$189 /YEAR
Last year, Insure Fitness Group provided personal trainer insurance for more than 200,000 fitness professionals nationwide. Get complete Curves fitness instructor liability insurance, including professional liability coverage and identity theft protection, for just $189 per 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 coverage designed specifically for Curves Fitness Instructors and circuit training professionals.
Protects you even after your policy expires for incidents that occurred during your active coverage period.
No quotes, no waiting periods—your Curves circuit and group sessions are covered immediately.
Protected at Curves studios, client homes, community centers, outdoors, and during virtual coaching sessions.
Download instantly and add your Curves franchise or partner facility as an additional insured anytime.
One-Year Full Liability Insurance Coverage
Comprehensive protection for injuries or damages that may occur during Curves classes, circuit workouts, or personal coaching. Includes $1 million per occurrence and $3 million aggregate coverage for maximum peace of mind.
Safeguards you and your business from claims of slander, libel, copyright infringement, or invasion of privacy in marketing and promotions.
Includes up to $25,000 in annual coverage if your personal identity is stolen or used fraudulently.
Covers you even after your policy ends for incidents that happened while your insurance was active.
From Curves circuit and cardio to strength training, mobility, and group coaching—all under one plan.
Stay protected whether you teach in-studio, outdoors, or virtually for your Curves members worldwide.
Get your certificate immediately after purchase and add additional insureds like your Curves location anytime.
Save on Curves certification renewals, group fitness education, and professional development courses.
Sign up and get instant coverage—no waiting, no stress, no hidden requirements.
Our liability insurance protects you across all Curves programs, classes, and member interactions—giving you the freedom to teach, train, and inspire confidently.
Compare our affordable Curves Fitness Instructor insurance rates with other providers and see why thousands of instructors and studio owners 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 nationwide. The average liability claim costs around $25,000. For just $189/year, Curves Fitness Instructors receive $1 million/$3 million liability coverage, $25,000 identity theft protection, and occurrence form coverage—so every class you lead is fully protected.
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 dance instructor insurance: professional liability insurance and general liability insurance. Both are essential for every instructor and wellness professional in today’s fitness industry.
General liability insurance: Sometimes called “slip and fall” coverage, general liability insurance helps protect you from accidents that happen around your classes. For example, if a client slips on a damp floor near the entrance or loses their balance while moving between circuit stations, this coverage helps with medical expenses and legal defense fees related to the incident.
Professional liability insurance: Professional liability insurance focuses on your instruction and guidance. If a client experiences a strain or minor injury while following your coaching during a circuit or strength exercise, this protection helps cover bodily injury, lost wages, and other related costs that may come from a client’s claim.
These coverages protect professionals from liability for 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 included in every Insure Fitness Group policy.
Identity theft is an increasing threat. Identity Theft Protection helps cover expenses related to restoring your identity if it’s ever compromised, ensuring your personal and professional information stays secure.
*MM = Million
No Quotes. No Hassle.
Don’t wait for coverage or quotes, buy instantly with our secure online checkout.
Not all fitness insurance is created equal. See how leading fitness instructor liability insurance providers stack up based on annual 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 insurance compares →
Curves fitness instructors need their own insurance plan, even when teaching in a gym or studio that provides some level of coverage. The safety of your clients is always the priority, and accidents can occur in any setting, even during structured circuit-training sessions.
Choosing Curves fitness instructor liability insurance protects more than your instruction, it strengthens the trust your clients have in your professionalism. That trust supports long-term client relationships and sets you apart as a dependable instructor in today’s fitness world.
With the right professional liability insurance in place, you gain confidence knowing you’re protected against third-party claims. This allows you to focus entirely on providing safe, effective training and building a strong, lasting career as a Curves fitness 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 policy protects you from liability claims that can occur during circuit training or group sessions. This includes professional liability, general liability, personal and advertising injury coverage as well as identity theft protection.
Yes. Even if a health club or other facility carries its own insurance, it rarely provides full protection for instructors. Having your own policy ensures you’re covered wherever you teach, whether in a gym, online, or during off-site classes.
Most instructors choose between $1 million and $3 million in liability limits. This level of protection is more than enough to keep you feeling confident should an accident occur during a class or one-on-one session.
No. You can add additional insureds for $10 each, making it easy to stay protected across all your training spaces.
Yes. Your policy includes coverage for a wide range of fitness modalities, from group fitness to strength training to yoga instructors nationwide. Check Who We Cover and explore the full list.
Clients trust instructors who take their safety seriously. Comprehensive coverage demonstrates professionalism and preparedness, helping you build credibility and long-term loyalty.
Yes. Our policy extends to outdoor settings like parks, community areas, or private spaces, protecting you if a client is injured during your session.
You can purchase insurance online in minutes and start teaching with confidence, knowing your coverage begins immediately.
