Safe Exercise Programs for Chronic Health Conditions
December 10, 2025
$189 /YEAR
Get complete aerobics instructor insurance—including professional liability coverage and identity theft protection—for just $189/year. Insure Fitness Group has protected over 200,000 professionals like you with liability insurance protection.
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 professional and general liability insurance, identity theft protection, and industry-backed benefits specifically designed for aerobics instructors, group fitness leaders, and wellness professionals.
Coverage that continues to protect you even after your policy expires for incidents that happened while your policy was active.
No quotes, no waiting periods—your coverage begins immediately after purchase.
Stay protected at studios, gyms, community centers, outdoor spaces, and during online or virtual classes.
Download your COI instantly and easily add additional insureds whenever you need.
One-year full liability insurance coverage
Robust insurance protection for injuries or property damage that occur during aerobics classes, group fitness instruction, or wellness coaching. Includes $1 million per occurrence and $3 million aggregate coverage for strong protection against liability claims.
Helps protect your fitness business if you’re accused of slander, libel, copyright infringement, or invasion of privacy in your marketing, social media content, or client communications.
Receive up to $25,000 per year in coverage if your personal identity is stolen and used fraudulently.
Superior protection that still responds to covered claims even after your policy expires, as long as the incident occurred during your coverage period.
Aerobics, dance fitness, virtual group sessions, wellness coaching, and hundreds more—all covered under one comprehensive policy.
Whether you teach in gyms, studios, community centers, outdoor locations, or on online platforms, your coverage goes wherever you instruct.
Access your certificate immediately after purchase and add additional insureds at any time to meet facility requirements.
Save on continuing education courses through partner programs while you grow your skills and advance your fitness career.
Skip lengthy applications and underwriting. Get fast, hassle-free enrollment with instant policy activation.
Our aerobics instructor insurance covers more than 500 fitness activities and training methods, making it one of the most comprehensive group fitness liability insurance options in the industry.
Compare our affordable aerobics and group fitness 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 |
Disclaimer: Monthly cost reflects the average monthly rate when paying the full annual premium upfront. Insure Fitness Group plans are billed annually.
The average liability claim in the fitness industry is around $25,000. For just $189/year, you get comprehensive aerobics 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 aerobics instruction.
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 drops a barbell and injures themselves during a workout under your supervision, 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
No Quotes. No Hassle.
Don’t wait for coverage or quotes, buy instantly with our secure online checkout.
Not all instructor insurance is created equal. See how Insure Fitness Group stacks up against top competitors based on pricing, professional liability coverage, and included benefits.
Not all trainer insurance is created equal. See how IFG 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/YEARBUY POLICY | $270/YEAR (Starting Price) |
$189.75/YEAR (Starting Price) |
$209/YEAR (Starting Price) |
$269/YEAR (Starting Price) |
Still looking at options? See how our aerobics instructor insurance compares →
Aerobics instructor insurance is a policy that protects instructors from the risks and liabilities of teaching fitness classes. This insurance typically includes both general liability and professional liability coverage.
Aerobics instructors need their own insurance, even if they teach at a gym that carries facility coverage. According to the National Safety Council, group fitness classes like aerobics account for a significant share of exercise-related injuries—especially involving knees, ankles, and lower back. These injuries often happen despite instructor oversight.
Choosing Insure Fitness Group means more than just protecting yourself from liability claims, it also helps build your professional reputation. Clients are more likely to trust and stay loyal to instructors who carry their own professional liability insurance policy.
Experience the peace of mind that comes with knowing your fitness liability insurance is in place. Our coverage supports aerobics instructors so you can focus on what you love, helping clients thrive through movement and motivation.
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.
Even if a health club has its own policy, that insurance may not extend to you as an individual instructor. Having insurance for fitness instructors assures you’re personally protected in case of a claim involving a student injury, legal action, or alleged negligence during class.
Yes. Our aerobics insurance includes professional liability (for claims tied to your instruction or advice) and general liability (for accidents like slips or falls). It helps cover medical expenses, legal costs, and related expenses stemming from your work as a fitness or wellness professional.
Absolutely. We have instant coverage and same day coverage, so you can get protected right away. Once you purchase your policy, you can provide proof of insurance immediately.
Yes! Our coverage is designed for a wide range of fitness professions, including barre instructors, Pilates instructors, yoga instructors, personal trainers, and group fitness coaches. One policy gives you great coverage across multiple modalities.
Yes. If a claim is made against you, your policy helps cover legal fees, settlements, and even medical bills for the injured party, up to your maximum amount of coverage. Protecting against financial losses is one of the most extremely important reasons to have insurance.
No problem. Whether you’re teaching in person, at your own studio, or on the go, our insurance for fitness professionals travels with you. You’ll have flexibility and peace of mind, wherever your sessions happen.
Yes. We provide additional insureds for just $10 and $30 for unlimited which means you can add studios, health clubs, or gyms you contract.. This is a must-have benefit for any personal training or group fitness professional.
Our aerobics instructor insurance is priced at just $189/year, giving you the right insurance with no hidden costs. For this flat pay rate, you get a comprehensive policy backed by an A-rated insurance company that understands the fitness industry.