How to Protect Yourself as a Personal Trainer
December 14, 2022
$189 /YEAR
Last year, Insure Fitness Group protected over 200,000 fitness instructor professionals. Get complete personal trainer insurance—including professional liability insurance, general liability insurance, 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 professional and general liability insurance, identity theft protection, and industry-backed protections designed specifically for certified bodybuilding instructors and strength training professionals.
Protects you even after your policy expires for incidents that occurred during your coverage period
No quotes, no waiting periods—your bodybuilding sessions are covered immediately
Protected at gyms, studios, client homes, community centers, outdoor spaces, and during virtual bodybuilding sessions
Download instantly and add additional insureds as needed
One-Year Full Liability Insurance Coverage
Comprehensive protection for injuries or damages that may occur during bodybuilding instruction, strength training sessions, or competition prep. Includes $1 million per occurrence and $3 million aggregate coverage for maximum protection against liability claims.
Safeguards your business if you're accused of slander, libel, copyright infringement, or invasion of privacy in your marketing, promotions, or online content.
Up to $25,000 in coverage annually if your personal identity is stolen and used fraudulently.
Covers you even after your policy ends for incidents during your coverage term.
From bodybuilding and weight training to hypertrophy, strength coaching, and online programs—all protected under one plan.
Protected at gyms, private training facilities, outdoor locations, and during virtual coaching sessions worldwide.
Get your certificate immediately after purchase and add additional insureds anytime.
Save on bodybuilding certifications, training courses, and fitness education through our partner programs.
Skip the paperwork—get immediate coverage with no delays.
Our liability insurance covers over 500 training modalities, including bodybuilding programs, ensuring complete protection for your instruction and business.
Compare our affordable personal trainer 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.
In 2024, Insure Fitness Group has protected over 200,000 professionals with liability insurance protection. That matters, because the average fitness industry liability claim costs around $25,000. For just $189/year, you get comprehensive bodybuilding instructor insurance—including $1 million/$3 million liability coverage, $25,000 identity theft protection, and occurrence form coverage—so you’re protected when the unexpected happens.
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 injures 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, making sure 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 fitness instructor insurance is created equal. See how IFG’s bodybuilding instructor liability insurance stacks up against top insurance companies based on pricing, liability coverage limits, and included insurance policy benefits for fitness professionals.
| 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 fitness insurance compares →
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.
Yes. Even if you train clients in fitness facilities or health clubs, the gym’s business insurance is designed to protect the facility, not necessarily you as an individual. Having your own insurance for fitness instructors assures that your bodybuilding fitness instructor or personal trainer insurance policy covers accidents, premises rented risks, or claims arising from your unique training style and professional services.
Coverage levels vary, but fitness insurance policies, like IFG’s, offer $1 million per occurrence and $3 million aggregate. This provides strong protection for certified personal trainers and fitness instructors, no matter if liability stems from exercise equipment, training sessions, or online training sessions.
Absolutely. Beyond covering medical expenses, legal defense, and liability claims, IFG helps safeguard your professional reputation. This is especially important in fitness professions, where word-of-mouth and credibility build your business. Having an active fitness insurance policy demonstrates to clients that you take their safety and your role as a professional seriously.
Yes. IFG makes the online process simple. In just minutes, you can apply and receive instant coverage whether you train in fitness facilities, run classes in health clubs, or offer online training sessions. That means no waiting around to protect your career.
No. IFG’s policies extend across fitness professions, from pilates instructors and yoga teachers to group fitness instructors and certified personal trainers. However, the insurance for fitness professionals is tailored to the risks unique to each modality, so a bodybuilding fitness instructor can feel confident their fitness insurance policy addresses the demands of strength training, spotting, and specialized training methods.
Yes. IFG offers nationwide coverage so that fitness instructors are protected wherever they train whether in local health clubs, private studios, or while traveling for competitions, expos, or client programs. Your fitness instructor insurance goes with you, across the country.