Compare Personal Trainer Insurance Rates

Your liability plan from Insure Fitness Group stands out from the competition. Get more for less.

One of the best features is that the policy offers Occurrence Form Coverage instead of Claims-Made Coverage*.

See How Insure Fitness Group Stacks Up to the Competition

We know when it comes to personal trainer insurance, professionals have many choices. But not all fitness insurance programs are created equal. To help fitness pros have all the information they need in one quick and easy place, we’ve compiled a side-by-side comparison among leading fitness insurance providers. Read more about how much personal trainer insurance cost here.

Here you can see the key attributes fitness professionals should be looking for when shopping for personal trainer insurance programs. Once you see how we stack up, we’re sure you’ll join the ranks of hundreds of your fellow fitness pros who have become proud IFG members. See what verified members are saying about our services.

Lowest Annual Rate w/ No Added Fees: IFG

Highest Professional Liability and General Liability Limits: K&K

Occurrence Form Coverage Included: IFG / K&K / Next

Stolen Equipment Coverage Included: IFG

Identity Protection Plan Included: IFG / K&K

Personal Trainer Student Insurance Available: IFG / Sports & Fitness



ONLY $179/YR!

Lowest Annual Rate with No Added Fees

A quick scan of the membership rates below shows that IdeaFit has the lowest rate among the competition. But looking closely at IdeaFit’s personal trainer insurance rates shows you’ll also be paying a membership fee. Most insurance carriers not only charge an annual premium but then also tack on additional fees like IdeaFit’s membership fee. Be sure to watch out for paying extra to add more modalities, surcharges based on your locale, and other hidden costs. We don’t want to add any confusion to our rates, so we offer one, flat annual rate to all our members across the country. With no additional fees, IFG sprints past the competition with the lowest annual rate. 

Rate Comparison Snapshot:

  • IFG - $179 per year for Professionals, $25 per year for Students
  • IdeaFit - $160 per year + membership fee
  • Next - $172 per year + surcharges depending on your state, Next does not offer coverage in Florida or New York
  • Sports & Fitness - $200 per year with fees for Professionals, $59 per year with fees for Students
  • K&K Insurance - $269 per year

Highest Liability Coverage Limits:

  • K&K Insurance: $2 million per occurrence, $5 million individual annual aggregate
  • IFG: $1 million per occurrence, $3 million individual annual aggregate
  • IdeaFit: $1 million per occurrence, $3 million individual annual aggregate
  • Next: $1 million per occurrence, $3 million individual annual aggregate
  • Sports & Fitness: $1 million per occurrence, $3 million individual annual aggregate


K&K Insurance ranks number one with high limits for their general and professional liability. While high limits might make you feel more secure, it may actually offer no real benefit and in the case of K&K, causes their rates to be the highest of those we compared. Personal trainer insurance coverage limits should be set with extreme prudence. Too high means your members are paying for something they will likely never use, too low and they might not have enough coverage in the event of a claim. Our limits are set following years in the fitness and wellness industry. Understanding risks helps us set smarter limits, which balances great coverage with affordable rates.

Occurrence Form Coverage Included

Occurrence form coverage is crucial for allowing you to still file a claim for an event that happens when your policy is active but after the policy itself has expired. For example, your policy expires on December 31st but a client that attended a class several weeks before waits until January 1st to file a claim. The claim event occurred while your policy was active but without occurrence form coverage, your insurance carrier will most likely not honor the claim. Insurance carriers that say you have to file a claim while the policy is active for it to be covered use what’s known as a claims made policy. Be careful, 40% of the carriers in our comparison do not use occurrence form, even though this is by far the industry’s preferred coverage. 



Stolen Equipment Coverage Included

As a fitness instructor, you rely on your gear in order to put clients through the perfect workout routine. When this gear is stolen, your ability to give a great session can be severely impaired. This no-fun scenario is unfortunately a real possibility members can face at some point in their careers. That’s why we include up to $1,000 of stolen equipment coverage with a $250 deductible with our personal trainer insurance program. Of the programs in our comparison, we are the only one to include this important coverage.

Identity Protection Plan Included

Today’s business environment necessitates using technology but this opens you up to a cyber incident putting your identity at risk. We produce personal trainer insurance for the real world and provide a full $25,000 to use towards identity recovery services if your identity is ever stolen. K&K insurance is the only other provider to also include an identity protection plan.

Personal Trainer Student Insurance Available

Training to become a personal trainer can be intense. You will be required to learn a variety of subjects in a relatively short amount of time before jumping right in with clients. Knowing students are the next generation of fitness leaders, we choose to provide our full personal trainer insurance program to students at the discounted rate of only $59. Sports and Fitness also offers a student rate but tacks on additional fees.

Insurance Made for Just for Fitness Pros

Our personal trainer insurance program was designed for fitness professionals by fitness professionals. We know this industry. With that expertise, we crafted a program that simply makes sense for our professional fitness members. We combine incredibly comprehensive coverage, great membership benefits, and affordability all in one well-crafted package. 

IFG Personal Trainer Insurance Provides Members with the Best of the Best:

  • We provide the lowest annual rates with absolutely no additional hidden fees.
  • General liability, professional liability, and product liability coverage all with intelligently-set limits that are perfectly suited for today’s fitness professionals.
  • Additional protections all included without additional fees. Rental damage coverage, stolen equipment coverage, and identity protection plan are all included!
  • Immediate coverage with proof of insurance. You can get coverage that follows you anywhere in the U.S. with a policy that is fully activated in only a few minutes.

Ready to see why so many fitness professionals want us watching their backs?

NOTE: The information in this comparison has been gathered from the websites of each organization and other third party sources.

No guarantee or assurance is made by Insure Fitness Group as to the accuracy or completeness of this information. Date information confirmed 6/27/18.