Group Fitness Liability Insurance

Group fitness liability insurance protects instructors from financial consequences if a client is injured during a class or sues them for damages. This coverage includes legal defense costs, medical expenses for injured parties, and potential judgments against the instructor.

Complete Coverage,
No Hassle. As Low As

$189/year

Group Fitness Class doing weight training

One Policy to Protect Your career

Group Fitness Liability Insurance

Insure Fitness Group offers some of the most comprehensive group fitness service instructor insurance in the game.

IFG covers group fitness instructors working in solo careers, small gym environments, or as employees of national gym chains.

Let Insure Fitness Group protect your career and your future, with the best group fitness instructor insurance in the industry- for less than your yearly gym membership. Our liability coverage remains one of the best combinations of affordable plan options and robust coverage amounts.

Why Do Group Fitness Instructors Need Insurance?

According to the U.S. Consumer Product Safety Commission, there are approximately 460,000 reported fitness injuries a year. 

Approximately 50,000 reported injuries were caused by low weight and equipment. Liability insurance for group fitness instructors can help protect your career from lawsuits related to fitness injuries.

As a  fitness instructor, you make every effort to ensure your clients are executing exercises properly, but accidents can still happen.

INSTANT CERTIFICATE

Receive instant coverage and proof of insurance certificate via email immediately upon checkout, which takes less than 5 minutes.

COMPLETE PROTECTION

Professional + General Liability: $1 million per occurrence, $3 million per year

FLEXIBLE PAYMENTS

We've teamed up with PayPal Credit to make it easy for you to pay for your policy the way you need.

PLUS BENEFITS

You get identity protection, career-building resources, and countless fitness-related product discounts.

Are you covered in the event of an accident or injury?

Group fitness instructor insurance from Insure Fitness Group gives you peace of mind.

Group fitness classes afford instructors a great opportunity to multiply their revenue with clients paying individually for one, focused session. However, even the most skilled trainers, experienced in providing group fitness classes can still have an event occur that is completely outside the realm of control. 

Because fitness involves exerting increased effort, using equipment like free weights and machines, and simply being around others doing the same, the risks of injuries or damage are unfortunately quite high. Each year, there are tens of thousands of fitness-related injuries in the U.S. This risk is mitigated, or planned for, with fitness instructor liability insurance. 

Our plans cover many different accidents and mishaps that are unfortunately common at some point in a career in fitness. Rather than having to pay these costs out of pocket, your comprehensive group fitness instructor insurance provides a safety net for your personal finances. 

From a simple slip and fall injuries to an accusation with an accompanying lawsuit for malpractice, an all-inclusive sports and fitness insurance policy from IFG has you covered with high coverage limits and quick and helpful claims teams. At just $189 per year, group fitness insurance pales in comparison to the cost of a claim for injuries and more.

What's Covered Under Your Policy?

Our personal training and group fitness insurance program covers a multitude of exercise programs, along with hundreds of other healing practices. Check out our chart to the right for a sample of some of the fitness programs your policy automatically includes coverage for.

Don’t see your style or technique listed here?

Call us at 866-349-7715!

What Our Members Say

Personal Trainer and Fitness Liability Insurance

Fitness Instructor Insurance Highlights

Offering the best combination of affordability and coverage, IFG does group fitness insurance differently. Our plans remain affordable because we know the fitness industry and the risks our members face. Highlights of our fitness insurance program include:

Professional & General Liability: protects personal trainers from claims for injuries or property damage, as well as claims asserting you were negligent in your services and an injury or form of damage occurred as a result. With Insure Fitness Group, you have a $1 million per occurrence and $3 million annual aggregate for professional and general liability claims.

Professional Liability: provides coverage for claims asserting you were negligent in your services and an injury or form of damage occurred as a result. Professional liability claims also come with a $2 million per occurrence and $3 million annual aggregate.

Personal Injury and Advertising Injury: This coverage protects you from liability for non-physical injuries or damages resulting from actions including defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing. You’ll be covered up to $1 million per year.

Identity Theft Protection: We’ll cover up to $25,000 in identity restoration services for all IFG policyholders.

Exclusive Fitness Insurance Membership Benefits Program: A member benefits program full of discounts and deals you’ll actually use from popular names in fitness and health. You also get access to tons of great content from fitness pros with tips and tricks for running a great group fitness business.

Great insurance starts with great people. Our team of fully licensed agents and support staff is available to help you get the vital insurance you need to protect your career as a group fitness instructor.

Personal Trainer and Fitness Liability Insurance

How Much Does Insurance Cost For Group Fitness Instructors?

For an entire year of coverage, Insure Fitness Group liability insurance for group fitness instructors is just $189. We also offer an incredible rate of only $65 per year for students. Read more on how much group fitness instructor insurance costs. 

Compare insurance plans and rates.

Personal Trainer and Fitness Liability Insurance

Online Fitness Trainer Insurance from IFG

A vital component of our trainer insurance company lies in the built-in portability provision. Portability is a term used in insurance which means that the policy is not tied to a single location or way of providing fitness services. This means you can switch employers, go from renting space to offering in-home sessions, online person training session, or you can move clear across the country and your policy will follow you every step of your fitness journey. 

Personal Trainer and Fitness Liability Insurance

Membership Benefits You Can Use From Day One

We know the best personal trainer liability insurance needs to offer you a benefit above and beyond just great liability insurance. That’s why our program grants you access to hundreds of dollars worth of exclusive offers and discounts from the leading names in health and fitness. We’ve also developed libraries of content geared just towards setting up and maintaining a successful personal trainer business. Mastering topics like utilizing social media and building a personal trainer resume will help your services stand out from the crowd. Resources like how to create a personal training liability waiver and release form can help protect your business. By having clients sign a waiver and release form, you are asking them to acknowledge and accept the potential risks associated with physical activity and release you from any liability that may arise from injuries or damages sustained during the training sessions. 

Group Fitness Instructor Insurance FAQs

Emphatically, yes. Even if a case is entirely frivolous, legal defense without business insurance can be financially devastating. Group fitness instructor insurance from Insure Fitness takes away the anxiety surrounding the what-ifs of a future claim. You’ll be covered from the minute you engage with a client, within the 50 United States. Read more about why fitness instructor insurance is a must.

The best fitness instructor insurance will provide comprehensive coverage options, covers a variety of different programs/workouts, follows you around the country, is affordable, and ideally, should even provide some additional benefits to members as many may never file a claim. Insure Fitness provides robust coverage limits for a variety of different liabilities, covers more than 150 different workout programs, follows you everywhere you train with clients, and also offers tips, discounts, and exclusives from the leading names in fitness, all at the low rate of just $189 per year. Read more about how to choose the right fitness instructor insurance to fit your specific needs.

Insure Fitness has created a policy that takes the risks of fitness professionals into consideration and provides coverage from several angles from which claims can occur during your policy period. Here’s an outline of the coverage:

  • Professional & General Liability: protects personal trainers from bodily injury or property damage claims, as well as claims asserting you were negligent in your services and an injury or form of damage occurred as a result. With Insure Fitness Group, you have a $1 million per occurrence and $3 million annual aggregate for professional and general liability claims.
  • Product Liability: provides coverage and protection from injuries caused by malfunctioning equipment or allergic reactions from the use of cleaning products in performing your services. You’ll be covered up to $1 million for product liability claims.
  • Personal Injury and Advertising Injury: This coverage protects you from liability for non-physical injuries or damages resulting from actions including defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing. You’ll be covered up to $1 million per year.
  • Identity Theft Protection: We’ll cover up to $25,000 in identity restoration services for all IFG policyholders.

Take the guess work out of personal trainer insurance – get more information about the 3 types of liability insurance every personal trainer should have. To see more about who we cover, check out our blog.

Yes! As virtual personal training classes continue to increase in popularity, we’ve added online personal trainer insurance coverage for any class conducted via a medium like Skype where live training is being provided. This only wouldn’t apply to any previously recorded fitness instruction such as with a Youtube channel.

Absolutely. Because we want to foster the next generation of  trainers, we offer the same coverage options as with our professional policies to students for the low-rate of just $65 for a full year of coverage. Select the student rate here.

Occurrence form coverage is based on the premise that, if a claim is filed after your policy expires, no matter when this occurs, as long as the incident occurs during the period when your policy is active, you’re covered. This comes about from the simple fact that some injuries take months or even years to manifest and some clients choose to wait for a time before seeking restitution. Whatever the reason, even if it’s years after your policy has expired, if that incident occurred while the policy was still active, you’ll have the peace of mind of full coverage. Many carriers provide claims-made coverage that only extends coverage beyond a policy’s expiration if additional measures specifically taken to do so. Otherwise, under a claims-made policy, any claim occurring after a policy’s expiration is generally not covered unless you pay extra for a “tail” that will allow you to do so.

A great value of our plans lies in the fact that none of our liability coverages have a deductible attached. This means, if you need to file a professional liability claim with us, you pay nothing out of pocket to do so. Only our stolen equipment coverage has a low $250 deductible. Read more about the top requirements for personal trainer insurance.

General liability claims arise from third-party injuries or property damage that occurs from broadly accepting clients and providing your service. Generally referred to a “slip and fall”, an example could be a client slipping on the pile of chalk left on the floor after a split-jerk and breaking their hip. Their medical expenses would fall under your personal trainer general liability insurance provisions. Another example might be where a client is walking out of their appointment and misses a stair on their way causing them to fall and get injured that way. Read more about personal trainer insurance coverage to consider this year.

Professional liability coverage is also called “malpractice insurance” as it relates specifically to a claim against the professional service you provided during a session. For example, a student may assert that your spin class was too arduous and led to a torn quadricep or another may say that you pushed them too far down into a front-squat and they hurt their back as a result. With cases like these, Insure Fitness members have peace of mind through a comprehensive professional liability insurance coverage. Read more about the do’s and don’ts of liability insurance.

Insure Fitness’s personal training and group fitness insurance program covers a wide array of different workout/exercise programs. At present, we provide coverage for more than 40 different programs. Everything from Aquatic Exercise, to Pilates, JazzerciseⓇ, P-90XⓇ, and ZumbaⓇ are all covered under our personal trainer insurance policies. If you don’t see your specific program currently listed, call or click to get in contact with an insurance specialist who may be able to add yours to our growing list.

Yes and yes! We’ve partnered with some of the leading names in the world of fitness to bring our members killer benefits, exclusives, discounts, and early access to a wide variety of different products and services. We’ve also developed vast, members-only  libraries of curated content that provides insider tips on everything from running a successful business to motivating a client through a challenging Monday session.

Online insurance options are by far the most convenient for today’s on-the-go professional. We offer the convenience of a 100% online membership portal where you can purchase a personal trainer liability insurance policy and access all of your documents from anywhere in the world (and theoretically beyond) where you have an internet connection.

Online insurance options are by far the most convenient for today’s on-the-go professional. We offer the convenience of a 100% online membership portal where you can purchase a personal trainer liability insurance policy and access all of your documents from anywhere in the world (and theoretically beyond) where you have an internet connection.

At Insure Fitness, we believe in transparency. That’s why we present our plans side-by-side with our leading competitors so you can see how all of our different coverage options stack up against other insurance providers . At just $189 per year, Insure Fitness Group offers some of the most affordable rates, with the best coverage options, of any other carrier out there. Read more about our competitors’ personal trainer insurance cost breakdown to stay informed and make sure you are getting the right coverage that fits your specific needs.

Our streamlined fitness instructor insurance provides instant proof of insurance as soon as you sign up. You’ll also get great coverage with liability protection tailored for the risks today’s instructors face. Added bonus, you can opt for flexible monthly payments that work with your budget and access to an entire suite of benefits from day one.

Get in Touch

Contact Us Now

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.

800-379-7799
info@insurefitness.com

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