Teaching aqua-fit fitness involves unique risks, such as slips, falls, or water-related injuries, that can lead to expensive lawsuits. This insurance offers protection against legal and financial issues, covering accidents that might occur during your classes.
$189 /YEAR
500+ Techniques Covered | Includes Online & In-Gym Training | Liability insurance coverage in all 50 States
With Insure Fitness Group, group fitness instructors can get comprehensive coverage for only $189 per year — a cost that breaks down to only $0.52 per day when paid annually. Our policy saves professionals up to 40% and can be purchased simply online in less than three minutes.
While we hope you’ll never need to make a claim, you can rest assured that we’ll be there to support you if you do.
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At Insure Fitness Group, we go beyond affordability—we provide lasting protection through occurrence form coverage. Unlike many policies that only cover claims made while the policy is active, occurrence form coverage safeguards you against claims stemming from incidents that happened during your policy period, even if the claim is filed after your coverage has ended.
That means if something goes wrong while you’re insured—even years later—you’re still protected.
Now that’s peace of mind that sticks with you.
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.
Every Insure Fitness policy includes professional and general liability insurance, identity theft protection, and industry-backed benefits specifically designed for aqua fit instructors, water aerobics leaders, and aquatic fitness professionals.
Coverage that protects you even after your policy expires for incidents that occurred while your policy was active.
No quotes, no waiting periods—your aqua fit instructor coverage begins immediately after purchase.
Stay protected at public and private pools, health clubs, recreation centers, resorts, community centers, and outdoor aquatic spaces.
Download your COI instantly and easily add pools, gyms, or facilities as additional insureds.
One-year full liability insurance coverage
Robust insurance protection for injuries or property damage that occur in and around the pool during aqua fit classes, water aerobics, or aquatic fitness coaching. Includes $1 million per occurrence and $3 million aggregate coverage for strong protection against liability claims.
Helps protect your aquatic fitness business if you’re accused of slander, libel, copyright infringement, or invasion of privacy in your marketing, social media content, or client communications.
Receive up to $25,000 per year in coverage if your personal identity is stolen and used fraudulently.
Superior protection that still responds to covered claims even after your policy expires, as long as the incident occurred during your active coverage period.
Aqua fit, water aerobics, aqua Zumba, aquatic circuit training, and hundreds of other fitness modalities—all under one comprehensive policy.
Whether you teach at public pools, private clubs, community centers, resorts, or special events, your coverage goes wherever you instruct.
Access your certificate immediately after purchase and add pool facilities or fitness centers as additional insureds any time they request it.
Save on continuing education and aquatic fitness certifications through partner programs while you grow your skills and career.
Skip lengthy applications and underwriting. Enroll online in minutes and get instant policy activation for your aqua fit classes.
Our aqua fit instructor insurance covers more than 500 fitness activities and training methods, including a wide range of water-based and pool-friendly classes—making it one of the most comprehensive aquatic fitness liability insurance options in the industry.
Compare our affordable aqua fit and aquatic fitness instructor 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.
The average liability claim in the fitness industry is around $25,000. For just $189/year, you get comprehensive aqua fit instructor insurance—including $1 million/$3 million liability coverage, $25,000 identity theft protection, and occurrence form coverage—so you’re protected if the unexpected happens during your aqua fit or water aerobics classes.
Yes! Injuries happen in the fitness world, and the risks are real. The potential for liability is high, from slips and falls to overexertion-related muscle tears. That’s where personal trainer insurance becomes your safeguard.
Whether you’re mitigating slips, trips, and falls (covered under general liability) or addressing injuries from a client’s overexertion (handled by professional liability), our insurance coverage makes sure you’re protected. At Insure Fitness Group, we understand the unique risks in the fitness industry, providing an all-inclusive policy that blends complete coverage with added protections.
Your passion for fitness deserves the assurance that comes with reliable insurance. Train with confidence. Connect with us today!
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.
Our Personal Trainer Liability Insurance offers comprehensive coverage, including protection against legal claims related to bodily injury and personal/advertising injury. With $1 million per occurrence and $3 million per year in coverage, you can train with peace of mind.
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.
