What Happens If a Client Sues You as a Fitness Professional
December 7, 2025
$189 /YEAR
Insure Fitness Group has protected over 200,000 professionals with liability insurance. Get complete personal trainer insurance—including 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 spin instructors, cycling coaches, and group fitness professionals.
Protects you even after your policy expires for incidents that occurred during your coverage period
No quotes, no waiting periods—your spin classes are covered immediately
Protected at cycling studios, gyms, client homes, outdoor training sessions, and during virtual spin classes
Download instantly and add additional insureds as needed
One-Year Full Liability Insurance Coverage
Complete coverage for injuries or damages that may occur during spin sessions, one-on-one training, or group cycling classes. 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 spin and indoor cycling to HIIT, yoga, and functional fitness—all protected under one plan.
Protected at gyms, cycling studios, outdoor rides, and virtual classes worldwide.
Get your certificate immediately after purchase and add additional insureds anytime.
Save on cycling 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 spin and cycling workouts, ensuring complete protection for your instruction and business.
Compare our affordable spin 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 spin 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 sets itself apart from other insurance companies by providing not only affordable fitness insurance policies, but also occurrence form coverage. This means your liability coverage protects you for incidents that happened during your policy period, even if your policy has since expired.
Wouldn’t it feel like true peace of mind knowing that your spin instructor liability insurance continues to safeguard you—even after your active insurance plan has ended?
There are two primary types of liability insurance: professional liability insurance and general liability insurance. Both are essential for every fitness instructor and wellness professional in today’s fitness industry.
General liability insurance: Often called “slip and fall” coverage, general liability insurance helps protect against liability claims that occur outside of your direct professional services. For example, if a client trips on a stationary bike pedal or stumbles on uneven flooring before a spin class begins, this type of general liability coverage can help cover medical expenses, legal fees, and other related expenses from the incident.
Professional liability insurance: Sometimes called malpractice insurance, professional liability coverage protects you if a client files a claim connected to your instruction. For example, if a participant develops a back injury from improper instruction during a spin class, this type of professional liability insurance policy helps cover bodily injury claims or other financial losses that may result.
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 Insure Fitness Group policy.
Identity theft is an increasing threat. Identity Theft Protection assists in covering the expenses related to recovering your identity should it be compromised, assuring your personal and professional identities are secure. This is an additional coverage type that is 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 the same. See how leading spin instructor liability insurance and indoor cycling instructor insurance providers compare 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 →
Spin instructors need their own liability insurance—even if their studio or gym carries general fitness coverage. Rider safety is always the priority, and accidents can happen in any class, regardless of how experienced or structured the session is.
By securing spin instructor liability insurance, you’re not only protecting your business—you’re reinforcing the trust your clients place in you. That trust drives long-term rider loyalty and sets you apart as a dependable, professional instructor in a competitive industry.
With the right coverage behind you, you can teach with confidence, knowing you’re protected from unexpected claims or incidents. That peace of mind lets you focus on delivering safe, high-energy classes and creating an empowering experience for every rider.
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.
At Insure Fitness Group, we know that even if you teach at a gym with an employer’s policy, that protection usually doesn’t extend to every individual instructor. That’s why our dedicated liability insurance for fitness professionals is necessary. We help provide coverage for the common risks you face, like a client injury during a spin class, and step in to handle defense costs, and other related expenses. Having your own plan means you’re protected where an employer’s policy may leave gaps.
Yes. Our fitness insurance policy helps cover accidents that occur outside of direct instruction like a client slipping on a stationary bike pedal while setting up. This protection goes beyond your professional services, giving peace of mind for situations many group fitness instructors and personal trainers face.
Insure Fitness Group provides great coverage with affordable policies designed for fitness instructors, pilates instructors, and wellness coaches alike at a flat rate of $189 per year.
Yes. You can secure your policy online in just minutes. This means you quickly get insured, access your certificate of insurance, and start teaching with confidence, knowing your insurance for fitness is in place to help protect you from financial losses, legal fees, and other liabilities if needed.
Insure Fitness Group includes unlimited additional insureds for $30.00 for 1 year or for $10 per.
Every policyholder with Insure Fitness Group receives exclusive benefits, including:
The average legal cost for fitness liability claims ranges from $5,000 to over $25,000, depending on the severity of the injury and legal proceedings. Some lawsuits even exceed $50,000 when accounting for court fees, settlements, and legal defense. That’s why our policy includes $1 million per occurrence and $3 million aggregate coverage, providing realistic and comprehensive financial protection.