Insurance for Students in Yoga Teacher Training
Professional & General Liability: $2 Million
Individual Annual Aggregate: $3 Million
Rental Damage Insurance: $100,000
Occurrence Form Coverage
Stolen Equipment Insurance: $1,000 *$250 deductible
Identity Protection Plan
PLUS Free Professional Website
personal TRAINER Insurance
INSURE FITNESS GROUP OFFERS personal trainers ACCESS TO AFFORDABLE, ALL-INCLUSIVE LIABILITY INSURANCE.
Insure Fitness Group offers the most comprehensive personal trainer instructor insurance in the industry. We cover thousands of fitness professionals with A-rated insurance designed specifically for personal trainers and fitness instructors, just like you.
We cover personal trainers instructors working in solo careers, small gym environments, or as employees of national gym chains. We created a personal trainer insurance guide for a full break down of everything you need to know before purchasing a policy.
Let Insure Fitness Group protect your career and your future, with the best coverage in the industry- for less than your yearly gym membership. Check out our policy highlights below.
no hidden fees,
as low as $15.49 per MOnth.
PERsonal trainer policy highlights
WHY DO YOU NEED PERSONAL TRAINER INSTRUCTOR INSURANCE?
According to the U.S. Consumer Product Safety Commission, there are approximately 460,000 reported fitness injuries a year.
Approximately 50,000 reported injuries were caused by low weight and equipment. personal trainer insurance can help protect your career from lawsuits related to fitness injuries.
As personal trainers and fitness instructors, you make every effort to insure your clients are executing exercises properly, but accidents can still happen.
WHAT IS PERSONAL TRAINER INSURANCE?
Personal trainer insurance covers claims related to the day-to-day operations of your personal training business. For example, if a student sustains an injury in your session or you damage gym equipment while training a client, personal trainer instructor insurance could help you a lawsuit and the financial burden from a claim.
Personal trainer insurance from Insure Fitness Group also provides professional, general, and product liability coverage, stolen equipment coverage, identity theft protection, and rental damage insurance. All of these coverages are available for $169/year, with no hidden fees.
GENERAL LIABILITY INSURANCE FOR PERSONAL TRAINERS
There are inherent risks, with all exercise classes and personal training sessions. Personal trainer liability insurance protects you, the personal trainer, from claims and potential lawsuits for a multitude of accidents that could happen during class or a session. Personal training general liability insurance protects you from accidents that may arise, through no fault of your own, as the personal trainer.
For example, if a student slips and falls on some split water during a training session and breaks their arm, you may be liable. If a student pushes themselves too far, into a move they cannot do, and injures them self, you may be liable.
While you may work hard to stay current with the health needs of each client, sometimes they are not as forthright with their conditions as you need them to be. For example, you may have a female client who has recently become pregnant, but has chosen not to share that information with you. You might also have a male client who has a heart condition, or other serious health condition that could put him at risk during some of the moves he will perform in class. Personal trainer instructor general liability insurance would protect you from claims arising due to conditions like these. You can still see why it is critical for the health and longevity of your business that you make sure to have personal trainer insurance coverage.
Insure Fitness Group offers the best personal trainer instructor insurance available. Unlike other insurance companies, we will cover a claim that happens within the policy period even if it is filed years later. With this type of support, we know that you will be able to rest easy and focus your full attention on your personal training clients. Teach confidently with personal training insurance coverage from Insure Fitness Group.
PRODUCT LIABILITY INSURANCE FOR personal trainers
Despite the fact that you worked hard to earn your personal trainer certification, teach clearly, and check your equipment on a regular basis, accidents can still happen. The fact is that there are inherent risks with exercise itself, and this risk only increases when various pieces of equipment are added to the mix. Product liability insurance can provide the peace of mind you need so that you can focus on training your clients instead of worrying about potential lawsuits.
Product liability insurance is the type of insurance that offers a warranty or guarantee on a product. It is specifically created to cover you in the event that a product malfunctions and causes injury or damage to third parties. Depending on how the product was manufactured, designed, and assembled, you could be at risk of a lawsuit. Even if your client uses the equipment incorrectly, you could still be held liable for any damage that was caused or bodily harm.
While personal training doesn't always include equipment, when it does, your client's risk of injury also goes up. All it takes is a loose spring, a moment of unfocused attention, or an improperly secured safety chain for an injury to occur. Personal trainer product liability insurance helps to protect you in this type of situation, so that you do not bear the brunt of the financial expenses associated with a lawsuit.
You'll receive instant coverage and a proof of insurance certificate via email immediately upon checkout.
Professional + General Liability: $1 million per occurrence, $3 million per year Product Liability: $1 million per occurrence
We've teamed up with PayPal credit to make it easy for you to pay for your policy the way you need.
You get identity protection, $1,000 of stolen equipment coverage, and fitness-related product discounts.
What else is Covered:
Our personal training and group fitness insurance program covers a multitude of exercise programs, along with hundreds of other healing practices. Check out our chart to the right for a sample of some of the fitness programs your policy automatically includes coverage for.
And if you don’t find your style or technique listed here, call us at 800-379-7799 and we’ll let you know if we can cover you!
need to weigh your options?
We've already done your homework for you!
check out our complete guide to choosing the best policy for you needs here!
Personal Trainer Insurance FAQs
What does Insure Fitness personal trainer insurance cover?
Insure Fitness has created a policy that takes the risks of fitness professionals into consideration and provides coverage from several angles from which claims can occur during your policy period. Here’s an outline of the coverage:
- General Liability: protects personal trainers from claims for injuries or property damage. With Insure Fitness, you have a $1 million per occurrence and $3 million individual annual aggregate for general liability claims.
- Professional Liability: provides coverage for claims asserting you were negligent in your services and an injury or form of damage occurred as a result. Professional liability claims also come with a $1 million per occurrence and $3 million individual annual aggregate.
- Products Liability: provides protection from an allergic reaction from the use of products in performing your services. You’ll be covered up to $1 million for product liability claims.
- Rental Damage Coverage: provides coverage for damages you or a client caused to a rented space, up to $100,000.
- Stolen Equipment: provides $1,000 worth of coverage for any equipment that’s stolen, less a $250 deductible.
Do you really need professional liability insurance as a personal trainer?
Emphatically, yes. The unfortunate age we live in where personal injury lawyers ads run ad nauseum on TV results in a great many claims being filed against personal trainers. Even if a case is entirely frivolous, legal defense without insurance can be financially devastating. Personal trainer professional liability insurance from Insure Fitness takes away the anxiety surrounding the what-ifs of a future claim. You’ll be covered from the minute you engage with a client, within the 50 United States.
How do monthly Payments with IFG Work?
We know you want flexibility in your budget so we've partnered with PayPal Credit to offer a finance option that let's you pay for your policy monthly. When you choose to pay monthly, PayPal Credit takes the total cost of your policy plus a small service fee and breaks it up over your selected duration.
Using PayPal Credit is subject to a credit check and there is no interest if you pay off your policy within the first 6 months. After 6 months interest fees may apply.
What's the best online personal trainer insurance?
Online insurance options are by far the most convenient for today’s on-the-go professional. We offer the convenience of a 100% online membership portal where you can purchase a personal trainer liability insurance policy and access all of your documents from anywhere in the world (and theoretically beyond) where you have an internet connection.
Are virtual classes covered under insure fitness's personal trainer insurance program?
Yes! As virtual personal training classes continue to increase in popularity, we’ve added online personal trainer insurance coverage for any class conducted via a medium like Skype where live training is being provided. This only wouldn’t apply to any previously recorded fitness instruction such as with a Youtube channel.
Does Insure Fitness offer a plan for personal trainer students?
Absolutely. Because we want to foster the next generation of personal trainers, we offer the same coverage options as with our professional personal trainer policies to students for the low-rate of just $25 for a full year of coverage.
WHAT is occurrence Form coverage?
Occurrence form coverage is based on the premise that, if a claim is filed after your policy expires, no matter when this occurs, as long as the incident occurs during the period when your policy is active, you’re covered. This comes about from the simple fact that some injuries take months or even years to manifest and some clients choose to wait for a time before seeking restitution. Whatever the reason, even if it’s years after your policy has expired, if that incident occurred while the policy was still active, you’ll have the peace of mind of full coverage. Many carriers provide claims-made coverage that only extends coverage beyond a policy’s expiration if additional measures specifically taken to do so. Otherwise, under a claims-made policy, any claim occurring after a policy’s expiration is generally not covered unless you pay extra for a "tail" that will allow you to do so.
Do your coverage options have deductibles?
A great value of our plans lies in the fact that none of our liability coverages have a deductible attached. This means, if you need to file a professional liability claim with us, you pay nothing out of pocket to do so. Only our stolen equipment coverage has a low $250 deductible.
What are some examples of general liability claims for personal trainers?
General liability claims arise from third-party injuries or property damage that occurs from broadly accepting clients and providing your service. Generally referred to a “slip and fall”, an example could be a client slipping on the pile of chalk left on the floor after a split-jerk and breaking their hip. Their medical expenses would fall under your personal trainer general liability insurance provisions. Another example might be where a client is walking out of their appointment and misses a stair on their way causing them to fall and get injured that way.
How much does it cost for personal trainer insurance?
For an entire year of coverage, Insure Fitness Group personal trainer insurance is just $169. We also offer an incredible rate of only $25 per year for personal trainer students.
What are some examples of professional liability claims for personal trainers?
Professional liability is also called “malpractice insurance” as it relates specifically to a claim against the professional service you provided during a session. For example, a student may assert that your spin class was too arduous and led to a torn quadricep or another may say that you pushed them too far down into a front-squat and they hurt their back as a result. With cases like these, Insure Fitness members have the peace of mind of comprehensive professional liability insurance coverage.
What types of exercise workouts/training programs are covered by insure fitness?
Insure Fitness’s personal training and group fitness insurance program covers a wide array of different workout/exercise programs. At present, we provide coverage for more than 40 different programs. Everything from Aquatic Exercise, to Pilates, JazzerciseⓇ, P-90XⓇ, and ZumbaⓇ are all covered under our personal trainer insurance policies. If you don’t see your specific program currently listed, call or click to get in contact with an insurance specialist who may be able to add yours to our growing list.
Does Insure Fitness provide any additional benefits to members?
Yes and yes! We’ve partnered with some of the leading names in the world of fitness to bring our members killer benefits, exclusives, discounts, and early access to a wide variety of different products and services. We’ve also developed vast, members-only libraries of curated content that provides insider tips on everything from running a successful business to motivating a client through a challenging Monday session.
What's the best personal trainer insurance?
The best personal trainer insurance will provide comprehensive coverage options, covers a variety of different programs/workouts, follows you around the country, is affordable, and ideally, should even provide some additional benefits to members as many may never file a claim. Insure Fitness provides robust coverage limits for a variety of different liabilities, covers more than 150 different workout programs, follows you everywhere you train with clients, and also offers tips, discounts, and exclusives from the leading names in fitness, all at the low rate of just $169 per year.
What's a cheap personal trainer insurance policy?
At Insure Fitness, we believe in transparency. That’s why we present our plans side-by-side with our leading competitors so you can see how all of our different coverage options stack up. At just $169 per year, Insure Fitness Group offers some of the most affordable rates, with the best coverage options, of any other carrier out there.
Still have questions about our program or fitness instructor insurance in general? No worries! Insure Fitness Group is available Monday through Friday, from 8:30 AM to 5:30 PM ET. And we have an after-hours line, too! Contact us via online chat, telephone, or email, and we’ll get you the answers you need.