Types of Liability Claims Covered with Personal Trainer Insurance
October 20, 2023
$189 /YEAR
Liability coverage for independent fitness instructors, including professionals looking for group fitness instructor insurance.
Purchase online and get professional and general liability coverage for 500+ approved fitness activities, with coverage that can apply across approved work settings for in-person and online instruction.
One Year Policy
From $189/year
Coverage for covered claims arising from your fitness instruction or other liability incidents related to your work.
Protection to help with covered identity-theft-related losses.
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.
Fitness instructor insurance is designed for independent professionals working across a variety of fitness specialties. Eligible instructors may include those specializing in:
Your coverage isn’t tied to just one work location, giving you flexibility as your clients and training schedule take you to different approved settings.
Teaching a group fitness class is different from working one-on-one with a client. When you’re responsible for an entire class, your attention is divided among participants who may have different experience levels, abilities, and needs. You can provide instruction and corrections, but you can’t watch every participant through every movement.
That’s why carrying your own group fitness instructor insurance can be important. Professional and general liability coverage can help protect you from covered claims related to the instruction you provide or other incidents connected with your work.
Whether you teach strength, cardio, dance-based, aquatic, or other group classes, IFG coverage is designed to protect you as the individual fitness professional while you teach.
Independent fitness instructors often teach in more than one place. Your coverage is not necessarily tied to a single gym or studio and can apply across approved work settings as your schedule and clients change.
Coverage may apply while you provide approved fitness services in settings such as:
This portability can be especially useful for fitness instructors who teach classes at multiple facilities, work with private clients, or combine in-person and online instruction.
Some gyms, studios, and other facilities may ask independent fitness instructors to add the business as an additional insured before allowing them to teach there. This gives the facility certain protections under your liability policy for covered claims related to your work.
IFG offers additional insured options so you can meet those requirements when needed. This can be especially useful if you teach at multiple facilities or work with organizations that require proof of coverage before you begin.
If a gym or studio asks to be added to your policy, make sure you have the correct business name and information before requesting the additional insured.
Coverage is written on an occurrence form, helping protect you for covered incidents that happen while your policy is active, even if a claim is made later.
Purchase coverage online in minutes and get proof of insurance quickly, so you can provide documentation when you need it.
Work across more than one approved fitness discipline? IFG coverage can support fitness professionals who practice multiple covered activities under one policy.
Policyholders can access discounted continuing education opportunities and other member benefits available through Insure Fitness Group.
See how Insure Fitness Group stacks up against top competitors based on pricing, coverage, and included benefits.
| 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/YEAR | $270/YEAR (Starting Price) | $189.75/YEAR (Starting Price) | $209/YEAR (Starting Price) | $269/YEAR (Starting Price) |
The data presented in the Insurance Comparison Chart reflects information gathered from publicly available insurance product specifications available on each company’s website as of February 2026. The companies referred to have not authorized or endorsed the information or use of their names in this comparative advertising.
Still looking at options? See how our personal trainer insurance compares →
Not necessarily. A gym or studio may carry its own insurance, but that does not always mean an independent instructor is covered in the same way. Fitness instructors working independently may choose or be required to carry their own liability insurance.
This insurance policy helps manage liability claims and demonstrates professionalism to clients, making it an expected part of working in the fitness industry and reinforcing the need for your own policy.
Professional liability addresses covered claims related to the fitness instruction or professional services you provide. General liability addresses covered claims such as bodily injury or property damage connected with your work.
Yes, when the activities you teach are included among IFG’s approved fitness activities. This can be useful for instructors who teach more than one type of class, such as Pilates, dance, group fitness, or other approved specialties.
Yes. IFG offers coverage for eligible students preparing to work in the fitness industry. Visit the Student Trainer Insurance page for information about student coverage and eligibility.
Yes. IFG fitness instructor insurance is available in all 50 states for eligible fitness professionals and approved fitness activities.
If you’re currently studying to become a fitness professional, you don’t have to wait to protect your future. 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.
$189 /YEAR
Protect your work with professional and general liability coverage designed for independent fitness and group fitness instructors.
Purchase online without a traditional quote process and get coverage across approved in-person and online work settings.