personal trainer insurance through IFG only takes a few minutes. As soon as you check out, you’ll have access to your full member profile.
  • Encompassing Insurance Coverage:  we cover you with insurance made just for online personal trainers. This means you get the coverage most appropriate for your industry which means being better protected.
  • Flexible Payment Plans: teaming up with PayPal Credit, you can now finance your annual membership into easier to manage monthly payment amounts. Depending on your credit, you can pay as little as $17 a month.
  • Members-Only Benefits Program: make the most of your membership with great discounts from the best names in health and fitness, in addition to access to the Insurance Plus marketplace where you can obtain Health, Vision and Dental coverage at group rates. We value our personal trainers and fitness instructors, and are constantly adding new benefits to add value to your membership.
  • Fitness Routines and Programs Covered by Online Fitness Instructor Insurance: IFG offers some of the very best diversities of different health and fitness programs covered under our online fitness instructor insurance program. With great coverage choices, you have the freedom to choose the best combination of live, online sessions to meet your clients’ needs.

personal trainer liability insurance

Just a few of our many covered fitness programs include:

  • One-on-one personal training sessions
  • Group fitness instruction 
  • Live aerobics, HIIT, spinning and more!

Contact Us

We know online personal training insurance can be a little confusing so have fully licensed agents available now to help walk you through the entire policy and answer any questions you may have. Contact us however is most convenient - you can call, email, or fill out our contact form.

➛ Call: 855-845-6008
➛ Email: info@insurefitness.com
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