Protect yourself from costly lawsuits if a client gets injured during a class or on your premises. Group fitness liability insurance gives you affordable, all-in-one coverage—starting at just $189 per year.
$189 /YEAR
No Hassle. No Quotes. Immediate insurance coverage.
500+ Techniques Covered | Includes Online & In-Gym Training | Liability insurance coverage in all 50 States
With Insure Fitness, group fitness instructors can get comprehensive insurance coverage for just $189 per year. Our policy helps professionals save up to 40% compared to other providers and can be purchased online in minutes—no hassle, no waiting.
You may never need to file a claim, but if you do, you can count on reliable support every step of the way.
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Insure Fitness Group offers affordable occurrence form coverage, protecting you from claims related to incidents that happened during your policy period—even if your policy has expired.
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
No Quotes. No Hassle.
Don’t wait for coverage or quotes, buy instantly with our secure online checkout.
Our aerobics instructor insurance covers over 500 fitness activities and training methods, making it the most comprehensive group fitness liability insurance coverage in the industry.
Compare our affordable personal trainer insurance rates with other providers and see why thousands of fitness professionals choose us.
| Insurance Provider | Annual Cost | Monthly Cost | Your Savings |
|---|---|---|---|
| Insure Fitness Group | $189 | $15.75 | - |
| Hiscox Insurance | $270 | $22.50 | Save $81 |
| NEXT Insurance | $269 | $22.42 | Save $80 |
| K&K Insurance | $209 | $17.42 | Save $20 |
Disclaimer: Monthly cost reflects the average monthly rate when paying the full annual premium upfront. Insure Fitness Group plans are billed annually.
Claims that affect group classes—studio rentals, parks & rec permits, corporate wellness, school gyms, and hybrid/virtual sessions. These scenarios show why $189/year can be the smartest investment for multi-participant training.*
Scenario: During a station-based HIIT class, a resistance band snaps and a participant sustains a shoulder injury requiring surgery and rehab.
Coverage: Professional liability for allegations tied to programming, instruction, and supervision in multi-participant settings. On-demand COIs with Additional Insured wording commonly requested by community centers and facility managers.
Scenario: A participant slips on a wet spot near the entrance after a prior class, fractures a wrist, and alleges inadequate hazard signage and cleanup.
Coverage: General liability for third-party bodily injury on premises you use or rent. COIs help satisfy landlord and renter’s risk requirements for short-term or recurring studio rentals.
Scenario: Two participants collide moving between stations, resulting in a knee injury and lost wages for one employee. The employer requests proof of coverage and Additional Insured status.
Coverage: General liability addresses third-party bodily injury during class operations. COIs with Additional Insured and Primary/Non-Contributory wording available for corporate wellness and HR/vendor onboarding.
Scenario: During a live online bootcamp, an at-home participant follows cues using household equipment, trips, and sustains a back injury—alleging negligent instruction.
Coverage: Professional liability extends to coaching delivered virtually or in hybrid formats. COIs available for platforms/venues requiring proof of coverage for remote or on-site sessions.
The average liability claim in the fitness industry can be costly. Get group-class-ready coverage with quick COIs for studios, parks & rec, schools, and corporate wellness—so you can focus on coaching.
Get Instant Coverage Now*Update the price point here if your current group fitness plan differs from $189/year.
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Insure Fitness Group is proud to hold an A+ accreditation from the Better Business Bureau—a reflection of our deep commitment to trust and putting our customers first.
Backed by Industry Leader Arthur J. Gallagher
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.
Fitness professionals need both professional and general liability insurance to protect against claims involving negligence, malpractice, and common accidents like slip-and-falls.
According to the U.S. Consumer Product Safety Commission, there are roughly 460,000 fitness-related injuries each year. Common claims involve fractures, back injuries, muscle tears, and even serious events like heart attacks due to overexertion—risks that increase in group fitness settings where constant supervision isn’t always possible.
Liability insurance helps protect your career from costly legal and financial setbacks. To further reduce risk, stay properly certified and have all clients sign a liability waiver before participating in your classes.
Slip and fall accidents are more common than you’d think in the fitness industry – whether it’s a wet floor or just an accidental trip over equipment, clients can be hurt under your watch and you could be held liable.
Clients come to you to be pushed and motivated, but overdoing it can cause muscle strains or other injuries. Our insurance covers claims related to injuries caused during sessions, so let us take that burden so you can focus on helping your clients meet their goals.
Even if you’re not physically with your client, you could still be held liable for accidents that happen from your online training sessions either live-streamed or pre-recorded.
Exercise equipment can and will break down, posing an injury risk to your clients. This also includes situations like if a client fell off the stationary bike during a spin class and hurts themselves.
Receive instant coverage and proof of insurance certificate via email immediately upon checkout, which takes less than 5 minutes.
Professional + General Liability: $1 million per occurrence, $3 million per year
We've teamed up with PayPal Credit to make it easy for you to pay for your policy the way you need.
You get access to discounted continuing education courses and more with your policy.
Our fitness instructor insurance covers over 500 fitness activities and training methods, making it the most comprehensive group fitness liability insurance coverage in the industry.
The data presented in the Insurance Comparison Chart reflects information gathered from publicly available insurance product specifications available on each company’s website as of February 2026. The companies referred to have not authorized or endorsed the information or use of their names in this comparative advertising.
Yes. Even if you’re the most experienced professional, accidents can happen at any moment. Especially in a group situation where you cannot be watching everyone in your class at once. 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.
Yes! As virtual personal training classes continue to increase in popularity, we’ve added online trainer coverage for any class conducted online, live or pre-recorded, as long as it’s recorded in the US by a US-based professional.
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.
General liability claims include general accidents that occur during your training or on your premises like simple “slip and fall” accidents. An example could be a client slipping on the pile of chalk left on the floor after a split-jerk and breaking their hip, or tipping over a dumbbell on the floor. 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.
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.
We offer monthly payments through PayPal’s Pay Monthly credit program. While we understand the convenience of monthly payment options, we’d still recommend the traditional option of paying in full upfront to avoid any credit checks.
Yes, you are covered for both. Our policy follows you anywhere you practice, whether it’s at a client’s home or in a traditional office setting.
