Types of Liability Claims Covered with Personal Trainer Insurance
October 20, 2023
$189 /YEAR
Last year, Insure Fitness Group safeguarded over 200,00 fitness professionals like you nationwide. Get HIIT instructor liability insurance, including professional liability, general liability, and identity theft protection, for just $189/year.
No Hassle. No Quotes. Immediate insurance coverage.
500+ Techniques Covered | Includes Online & In-Gym Training | Liability insurance coverage in all 50 States
Every Insure Fitness policy includes comprehensive professional and general liability insurance, identity theft protection, and industry-backed protections specifically designed for certified HIIT instructors, personal trainers, and group fitness professionals.
Superior protection that covers you even after your policy expires
No quotes, no waiting periods - coverage starts immediately
Protected at gyms, studios, outdoor boot camps, client homes, and virtual HIIT sessions
Download instantly and add additional insureds.
One-Year Full Liability Insurance Coverage
Complete insurance coverage for injuries or damages that occur during HIIT classes, small group training, or one-on-one coaching. Includes $1 million per occurrence and $3 million aggregate coverage for maximum protection against liability claims.
Protects your HIIT instruction business if you're accused of slander, libel, copyright infringement, or invasion of privacy in your marketing materials, social media posts, or client communications.
Get up to $25,000 per year in coverage if your personal identity is stolen and used fraudulently.
Superior protection that covers you even after your policy expires for incidents that happened during your coverage period.
From HIIT and strength training to virtual classes and wellness coaching—all covered under one comprehensive policy.
Protected whether you lead HIIT sessions in gyms, outdoor parks, community centers, or online platforms.
Download your certificate immediately after purchase and add additional insureds.
Save money on HIIT instructor continuing education courses and certifications through our partner programs.
Skip the hassle of quotes and underwriting. Get instant coverage with immediate policy activation.
Our HIIT instructor insurance covers over 500 fitness activities and training methods, including high-intensity interval training, making it the most comprehensive liability insurance coverage in the industry.
Compare our affordable HIIT instructor insurance rates with other providers and see why thousands of fitness professionals choose us.
| Insurance Provider | Annual Cost | Monthly Cost | Your Savings |
|---|---|---|---|
| Insure Fitness Group | $189 | $15.75 | - |
| Hiscox Insurance | $270 | $22.50 | Save $81 |
| NEXT Insurance | $269 | $22.42 | Save $80 |
| K&K Insurance | $209 | $17.42 | Save $20 |
In 2024, Insure Fitness Group backed over 200,000 fitness professionals. Why's that important? Because the average liability claim in the fitness industry costs around $25,000. For just $189/year, get comprehensive HIIT instructor insurance—including $1 million/$3 million liability coverage, $25,000 identity theft protection, and occurrence form coverage—so you're protected if the unexpected happens during your HIIT classes.
Trusted & Accredited by the BBB
Insure Fitness Group is proud to hold an A+ accreditation from the Better Business Bureau—a reflection of our deep commitment to trust and putting our customers first.
Backed by Industry Leader Arthur J. Gallagher
Rest assured—your career is in good hands with Insure Fitness Group. We’re A-Rated (Superior) and proudly backed by Arthur J. Gallagher.
A-Rated (Superior) by AM Best
Insure Fitness Group’s insurance partner holds an A-Rating from AM Best—an industry-leading credit rating agency since 1899. This rating reflects strong financial stability and a proven ability to meet policyholder obligations.
Insure Fitness Group stands out from other insurance providers because we offer not only one of the most affordable options, but also provide occurrence form coverage. This is a type of coverage that covers claims related to incidents that happened during your policy period, even if your policy has expired.
Wouldn’t knowing that you’re protected—even if you no longer have an active policy with us—provide you with the ultimate peace of mind
There are two primary types of liability insurance: professional and general liability insurance. They are both necessary for every fitness professional.
General liability insurance: Commonly known as a "slip and fall" insurance policy, general liability insurance covers injuries that occur on your premises that are not directly related to your professional services. For instance, if a client trips and breaks their ankle on an uneven surface in your gym, this type of insurance would protect you from the resulting claims.
Professional liability insurance: Also known as malpractice insurance, professional liability insurance protects you against claims arising from actual or alleged professional negligence. For example, if a client rolls their ankle during a high-impact interval or suffers an injury from improper instruction during a HIIT circuit, this coverage would protect you.
These coverages protect professionals from liability for non-physical injuries or damages resulting from actions like defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing. This is an additional coverage type that is included in an IFG policy.
Identity theft is an increasing threat. Identity Theft Protection assists in covering the expenses related to recovering your identity should it be compromised, ensuring your personal and professional identities are secure. This is an additional coverage type that is included in an IFG policy.
*MM = Million
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Not all HIIT insurance is created equal. See how Insure Fitness Group stacks up against top competitors based on price, coverage, and the benefits included with every policy.
| IFG | Hiscox | Insurance Canopy | K&K Insurance | NEXT Insurance | |
|---|---|---|---|---|---|
| Professional Liability (Malpractice) | $1MM/$3MM | Varies by state | $2MM/$3MM | $1MM | Varies by state |
| General Liability (Slip & Fall) | $1MM/$3MM | Varies by state | $2MM/$3MM | $1MM | Varies by state |
| Occurrence-Form Coverage | |||||
| Identity Protection Plan | |||||
| Immediate Coverage | |||||
| Access to Health, Vision & Dental Insurance | |||||
| Student Coverage Available | |||||
| Covers All 50 States | |||||
| Member Benefits Included | |||||
| Price | $189/YEARBUY POLICY | $270/YEAR (Starting Price) | $189.75/YEAR (Monthly Price) | $209/YEAR (Starting Price) | $269/YEAR (Starting Price) |
Still looking at options? See how our HIIT trainer insurance compares →
Our HIIT instructor insurance covers a multitude of exercise programs, along with hundreds of other wellness practices like massage therapy and cosmetology.
Even if you work in a gym that offers coverage, you still need your own HIIT instructor liability insurance. Gym policies often don’t cover personal legal claims, especially if you also train clients online, in their homes, or at your own studio.
A 2023 study from Massachusetts General Hospital found that 46.5% of HIIT participants experienced an injury, with the shoulders, low back, and knees being the most affected areas. That’s about 3.3 injuries for every 1,000 training hours, even when the workouts were done under proper supervision.
Accidents happen, even when you’re doing everything right. And when they do, legal fees, medical expenses, and client claims can hit hard if you’re not covered.
When you choose Insure Fitness Group, you’re not just protecting your fitness career; you’re showing your clients you’re serious about their safety. That trust builds loyalty, referrals, and a solid professional reputation in the health and fitness industry.
With our professional liability insurance, you’re covered whether you’re leading a bootcamp in the park, coaching over Zoom, or meeting clients in person. You focus on their fitness goals, we’ll protect your career.
If you’re training to become a HIIT instructor or fitness professional, you don’t have to wait to get protected. Our student fitness trainer insurance offers affordable, comprehensive coverage designed just for aspiring trainers. Stay protected while you learn—because accidents don’t wait for certifications.
Yes. Even if you’re covered under your gym’s insurance, it often won’t fully protect you in the event of a client’s injury or a personal legal claim. Having your own professional liability insurance coverage is an essential safeguard, especially for high-impact formats like HIIT.
The answer depends on your work setting and exposure to potential risks. Most instructors choose policies with $1 million per claim / $3 million annual limits, which is what Insure Fitness Group offers.
Yes. If you’re offering online coaching, your policy should follow you wherever you train, virtually or in person. A good insurance company will provide insurance solutions that fit your hybrid or mobile sessions.
Absolutely. Whether you’re a yoga instructor, HIIT coach, or both, our policies include more than 500 modalities!
Yes, if you’re acting within your scope and training safely. But if a client pushes too far and gets hurt, having the right coverage helps protect you from the financial burden of claims and legal action.
Our experienced team understands the unique risks of the health and fitness industry, especially for high-intensity formats like HIIT. We have affordable insurance costs, coverage limits that make sense, and personal training protection built by fitness pros, for fitness pros.