Insurance for Students in Yoga Teacher Training
Professional & General Liability: $2 Million
Individual Annual Aggregate: $3 Million
Rental Damage Insurance: $100,000
Occurrence Form Coverage
Stolen Equipment Insurance: $1,000 *$250 deductible
Identity Protection Plan
PLUS Free Professional Website
ABOUT INSURE FITNESS GROUP
PERSONAL TRAINER & FITNESS LIABILITY INSURANCE
WHO ARE WE?
We are a community of fitness industry professionals dedicated to providing professional liability insurance and long-term career support for Personal Trainers, Fitness Professionals, Zumba, Pilates, Dance Instructors and hundreds of various specialty trainers! We cover over 350+ training programs and techniques and are proud to offer access to affordable, all-inclusive liability insurance with instant coverage and additional, member-only benefits, including access to Vision and Dental coverage, all for as low as $16 / month.
Insure Fitness Group began from our organizations long history of the health and wellness industry. With over 65+ years in the chiropractor and holistic wellness publication space, we expanded our brand to fitness professionals who are looking to take their career to the next level. In 2018 we became a primary resource for Personal Trainers, Group Fitness and Pilates Instructors, Dance Teachers and hundreds of specialty trainers by offering an affordable, all-inclusive professional liability insurance policy tailored to the fitness industry. We want to be there for our fitness professionals through the best of times and protect them in the challenging ones because we believe in the impact you make. If you're a fitness pro you're in the right place. Not sure what professional liability insurance is? Learn more here!
WHY DO YOU NEED FITNESS INSURANCE?
According to the U.S. Consumer Product Safety Commission, there are approximately 460,000 reported fitness injuries per year. As fitness professionals, you make every effort to insure your clients are executing movements properly, but accidents can still happen. Simply put, insurance can help protect your fitness career from lawsuits related to these injuries.
Need more? Fitness professional, Eric Broser, shares his Top 10 Reasons to Carry Fitness Insurance.
WHY INSURE FITNESS GROUP?
We're proud to cover hundreds of modalities including Personal Trainer, Pilates, Group Fitness, Dance Instructor, Zumba Instructor, Spinning, Aerobics, Barre, and over 300+ more access to affordable, instant coverage designed specifically for your program or practice. Coverage starts at low as $16/month for Professionals - paid annually or with flexible payments using PayPal. We also offer a Student policy for $25/year. Each policy receives instant certification upon checkout and complete, occurence-form protection. Plus, a policy with Insure Fitness Group means access to member-only benefits like discounted Vision and Dental plans, Stolen Equipment coverage and tons of fitness-related discounts!
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
We've teamed up with PayPal credit to make it easy for you to pay for your policy the way you need.
Added identity protection, $1,000 of stolen equipment coverage, access to Vision and Dental plans plus fitness-related discounts.
COMPARE US TO THE COMPETITION
Need to shop and compare? We've got you covered. Check out our complete guide to choosing the best policy that fits your needs.
FREQUENTLY ASKED QUESTIONS
We provide a comprehensive Personal Trainer and Fitness Instructor Insurance Program. See below for answers to most commonly asked questions as you consider adding coverage from Insure Fitness Group. To see Frequently Asked Questions specific to Pilates, click here!
What does Insure Fitness personal trainer liability insurance cover?
Insure Fitness has created a policy that takes the risks of fitness professionals into consideration and provides coverage from several angles from which claims can occur during your policy period. Here’s an outline of the coverage:
- General Liability: protects personal trainers from claims for injuries or property damage. With Insure Fitness, you have a $1 million per occurrence and $3 million individual annual aggregate for general liability claims.
- Professional Liability: provides coverage for claims asserting you were negligent in your services and an injury or form of damage occurred as a result. Professional liability claims also come with a $1 million per occurrence and $3 million individual annual aggregate.
- Products Liability: provides protection from an allergic reaction from the use of products in performing your services. You’ll be covered up to $1 million for product liability claims.
- Rental Damage Coverage: provides coverage for damages you or a client caused to a rented space, up to $100,000.
- Stolen Equipment: provides $1,000 worth of coverage for any equipment that’s stolen, less a $250 deductible.
Do you really need professional liability insurance as a personal trainer?
Emphatically, yes. The unfortunate age we live in where personal injury lawyers ads run ad nauseum on TV results in a great many claims being filed against personal trainers. Even if a case is entirely frivolous, legal defense without insurance can be financially devastating. Personal trainer professional liability insurance from Insure Fitness takes away the anxiety surrounding the what-ifs of a future claim. You’ll be covered from the minute you engage with a client, within the 50 United States.
How do monthly Payments with IFG Work?
We know you want flexibility in your budget so we've partnered with PayPal Credit to offer a finance option that let's you pay for your policy monthly. When you choose to pay monthly, PayPal Credit takes the total cost of your policy plus a small service fee and breaks it up over your selected duration.
Using PayPal Credit is subject to a credit check and there is no interest if you pay off your policy within the first 6 months. After 6 months interest fees may apply.
What's the best online personal trainer insurance?
Online insurance options are by far the most convenient for today’s on-the-go professional. We offer the convenience of a 100% online membership portal where you can purchase a personal trainer liability insurance policy and access all of your documents from anywhere in the world (and theoretically beyond) where you have an internet connection.
Are virtual classes covered under insure fitness's personal trainer insurance program?
Yes! As virtual personal training classes continue to increase in popularity, we’ve added online personal trainer insurance coverage for any class conducted via a medium like Skype where live training is being provided. This only wouldn’t apply to any previously recorded fitness instruction such as with a Youtube channel.
Does Insure Fitness offer a plan for personal trainer students?
Absolutely. Because we want to foster the next generation of personal trainers, we offer the same coverage options as with our professional personal trainer policies to students for the low-rate of just $25 for a full year of coverage.
WHAT is occurrence Form coverage?
Occurrence form coverage is based on the premise that, if a claim is filed after your policy expires, no matter when this occurs, as long as the incident occurs during the period when your policy is active, you’re covered. This comes about from the simple fact that some injuries take months or even years to manifest and some clients choose to wait for a time before seeking restitution. Whatever the reason, even if it’s years after your policy has expired, if that incident occurred while the policy was still active, you’ll have the peace of mind of full coverage. Many carriers provide claims-made coverage that only extends coverage beyond a policy’s expiration if additional measures specifically taken to do so. Otherwise, under a claims-made policy, any claim occurring after a policy’s expiration is generally not covered unless you pay extra for a "tail" that will allow you to do so.
Do your coverage options have deductibles?
A great value of our plans lies in the fact that none of our liability coverages have a deductible attached. This means, if you need to file a professional liability claim with us, you pay nothing out of pocket to do so. Only our stolen equipment coverage has a low $250 deductible.
What are some examples of general liability claims for personal trainers?
General liability claims arise from third-party injuries or property damage that occurs from broadly accepting clients and providing your service. Generally referred to a “slip and fall”, an example could be a client slipping on the pile of chalk left on the floor after a split-jerk and breaking their hip. Their medical expenses would fall under your personal trainer general liability insurance provisions. Another example might be where a client is walking out of their appointment and misses a stair on their way causing them to fall and get injured that way.
How much does it cost for personal trainer insurance?
For an entire year of coverage, Insure Fitness Group personal trainer insurance is just $169. We also offer an incredible rate of only $25 per year for personal trainer students.
What are some examples of professional liability claims for personal trainers?
Professional liability is also called “malpractice insurance” as it relates specifically to a claim against the professional service you provided during a session. For example, a student may assert that your spin class was too arduous and led to a torn quadricep or another may say that you pushed them too far down into a front-squat and they hurt their back as a result. With cases like these, Insure Fitness members have the peace of mind of comprehensive professional liability insurance coverage.
What types of exercise workouts/training programs are covered by insure fitness?
Insure Fitness’s personal training and group fitness insurance program covers a wide array of different workout/exercise programs. At present, we provide coverage for more than 40 different programs. Everything fromAquatic Exercise, to Pilates, JazzerciseⓇ, P-90XⓇ, and ZumbaⓇ are all covered under our personal trainer insurance policies. If you don’t see your specific program currently listed, call or click to get in contact with an insurance specialist who may be able to add yours to our growing list.
Does Insure Fitness provide any additional benefits to members?
Yes and yes! We’ve partnered with some of the leading names in the world of fitness to bring our members killer benefits, exclusives, discounts, and early access to a wide variety of different products and services. We’ve also developed vast, members-only libraries of curated content that provides insider tips on everything from running a successful business to motivating a client through a challenging Monday session.
What's the best personal trainer insurance?
The best personal trainer insurance will provide comprehensive coverage options, covers a variety of different programs/workouts, follows you around the country, is affordable, and ideally, should even provide some additional benefits to members as many may never file a claim. Insure Fitness provides robust coverage limits for a variety of different liabilities, covers more than 150 different workout programs, follows you everywhere you train with clients, and also offers tips, discounts, and exclusives from the leading names in fitness, all at the low rate of just $169 per year.
What's a cheap personal trainer insurance policy?
At Insure Fitness, we believe in transparency. That’s why we present our plans side-by-side with our leading competitors so you can see how all of our different coverage options stack up. At just $169 per year, Insure Fitness Group offers some of the most affordable rates, with the best coverage options, of any other carrier out there.
Still have questions about our program or fitness instructor insurance in general? No worries! Insure Fitness Group is available Monday through Friday, from 8:30 AM to 5:30 PM ET. And we have an after-hours line, too! Contact us via online chat, telephone, or email, and we’ll get you the answers to help you choose the best liability insurance policy for you and your fitness career!
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