Safe Exercise Programs for Chronic Health Conditions
December 10, 2025
$189 /YEAR
Insure Fitness Group supports more than 200,000 fitness professionals every year with reliable liability coverage. Protect yourself with complete corrective exercise instructor liability insurance, including a professional liability insurance policy and identity theft protection for only $189 a 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 corrective exercise instructors, movement specialists, and fitness professionals.
Protects you even after your policy expires for incidents that occurred during your coverage period
No quotes, no waiting periods—your corrective exercise sessions are covered immediately
Protected at gyms, studios, client homes, outdoors, and during virtual corrective exercise 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 corrective exercise sessions, assessments, or movement training. 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 corrective exercise and postural alignment to functional training, yoga, and mobility work—all protected under one plan.
Protected at gyms, studios, rehabilitation centers, outdoor sessions, and virtual assessments worldwide.
Get your certificate immediately after purchase and add additional insureds anytime.
Save on corrective exercise certifications, biomechanics courses, and fitness education through our partner programs.
Skip the paperwork—get immediate coverage with no delays.
Our liability insurance covers over 500 training methods, including corrective exercise programs and movement coaching, ensuring complete protection for your instruction and business.
Compare our affordable corrective exercise 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.
In 2024, Insure Fitness Group backed over 200,000 fitness professionals. That matters, because the average fitness industry liability claim costs around $25,000. For just $189/year, you get comprehensive corrective exercise 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 liability insurance and general liability insurance. Both are essential for every fitness instructor and wellness professional in today’s fitness industry.
General liability insurance: Often called “slip-and-fall coverage”—protects you from claims that occur outside of your corrective exercise instruction. For instance, if a client trips over equipment or slips on a mat before your session begins, this coverage can help with medical costs, legal defense, and related expenses from the resulting claim.
Professional liability insurance: Sometimes known as malpractice or errors and omissions insurance, covers you if a client claims your guidance caused an injury or worsened an existing issue. For example, if a client experiences shoulder pain after following your corrective movement plan, this coverage helps handle potential legal fees, settlements, and other expenses tied to the incident.
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 the policy.
Identity theft is an increasing threat. Identity Theft Protection assists in covering the expenses related to recovering your identity should it be compromised, assuring your personal and professional identities are secure. This is an additional coverage type that is included in an Insure Fitness Group 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 leading corrective exercise instructor liability insurance providers stack up based on insurance cost, comprehensive coverage, and included insurance policy 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 fitness insurance compares →
As a corrective exercise professional, you work closely with clients who may already be managing pain, postural imbalances, or past injuries. That makes having your own liability insurance essential—especially since accidents and claims can happen even when you’re following best practices. Whether you train independently, work in a fitness center, or collaborate with physical therapy programs, a dedicated policy helps protect you from unexpected costs and lawsuits.
Even if a facility has coverage, it often won’t extend to independent contractors or individual fitness trainers. Without your own plan, you could be personally responsible for medical expenses, legal costs, and lost wages resulting from a client injury or bodily injury claim.
With malpractice insurance and accident insurance built into your Insure Fitness Group policy, you’ll have protection for the realities of your profession. Your policy helps protect against claims of negligence related to your professional services—for example, if a client says your corrective exercise routine caused them to become injured during a session.
Every session carries risk, and client safety is always the top priority. Having the right coverage ensures your policies cover your specific needs as a professional in health and fitness. The right protection gives you peace of mind to focus on what you do best—training clients to move better, recover safely, and perform with confidence.
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’re a certified personal fitness instructor working in a shared studio or gym, it’s important to have your own protection. Most facilities insure only the business—not individual trainers. With Insure Fitness Group, your liability insurance policy follows you everywhere, covering sessions held in person, virtually, or at multiple locations.
Not really. The coverage, limits, and protections are the same—both fall under personal trainer liability insurance offered by Insure Fitness Group. The difference is simply in the focus: corrective exercise insurance is designed for instructors who emphasize postural improvement, injury prevention, and movement correction. You’ll still receive the same comprehensive coverage for medical bills, accident insurance, and legal expenses, all backed by a $1 million per occurrence and $3 million aggregate limit.
Yes. Your Insure Fitness Group policy covers both in-person training and online training without restrictions. Whether you meet clients at a gym, teach movement correction virtually, or design hybrid programs, your personal trainer insurance remains active wherever you go. It’s a flexible plan built for the modern fitness professional.
Absolutely. Insure Fitness Group allows you to add an additional insured for just $10 per additional insured. This feature is especially useful for independent contractors who teach in various spaces or host group fitness classes, ensuring both you and the additional insured are covered under one streamlined policy.
Corrective exercise instructors often work with clients recovering from past injuries, managing muscular imbalances, or improving mobility for better overall performance. Whether you train athletes, older adults, or beginners returning to health and fitness, your Insure Fitness Group policy covers these sessions under the same comprehensive protections as other fitness professionals. That means you’re protected if a client injury occurs during your session, with coverage for medical bills, legal costs, and other related expenses.