Liability Insurance For Group Fitness Instructors

Emphatically, yes. Even if a case is entirely frivolous, legal defense without 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 $179 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 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.
• Product Liability: provides 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.

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 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.

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. 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.