$189 /YEAR
Last year, Insure Fitness Group safeguarded over 200,000 professionals like you with liability insurance protection. Get complete cardio fitness instructor liability insurance—including professional liability 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 cardio 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 cardio classes are covered immediately
Protected at gyms, studios, client homes, community centers, outdoor spaces, and during virtual cardio 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 cardio fitness classes, group training sessions, or one-on-one instruction. 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 cardio training and aerobics to HIIT, dance fitness, and online coaching—all protected under one plan.
Protected at gyms, studios, outdoor spaces, and virtual training sessions worldwide.
Get your certificate immediately after purchase and add additional insureds anytime.
Save on cardio 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 cardio programs, ensuring complete protection for your instruction and business.
Compare our affordable cardio fitness instructor insurance rates with other providers and see why thousands of group fitness pros trust 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 |
In 2024, Insure Fitness Group has protected over 200,000 professionals with liability insurance protection. That matters, because the average fitness industry liability claim costs around $25,000. For just $189/year, you get comprehensive cardio fitness 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 referred to as “slip and fall” coverage, general liability insurance protects against injuries that occur during your fitness classes or at training locations but are not directly tied to your professional instruction. For example, if a client sprains an ankle on an uneven surface while entering a fitness studio, fitness instructor's insurance coverage would protect you from resulting claims.
Professional liability insurance: Often called malpractice coverage, professional liability insurance safeguards you from claims of negligence related to your fitness instructor services. For instance, if a client suffers a back injury while performing high-impact cardio fitness training exercises under your supervision, this professional liability coverage would help cover medical expenses and legal fees.
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.
Not all fitness instructor insurance policies are created equal. See how Insure Fitness Group stacks up against other top insurance providers based on pricing, liability coverage, and included benefits for cardio fitness instructors.
| 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 (Monthly Price) | $209/YEAR (Starting Price) | $269/YEAR (Starting Price) |
Still looking at options? See how our fitness insurance compares →
Cardio fitness instructors need their own fitness instructor liability insurance, even if they work at gyms or fitness facilities that provide some level of coverage. The reality is that accidents can happen at any time during fitness classes or training sessions, and having your own insurance policy assures you’re protected from unexpected claims.
When you choose Insure Fitness Group, you’re not just getting insurance coverage; you’re also showing your clients that their safety is your top priority. This commitment builds trust and loyalty, positioning you as a reliable and professional leader in the fitness industry.
With comprehensive professional liability insurance and general liability insurance, you gain peace of mind knowing you can focus on delivering the best fitness services without worrying about the financial risks of a claim. Protect your fitness career with coverage that supports you in every stage of your journey.
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.
Yes. Even if you teach at health clubs or fitness facilities, having your own fitness liability insurance is essential. Most gyms and studios only protect their business, not individual trainers and fitness instructors. With Insure Fitness Group, cardio instructors get the best liability insurance with clear coverage limits, making sure you’re protected no matter where you train.
Not really. Cardio fitness instructors, yoga instructors, Pilates instructors, and even aerobics instructors fall under the broader umbrella of the personal training industry. A solid personal trainer liability insurance policy through IFG is for all your training program niches—whether that’s indoor cycling instructors, group cardio classes, or one-on-one personal training business sessions.
With IFG, our insurance plan protects you from claims involving bodily injuries, accidents with fitness equipment, and even medical costs if a client gets hurt during a class and sues you. It also includes protection for legal expenses and offers nationwide coverage, so you’re insured no matter where your fitness career takes you.
The right amount depends on your risk level, but most professionals choose IFG’s comprehensive liability insurance for cardio fitness trainers and instructors, which offers $1 million per occurrence and $3 million aggregate in coverage limits. This gives group fitness instructors and solo trainers peace of mind knowing they’re backed if the unexpected happens during a fitness class.
Yes. With IFG, your cardio fitness insurance follows you wherever you work—whether it’s virtual training, private homes, fitness studios, or large health clubs. You’re covered across multiple locations and platforms, making it the best nationwide coverage option for trainers and fitness instructors.