Types of Liability Claims Covered with Personal Trainer Insurance
October 20, 2023
$189 /YEAR
Last year, Insure Fitness Group protected over 200,000 fitness instructors like you. Get complete functional training instructor insurance—including liability and identity theft protection—for just $189/year.
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500+ Techniques Covered | Includes Online & In-Gym Training
Every Insure Fitness policy includes industry-backed protections built for certified personal trainers—no extras needed.
Protect Every Session—Stay Covered
In 2024, Insure Fitness Group backed over $18 billion in liability protection. Why’s that important? Because the average liability claim in our industry hits around $25,000. For just $189/year, get full personal trainer insurance—including $1 million/$3 million liability, $25,000 identity theft protection, and more—so you’re ready if the unexpected strikes.
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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
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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 (Monthly Price) |
$209/YEAR (Starting Price) |
$269/YEAR (Starting Price) |
Still looking at options? See how our personal trainer insurance compares →
Personal trainer insurance is a policy that shields trainers from the liabilities and risks of their profession. This insurance typically includes both general and professional liability coverage.
Provides security against claims of negligence or harm resulting from your training services. It is also sometimes referred to as Malpractice Insurance. This is important if a client claims they were harmed due to improper training techniques. It also covers legal expenses and settlements. This is if a client sues you for professional errors.
This insurance covers bodily injury claims and incidents not related directly to your professional services, but to issues that naturally occurred during your business operations. For example, if a client were to trip over a dumbbell or a loose rug on you property and hurt themself.
Having a strong digital footprint and effective marketing strategies are essential for the success of your business. Our General Liability Insurance covers personal and Advertising Injuries. It protects you from claims of defamation, slander, or infringement of someone’s rights in your advertising. With this coverage, you can confidently promote your services. Improving your marketing efforts.
Protect yourself from identity theft with $25,000 in Identity Protection that is included in an IFG policy. This extra layer of defense can help cover the costs of fixing your identity if it’s stolen. It keeps your personal and professional information safe.
Absolutely. In the world of functional training, injuries happen, and the risks are very real. From slips and falls to muscle strains or overexertion during high-intensity sessions, the potential for liability is high. That’s why functional training instructor liability insurance is a must for every serious professional.
Whether you’re managing accidents like a trip during a movement circuit (covered by our general liability insurance) or responding to a client’s injury from improper form or overexertion (handled by professional liability insurance), our comprehensive insurance coverage helps keep you protected.
At Insure Fitness Group, we understand the specific challenges fitness instructors, functional training instructors, and other wellness professionals face daily. That’s why we’ve crafted a policy that blends specialized insurance protections with industry insight, offering wellness coaches, fitness trainers, and certified functional training instructors the confidence to train smarter.
Your commitment to health and wellness deserves the backing of a leading insurance company. Protect your fitness career and elevate your professionalism with the best insurance for fitness professionals, because confidence starts with being covered.
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 the most experienced health and wellness professionals aren’t immune to risks. As a functional training instructor, you’re working with dynamic movements, equipment, and bodies in motion, making functional training instructor liability insurance necessary. Without proper liability coverage, a single incident could lead to costly malpractice insurance claims that could derail your career and finances.
Our insurance policy includes both professional liability and general liability, offering protection against injuries, liability claims, and allegations of negligence related to your services. Whether you’re a gym employee or an independent contractor, Insure Fitness Group offers the best coverage to keep your career and reputation safe.
Both offer core liability coverage, but functional training instructors face unique risks due to high-impact training styles, diverse client needs, and varied environments. That’s why our insurance group developed a specialized insurance policy tailored specifically for functional trainers, aligning with current industry regulations and certification standards.
Our plan starts at just $189 per year, with no hidden fees. That’s a small payment for significant coverage, offering thousands in protection per incident and per policy period. Plus, you’ll enjoy savings compared to other plans that offer less connection to the fitness industry.
Any certified fitness instructor, wellness professional, or independent contractor who provides training services to the public should be insured. Whether you’re working at a large gym under an employer or offering one-on-one sessions at a client’s home, taking care of your career starts with reliable insurance.
Our plan includes up to $1 million per occurrence and $3 million annually in liability coverage, providing peace of mind in even the most unpredictable training environments. It’s the maximum amount of protection most trainers will ever need, and it comes from a leading provider trusted by fitness pros nationwide.
Signing up is easy. Just complete your certification (if you haven’t already), select your program, and fill out our quick online application. Once your payment is processed, you’ll receive instant proof of insurance, because getting insured shouldn’t be complicated.
Sometimes, but often not completely. Many gym or studio policies only protect the facility, not individual trainers. That’s why having your own functional training instructor insurance is important, especially if you’re working as an independent contractor or side hustling in multiple locations.