Types of Liability Claims Covered with Personal Trainer Insurance
October 20, 2023
$189 /YEAR
Last year, Insure Fitness Group protected over $18 billion in liability coverage. Get complete pilates instructor insurance—including liability and identity theft protection—for just $189/year.
500+ Techniques Covered | Includes Online & In-Gym Training
Every Insure Fitness policy includes industry-backed protections built for pilates instructors—no extras needed.
Protect Every Session—Stay Covered
In 2024, Insure Fitness Group backed over $18 billion in liability protection. Why’s that important? Because the average liability claim in our industry hits around $351,000. For just $189/year, get full personal trainer insurance—including $1 million/$3 million liability, $25,000 identity theft protection, and more—so you’re ready if the unexpected strikes.
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.
Rest assured—your career is in good hands with Insure Fitness Group. We’re A-Rated (Superior) and proudly backed by Arthur J. Gallagher.
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 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
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Not all pilates 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 (Monthly Price) | $209/YEAR (Starting Price) | $269/YEAR (Starting Price) |
Pilates Instructor insurance is a policy that shields trainers from the liabilities and risks of their profession. This insurance typically includes both general and professional liability coverage.
Provides security against claims of negligence or harm resulting from your training services. It is also sometimes referred to as Malpractice Insurance. This is important if a client claims they were harmed due to improper training techniques. It also covers legal expenses and settlements. This is if a client sues you for professional errors.
This insurance covers bodily injury claims and incidents not related directly to your professional services, but to issues that naturally occurred during your business operations. For example, if a client were to trip over a dumbbell or a loose rug on you property and hurt themself.
Having a strong digital footprint and effective marketing strategies are essential for the success of your business. Our General Liability Insurance covers personal and Advertising Injuries. It protects you from claims of defamation, slander, or infringement of someone’s rights in your advertising. With this coverage, you can confidently promote your services. Improving your marketing efforts.
Protect yourself from identity theft with $25,000 in Identity Protection that is included in an IFG policy. This extra layer of defense can help cover the costs of fixing your identity if it’s stolen. It keeps your personal and professional information safe.
Yes! Injuries happen in the fitness world, and the risks are real. The potential for liability from equipment is high, from slips and falls to overexertion-related muscle tears. That’s where Pilates Instructor insurance becomes your safeguard.
Whether dealing with slips, trips, and falls (covered under our general liability coverage) 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 and protect your Pilates business with our insurance policies today!
Our Pilates Liability Insurance offers comprehensive coverage, including protection against legal claims related to bodily injury, malpractice, negligence and personal/advertising injury. With $1 million per occurrence and $3 million per year in coverage, you can train with peace of mind.
We’ve simplified the insurance process to ensure hassle-free access. Our streamlined procedures mean quick and efficient coverage that you can purchase online in less than three minutes, allowing you to focus on what you do best—transforming lives through Pilates.
Insure Fitness Group is a leader in providing insurance solutions for fitness professionals. With a client-centric approach, a range of coverage options, and expert support, we are dedicated to the success and security of your fitness career. There’s a reason why we’re rated 4.7/5 on Google, 4.6/5 on TrustPilot, and are BBB accredited.
We cover all 50 United States, including coverage for online training, as long as you as the insured is based in the US while offering the online services.
Absolutely! You can purchase your policy at any time and select a start date up to 90 days in advance.
For example, if you buy your policy on January 1, but don’t need coverage until February 20, simply set the start date to February 20 during the first step of checkout.
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. As long as you’re abiding by local and/or state regulations, you can rest assured that you’re covered in all 50 states.
The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.
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