Safe Exercise Programs for Chronic Health Conditions
December 10, 2025
$189 /YEAR
Crossfit instructor liability insurance costs $189 per year and includes professional liability coverage, general liability coverage, personal injury protection, and identity theft protection. Your policy supports you during client claims tied to your coaching so you're able to continue running your Crossfit business with confidence.
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 CrossFit instructors, coaches, and fitness professionals.
Protects you even after your policy expires for incidents that occurred during your coverage period
No quotes, no waiting periods—your CrossFit classes are covered immediately
Protected at CrossFit gyms, studios, client homes, outdoors, and during virtual training 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 CrossFit classes, WODs, personal training, or group coaching sessions. Includes $1 million per occurrence and $3 million aggregate coverage.
Safeguards your business if you're accused of slander, libel, copyright infringement, or invasion of privacy in your CrossFit 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 CrossFit and functional training to strength conditioning, HIIT, and online coaching—all protected under one plan.
Protected at affiliate gyms, outdoor workouts, competitions, and virtual training sessions worldwide.
Get your certificate immediately after purchase and add additional insureds anytime.
Save on CrossFit certifications and continuing education through partner programs.
Skip the paperwork—get immediate coverage with no delays.
Our liability insurance covers over 500 training methods, including CrossFit workouts and functional fitness programming.
Compare our affordable CrossFit 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.
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 CrossFit 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 liability and general liability. Both support fitness instructors working in today’s fitness industry.
General liability insurance: Often referred to as slip and fall coverage, general liability coverage addresses incidents that happen outside your direct instruction. For example, if a client trips on a bumper plate near the training area before class begins, this type of coverage handles medical expenses and legal fees tied to the claim.
Professional liability insurance: Sometimes called malpractice insurance, professional liability coverage applies when a client files a claim tied to your coaching. For instance, if a client reports a muscle strain during a standard Crossfit movement or particular exercise that you taught or experiences discomfort after following your technique cues, this coverage supports bodily injury claims, lost wages, and other related costs that may arise.
These coverages also protect professionals from liability related to non physical injuries or damages that stem from actions like defamation, false arrest, invasion of privacy, or copyright and trademark issues in advertising and marketing. This additional protection is included with your Insure Fitness Group insurance policy.
Identity theft remains a concern for many professionals. Identity Theft Protection helps cover expenses tied to restoring your identity if it is ever compromised, which supports both your personal and professional security. This additional protection is included with your Insure Fitness Group insurance 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 is created equal. See how leading Crossfit instructor liability insurance providers stack up based on insurance cost, comprehensive coverage, and included insurance policy 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 fitness insurance compares →
Crossfit trainers need their own insurance policy, even if they train in a gym that provides some level of fitness instructor insurance. The safety of your clients remains the priority, and incidents can occur in any environment, even when experienced fitness professionals lead structured training sessions.
Choosing Crossfit instructor liability insurance supports your fitness business and strengthens the trust clients place in your guidance. That trust fuels long term client loyalty and positions you as a reliable instructor in a competitive fitness landscape.
With professional liability insurance in place, you gain confidence knowing you are protected against liability claims. This allows you to focus fully on delivering safe and effective instruction while building a stable and trusted future as a Crossfit instructor.
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.
Your insurance coverage protects you from liability claims that take place during training sessions. This includes professional liability for injuries tied to your instruction and general liability for situations that occur outside your direct coaching. For example, a client might slip during a warmup run across the floor or lose balance while moving to their station before class begins. Coverage supports you through the legal and financial responsibilities that follow.
Yes. Gym insurance rarely extends full protection to the individual fitness instructor. Your own policy stays with you in every training environment, including gym settings, client homes, outdoor workouts, and online coaching. This keeps your professional work protected regardless of where you train.
The short answer: enough to give you peace of mind. Most instructors choose liability limits between $1 million and $3 million. These limits support you if a client reports a strain during a foundational movement, seeks care after a conditioning workout, or files a claim tied to a routine coaching cue. This level of coverage supports your long term stability as you build your fitness career.
Not usually. You can add additional insureds for just $10 each, and this flexibility supports you in all the training spaces you use, including gyms, outdoor areas, and client locations.
Yes, it does. Your policy is not limited to Crossfit training alone. It covers more than 500 health and wellness modalities and supports many of the functional movements you may include in a session or group classes, such as mobility work, conditioning exercises, or light accessory tools. This helps keep your clients well being protected across the training methods you rely on.
Clients trust instructors who take their safety seriously. Carrying comprehensive coverage shows you are professional and prepared for unexpected moments during training. This strengthens your reputation and supports long term client loyalty in a competitive fitness environment.
Yes. Training in parks, open fields, or other outdoor spaces still involves risk. If a client twists an ankle during a simple movement or reports pain after a workout, insurance supports you through the claim. Coverage matters in every location you coach.
With Insure Fitness Group you’re able to buy your policy online in minutes. This gives you immediate protection before your next training session and helps you stay focused on coaching your clients with confidence.
Crossfit instructor liability insurance costs $189 per year and includes professional liability coverage, general liability coverage, personal injury protection, and identity theft protection. Your policy supports you during client claims tied to your coaching so you’re able to continue running your Crossfit business with confidence.