Liability Insurance for Group Fitness Instructors

Get A-Rated Coverage Built for Group Fitness Instructors Instantly

Insure Fitness Group offers some of the most comprehensive group fitness 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 fitness instructor insurance in the industry- for less than your yearly gym membership. Our coverage remains one of the best combinations of affordable plan options and robust coverage amounts.

Complete coverage,

 no hidden fees

As low as $179/yr

Why do 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

You'll receive instant coverage and a proof of insurance certificate via email immediately upon checkout.

Complete Protection

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

Product Liability: $1 million per occurrence

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, $1,000 of stolen equipment coverage, and fitness-related product discounts.

Group fitness instructor insurance from Insure Fitness Group gives you peace of mind through complete professional liability insurance.

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

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 $179 per year, group fitness insurance pales in comparison to the cost of a claim for injuries or property damages.

What's covered:

group fitness instructors

Our personal training and group fitness instructor 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.

And if you don’t find your style or technique listed here, call us at 800-379-7799 and we’ll let you know if we can cover you!

 Need to weigh your options?

Check out our complete guide to choosing the best policy for your needs here!

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:

General Liability: Coverage for accidental injuries and/or damages to property. You get up to $1 million for each occurrence and $3 million in total per member, per year. 

Professional Liability: Coverage for injuries and/or damages to property arising specifically as a result of the fitness instruction services you provide. You get up to $1 million for each occurrence and $3 million in total per member, per year. 

Product Liability: Coverage if the equipment were to malfunction and cause an injury and/or property damage. This can also pertain to products you use on the equipment like cleaners that might induce a bad allergic reaction. For this important liability coverage, you get up to $1 million per year in total coverage.

Rental Damage Coverage: Covers the cost of repairs to facilities that are rented. You get up to $100,000.

Stolen Equipment Coverage: When important group fitness equipment is stolen by a robbery by force you are covered up to $1,000 less a $250 deductible.

Identity Protection Plan: Covers up to $25,000 in identity restoration services for our group fitness insurance members. 

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.

Fitness Instructor Insurance FAQs

What type of insurance do I need as a fitness instructor?

Does IFG offer fitness instructors in addition to group fitness insurance?

What are some examples of claims filed against fitness instructors?

What types of group fitness classes are covered by fitness instructor insurance?

I’m an employee of a national gym chain, do I really need fitness instructor insurance?

What’s the difference between general liability and professional liability?

How soon after purchasing a policy will I receive proof of coverage?

Does IFG charge additional fees for fitness insurance?

Can fitness instructors get sued for not spotting a client?

How much is group fitness instructor insurance through IFG?

Why is it called fitness liability insurance?

Why would group fitness instructors need insurance?

Do Zumba instructors need fitness insurance?

Does IFG offer any additional fitness insurance member benefits?

Does IFG offer a student fitness instructor insurance plan?

How much insurance coverage do I need as a group fitness instructor?

Is there a time limit to reporting a fitness instructor insurance claim?

What does "A-rated coverage" mean?