Personal Trainer and Fitness Liability Insurance FAQs

Frequently Asked Questions

These FAQs are designed to provide a better understanding of Insure Fitness Group policies and member benefits. Personal trainer insurance is our most popular plan, however, we cover over 350 modalities. Read on to discover our most frequently asked questions.

If you can’t find the answer you’re looking for contact us 800-379-7799 or Email Us.

Certified group fitness instructor or certified personal trainer.

Your Insure Fitness Group policy does not cover invasive practices (e.g., acupuncture, colonic educators or herbal/nutritional counseling) or the use of T-bars, charges of sexual harassment or the transmission of HIV or an STD.

No. Each licensed practitioner is responsible for their policy.

Call Insure Fitness Group at 800-379-7799. A representative can start your claim process over the phone or email you a form to complete.

There are no refunds or cancellations.

All 50 United States and Washington D.C. (U.S. Territories not included)

No. There is no minimum or maximum.

Yes. The general liability portion of your policy covers medical expenses. There are no limits assigned to these expenses.


Your identity is an asset that deserves special protection, just like your home, auto and other assets. In the event of identity fraud, you may incur expenses fighting to take back your good name. The Identity Protection Plan provides protection and assistance in the event of identity theft.Learn more by visiting


It must be in the practitioner’s name. However, if you’re a sole proprietor, your business name will be covered. If you have a corporation, partnership, or work for a franchise, the business may be added as an additional insured

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.

Yes, if your policy was in effect at the time of the incident. All Insure Fitness Group policies are Occurrence Form Coverage, you’re covered as of the date the injury occurred, not the date the claim was made.

Log into your customer portal, download, save, and print a new proof of insurance at no cost.

Your Insure Fitness Group policy goes into effect immediatelyApply here

A qualified “additional insured” can be a person or corporation. The cost of adding each additional insured is $10 per year, or $30 per year for unlimited.

Per occurrence means the maximum amount of coverage available for each incident resulting in a claim. Insure Fitness Group offers $1 million in liability coverage per occurrence, or per single claim. Annual aggregate is the maximum amount of coverage available to you for all incidents that occur during a policy year. Insure Fitness Group offers an annual aggregate of $3 million per year.

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Still have questions about our program or personal trainer insurance in general? No worries! Insure Fitness Group is available Monday through Thursday from 8 AM to 7 PM ET. On Fridays, we’re open from 9 AM to 7 PM ET. Leave us a message after-hours and we’ll get back to you ASAP! Contact us via online chat, telephone, or email, and we’ll get you the answers you need.