Safe Exercise Programs for Chronic Health Conditions
December 10, 2025
$189 /YEAR
Last year, Insure Fitness Group safeguarded over 200,000 professionals like you with liability insurance protection. Get complete 20/20/20 fitness instructor liability insurance—including full insurance coverage for fitness professionals and identity theft protection—for just $189/year.
No Hassle. No Quotes. Immediate insurance coverage.
500+ Techniques Covered | Includes Online & In-Gym Training | Liability insurance coverage in all 50 States
Every Insure Fitness policy includes professional and general liability insurance, identity theft protection, and industry-backed protections designed specifically for certified 20/20/20 fitness instructors and group exercise professionals.
Protects you even after your policy expires for incidents that occurred during your coverage period
No quotes, no waiting periods—your 20/20/20 classes are covered immediately
Protected at gyms, studios, community centers, outdoor classes, and virtual 20/20/20 sessions
Download instantly and add additional insureds as needed
One-Year Full Liability Insurance Coverage
Complete coverage for injuries or damages that may occur during 20/20/20 fitness classes, one-on-one instruction, or group sessions. Includes $1 million per occurrence and $3 million aggregate coverage for maximum protection against liability claims.
Safeguards your business if you're accused of slander, libel, copyright infringement, or invasion of privacy in your marketing, promotions, or online content.
Up to $25,000 in coverage annually if your personal identity is stolen and used fraudulently.
Covers you even after your policy ends for incidents during your coverage term.
From 20/20/20 classes and aerobics to yoga, HIIT, and online coaching—all protected under one plan.
Protected at gyms, studios, outdoor classes, and virtual training sessions worldwide.
Get your certificate immediately after purchase and add additional insureds anytime.
Save on 20/20/20 certifications and fitness education through our partner programs.
Skip the paperwork—get immediate coverage with no delays.
Our liability insurance covers over 500 training methods, including 20/20/20 fitness, ensuring complete protection for your instruction and business.
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.
In 2024, Insure Fitness Group backed over 200,000 fitness professionals. That matters, because the average fitness industry liability claim costs around $25,000. For just $189/year, you get comprehensive 20/20/20 instructor insurance—including $1 million/$3 million liability coverage, $25,000 identity theft protection, and occurrence form coverage—so you’re protected when the unexpected happens.
Trusted & Accredited by the BBB
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.
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 in your studio or gym that aren’t directly tied to your professional 20/20/20 instruction. For instance, if a client stumbles on an uneven surface before starting tabata, kickboxing, non-contact, or yoga fit personal training, this type of fitness instructor liability insurance would protect you from the resulting claims.
Professional liability insurance: Also known as malpractice insurance, professional liability insurance protects you against claims that stem from actual or alleged professional negligence. For example, if a client strains their back during the core segment of your 20/20/20 fitness class or twists an ankle while doing personal training Zumba drills under your supervision, this insurance 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 helps cover the expenses related to recovering your identity should it be compromised, assuring 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.
Not all instructor 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 (Starting Price) |
$209/YEAR (Starting Price) |
$269/YEAR (Starting Price) |
Still looking at options? See how our insurance compares →
20/20/20 fitness instructors need their own fitness instructor insurance, even if they’re employed by a gym that provides some coverage. The safety of your clients is always the top priority, but accidents still happen, whether during fitness class instruction, Zumba, a kickboxing non-contact drill, or the core-strength segment of class.
When you choose Insure Fitness Group for your insurance coverage, you’re not just protecting your career; you’re also strengthening the trust your clients place in you. That trust is important to long-term loyalty, setting you apart as a reliable and professional fitness instructor.
Embrace the peace of mind that comes with knowing you’re protected. Our professional liability insurance allows you to focus on coaching, motivating, and delivering results without the constant worry. Let’s make sure you have a successful 20/20/20 fitness career that is secure, supported, and trusted.
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.
20/20/20 fitness instructor liability insurance is a specialized policy that protects instructors against risks that come with teaching classes. This coverage typically includes professional liability insurance for claims of negligence during instruction and general liability insurance for accidents like slip-and-fall injuries in the studio or gym. With Insure Fitness Group, your policy also follows you wherever you teach, whether in a gym, a client’s home, or through online classes.
Yes. Even if your gym or studio provides some form of group coverage, it usually protects the business first, not individual instructors. Having your own 20/20/20 fitness instructor liability insurance assures you’re personally covered if a client files a claim against you. This extra protection builds trust with clients and provides peace of mind that your career is fully safeguarded.
With Insure Fitness Group, a full year of 20/20/20 fitness instructor insurance costs just $189 per year. This includes $1 million per occurrence / $3 million per year in liability coverage, $25,000 in identity theft protection, and occurrence form coverage that protects you even after your policy ends. For less than the cost of a single session with a lawyer, you get complete protection for your entire fitness career.
A 20/20/20 instructor liability insurance policy includes:
Yes. Insure Fitness Group’s 20/20/20 instructor insurance protects you whether you’re teaching in a studio, at a client’s home, or through virtual fitness sessions. As more instructors expand into hybrid and online formats, this coverage assures your liability protection follows you anywhere you train clients.
With Insure Fitness Group, you can purchase 20/20/20 instructor liability insurance online in just three minutes. There are no quotes or waiting periods, coverage activates instantly, and you’ll receive a free downloadable Certificate of Insurance right away. This makes it easy to show proof of coverage for gyms, studios, or private clients.