$189 /YEAR
SilverSneakers® Instructor Insurance — Protect Your Classes from Client Injury, Lawsuits, and Financial Loss
Professional & General Liability Insurance + Identity Theft Protection — All for $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 SilverSneakers® instructors and senior fitness professionals.
Protects you even after your policy expires for incidents that occurred during your coverage period
No quotes or waiting periods—your SilverSneakers® classes and training sessions are covered immediately
Protected at gyms, senior centers, community centers, fitness studios, wellness facilities, outdoor locations, and during virtual classes
Download instantly and add additional insureds as needed
One-Year Full Liability Insurance Coverage
Comprehensive protection for injuries or incidents that may occur during SilverSneakers® classes, senior fitness sessions, and wellness programs. Includes $1 million per occurrence and $3 million aggregate coverage.
Safeguards your fitness business if you're accused of slander, libel, copyright infringement, or invasion of privacy in marketing or online content.
Up to $25,000 in annual coverage if your personal identity is stolen and used fraudulently.
Covers you even after your policy ends for incidents during your coverage term.
From senior fitness and mobility training to group exercise instruction—all covered under one plan.
Protected at gyms, senior centers, wellness facilities, community centers, outdoor classes, and virtual training sessions nationwide.
Get your certificate immediately after purchase and add additional insureds anytime.
Save on senior fitness certifications, continuing education courses, and professional development programs.
Skip the paperwork and activate your coverage instantly.
Our liability insurance covers over 500 wellness and fitness modalities, including senior fitness instruction and SilverSneakers® classes.
Compare our affordable SilverSneakers® instructor insurance rates with other providers.
| 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 protected over 200,000 professionals with liability insurance coverage. The average fitness liability claim costs around $25,000. For just $189/year, SilverSneakers® instructors receive $1 million/$3 million liability coverage, $25,000 identity theft protection, and occurrence form protection.
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 providers because we offer not only one of the most affordable options, but also occurrence form coverage. Choosing the right insurance means selecting protection that continues to respond even after your policy period ends. This type of coverage protects you against claims related to incidents that happened during your policy period, even if your policy has expired.
Wouldn’t knowing you are protected, even after your policy ends, give you greater peace of mind and confidence in your coverage choice?
There are two primary types of liability insurance: professional liability insurance and general liability insurance. Both are essential for every SilverSneakers® instructor and senior fitness professional working with older adults in today’s fitness industry.
General liability insurance: Often referred to as “slip and fall” coverage, general liability insurance helps protect against liability claims that happen outside of your direct professional services. For example, if a participant trips over a resistance band or loose chair before a SilverSneakers® class begins, this type of insurance coverage steps in to help handle medical expenses and legal fees from the resulting claim.
Professional liability insurance: Sometimes called malpractice insurance, professional liability insurance provides protection if a customer files a claim related to your instruction. For instance, if a participant loses balance during a stability drill or experiences a strain during a chair-based strength training exercise under your guidance, this liability coverage would help cover bodily injury claims, lost wages, or other related costs that may arise during supervised physical activity.
This coverage protects SilverSneakers® instructors and fitness professionals from liability for non-physical injuries or damages resulting from actions such as defamation, false arrest, invasion of privacy, or copyright and trademark infringement in advertising and marketing. This is an additional coverage type included in an Insure Fitness Group policy.
Identity theft is an increasing threat. Identity Theft Protection helps cover expenses related to restoring your identity if it is compromised, helping safeguard both your personal and professional reputation. This is an additional coverage type included in an Insure Fitness Group 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 SilverSneakers® instructor liability insurance providers compare based on insurance cost, comprehensive coverage, and included 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 →
The data presented in the Insurance Comparison Chart reflects information gathered from publicly available insurance product specifications available on each company’s website as of February 2026. The companies referred to have not authorized or endorsed the information or use of their names in this comparative advertising.
SilverSneakers® instructors need their own insurance policy, even if they teach at a gym or community center that provides some level of fitness instructor insurance. The safety of your participants is always the priority, and accidents can happen in any setting, even with experienced instructors leading structured classes for older adults.
When you choose SilverSneakers® instructor liability insurance, you are not just protecting your fitness career, you are also reinforcing the trust participants place in you while guiding balance training, strength sessions, and mobility work. That trust supports long-term retention and positions you as a reliable senior fitness professional in a growing market.
With the right 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 appropriate instruction for older adults, while building a stable and trusted career as a SilverSneakers® instructor.
Your policy protects you from liability claims that can happen during SilverSneakers® classes and senior fitness sessions. That includes professional liability, such as a participant getting injured during a balance drill, and general liability, such as someone tripping over equipment before class begins. It is built to protect you while working with older adults in group or one-on-one settings.
Yes, and this comes up a lot when instructors speak with facility managers. While many locations carry their own policy, it usually protects the facility first. Having your own coverage protects you directly.
Most instructors look for $1 million per occurrence and $3 million aggregate limits. When you are working with older adults, there is added medical sensitivity and fall risk, so strong liability limits matter. Understanding the importance of appropriate coverage helps protect both your career and your finances. It’s the coverage you need at a reasonable price.
In most cases, no. With Insure Fitness Group you are able to add additional insureds for just $10 each. That makes it easy to meet requirements from gyms, community centers, or senior living facilities where you teach SilverSneakers® classes.
Yes. Your policy is not limited to one format. It extends to common SilverSneakers® class elements like resistance bands, light dumbbells, chairs, balance equipment, and bodyweight exercises. Check our Who We Cover section for a full list of covered instruction types.
Participants and facilities want to work with instructors who take safety seriously. Carrying your own coverage shows professionalism, expertise, and preparation. That confidence goes a long way in building long-term trust.
Yes. Coverage is crucial regardless of where you teach. If you are leading a SilverSneakers® session in a park, community center, or shared public space, you are still responsible for your instruction.
You can purchase your policy online and have proof of insurance in just a few minutes. The application process requires basic professional knowledge about your instruction format and training background. Coverage activates immediately, so you are protected before your next SilverSneakers® class begins.
