Types of Liability Claims Covered with Personal Trainer Insurance
October 20, 2023
$189 /YEAR
Insure Fitness Group offers comprehensive TRX instructor liability insurance for just $189/year. This includes general liability insurance, professional liability insurance, and identity theft protection—tailored specifically for fitness instructors and TRX professionals.
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 comprehensive professional and general liability insurance, identity theft protection, and industry-backed protections specifically designed for certified TRX instructors, suspension training coaches, and fitness professionals.
Superior protection that covers you even after your policy expires
No quotes, no waiting periods - coverage starts immediately
Protected at gyms, studios, client homes, outdoor spaces, and virtual TRX sessions
Download instantly and add additional insureds.
One-Year Full Liability Insurance Coverage
Complete insurance coverage for injuries or damages that occur during TRX classes, small group suspension training, or one-on-one coaching. Includes $1 million per occurrence and $3 million aggregate coverage for maximum protection against liability claims.
Protects your TRX instruction business if you're accused of slander, libel, copyright infringement, or invasion of privacy in your marketing materials, social media posts, or client communications.
Get up to $25,000 per year in coverage if your personal identity is stolen and used fraudulently.
Superior protection that covers you even after your policy expires for incidents that happened during your coverage period.
From TRX suspension training and strength training to virtual fitness sessions and wellness coaching—all covered under one comprehensive policy.
Protected whether you teach TRX in studios, gyms, outdoor locations, or conduct virtual classes online.
Download your certificate immediately after purchase and add additional insureds.
Save money on TRX instructor continuing education courses and certifications through our partner programs.
Skip the hassle of quotes and underwriting. Get instant coverage with immediate policy activation.
Our TRX instructor insurance covers over 500 fitness activities and training methods, including TRX suspension training, making it the most comprehensive liability insurance coverage in the industry.
Compare our affordable TRX 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 |
In 2024, Insure Fitness Group backed over 200,000 in liability protection. Why's that important? Because the average liability claim in the fitness industry costs around $25,000. For just $189/year, get comprehensive TRX instructor insurance—including $1 million/$3 million liability coverage, $25,000 identity theft protection, and occurrence form coverage—so you're protected if the unexpected happens during your TRX training sessions.
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 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 trainer 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) |
Still looking at options? See how our personal trainer insurance compares →
TRX instructor liability insurance is a specialized fitness instructor insurance policy that protects individual fitness instructors from the unique risks of teaching suspension training. This coverage typically includes both professional liability and general liability insurance to help safeguard against client injuries, property damage, and legal fees.
Our TRX Instructor insurance covers a multitude of exercise programs, along with hundreds of other wellness practices like massage therapy and cosmetology.
Absolutely. Whether you lead classes in a gym or train clients online, having your own TRX instructor liability insurance is important. Even in controlled environments, client injuries can occur, from muscle strains and overexertion to slips during suspension training. According to the National Safety Council, over 445,000 people were injured using exercise equipment in 2022 alone, highlighting just how common injuries can be, even in well-managed fitness environments.
When you carry your own fitness instructor insurance, you’re protecting more than just your business. You’re reinforcing your professional reputation, providing coverage for medical bills, and offering clients the reassurance they need to train with confidence.
With Insure Fitness Group, your insurance coverage includes general liability, professional liability, and more, assuring your fitness career is protected against both lawsuits and the financial losses that could follow. Focus on growing your personal training business; we’ll handle the liability coverage.
If you’re training to become a TRX or fitness instructor, there’s no need to wait until you’re certified to protect yourself. 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.
Our TRX instructor insurance includes both general liability and professional liability insurance, personal and advertising injury as well as ID theft protection. We safeguard you from a diverse range of incidents that could occur during a fitness class, such as when a client injures themselves using TRX equipment. Coverage helps reduce the financial burden of both the lawsuit and the legal fees that may follow, assuring your fitness business stays protected.
Even if your gym carries fitness insurance, it may not cover individual instructors or the unique risks of TRX training. Instructor insurance provides individual protection, giving you peace of mind if a claim arises from a personal training session. Remember, not all applicants are covered under facility-wide plans.
Yes. If you’re held liable for a training-related injury, you may be able to obtain reimbursement for medical costs, legal fees, and other financial losses related to the incident, depending on your policy and the extent permitted by law. Our fitness insurance helps shield you from devastating out-of-pocket costs.
TRX Instructor insurance with Insure Fitness Group starts at just $189/year. While savings vary, we also offer a student rate of $65/year for those still in training. This cost-effective coverage helps you avoid costly financial losses from unexpected claims.