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Compare the Best Personal Trainer and Fitness Liability Insurance

See how Insure Fitness Group stacks up with other insurers.

Our policy offers Occurrence Form Coverage instead of Claims-Made Coverage*. With IFG, you’re covered for any accidents that happen while you’re insured, even if you make a claim after your policy lapses.

Our policy offers the best mix of coverage for most trainers, all at an affordable price. We’re open and honest about our $189 rate – too many insurers hide their real price behind long, invasive applications. These rates you’ll see below are the lowest advertised, but those can quickly spike as soon as you go beyond the most basic coverage.

We’re also proud to offer the most flexible insurance policy in fitness; your coverage will follow you across all 50 states at no extra charge. If you’re an online trainer, we’ve got your back for live and recorded instruction too.

Insure Fitness Group

$ 189 Per year
  • Professional Liability Insurance Coverage (Malpractice):
    $1M Per Occurrence
    $3M Annual
  • Occurrence-Form Coverage
  • Identity Protection Plan
  • Immediate Coverage
  • Access to Health, Vision and Dental Insurance
  • Monthly Payments Available

Hiscox
Insurance

$ 270 Per year (starting price)
  • Professional Liability Insurance Coverage (Malpractice):
    Varies by state
  • Not Occurrence-Form Coverage
  • Identity Protection Plan
  • Immediate Coverage
  • No Access to Health, Vision and Dental Insurance
  • Monthly Payments Available

Insurance Canopy

$ 159 Per year (starting price)
  • Professional Liability Insurance Coverage (Malpractice):
    $2M Per Occurrence
    $3M Annual
  • Occurrence-Form Coverage
  • Identity Protection Plan (extra cost)
  • Immediate Coverage
  • No access to Health, Vision and Dental Insurance
  • Monthly Payments Available (more expensive)

K&K
Insurance

$ 194 Per year (starting price)
  • Professional Liability Insurance Coverage (Malpractice):
    $1M Annual
  • Occurrence-Form Coverage
  • No Identity Protection Plan
  • Immediate Coverage
  • No access to Health, Vision and Dental Insurance
  • Monthly Payments Available

Next
Insurance

$ 132 Per year (starting price)
  • Professional Liability Insurance Coverage (Malpractice):
    Varies by state
  • Occurrence-Form Coverage (General liability only)
  • No identity Protection Plan
  • Immediate Coverage
  • No access to Health, Vision and Dental Insurance
  • Monthly Payments Available

Occurrence Form Coverage Included

Occurrence form coverage allows you to file a claim for an event that happens when your policy is active but after it has expired. For example, your policy expires on December 31st, but a client who attended a class several weeks before will wait until January 1st to file a claim. The claim occurred while your policy was active, but without occurrence form coverage, your insurance carrier will most likely not honor the claim. Insurance carriers that say you have to file a claim while the policy is active for it to be covered use what’s known as a claims-made policy. Be careful, 40% of the carriers in our comparison do not use occurrence form, even though this is the industry’s preferred coverage. 

  • IFG
  • K&K
  • Next
  • Insurance Canopy

Identity Protection Plan Included

Today’s business environment necessitates using technology but this opens you up to a cyber incident putting your identity at risk. We produce personal trainer insurance for the real world and provide a full $25,000 to use towards identity recovery services if your identity is ever stolen. Most other insurers don’t offer this at all; even if they do, it’ll cost you extra.

Personal Trainer Student Insurance Available

Training to become a personal trainer can be intense. You will be required to learn various subjects in a relatively short time before jumping right in with clients. Knowing that students are the next generation of fitness leaders, we provide our full personal trainer insurance program to students at a discounted rate of only $65. Other insurers may offer a student rate but tack on additional fees.

Insurance Made for Just for Fitness Pros

Our personal trainer insurance program was designed for fitness professionals by fitness professionals. We know this industry, and with that expertise, we crafted a program that simply makes sense for our professional fitness members. We combine incredibly comprehensive coverage, great membership benefits, and affordability all in one well-crafted package. 

Insure Fitness Group

$189
Cost Per Year
  • Professional Liability Insurance Coverage
    $1M Per Occurence, $3M Aggregate
  • Occurence-Form Coverage
    Yes
  • Immediate Coverage
    Yes
  • Identity Protection Plan
    $25,000
  • Monthly Payment Option Available
    Yes
  • Access to Affordable Health, Dental, Vision Insurance
    Yes
  • Other Considerations
    Includes online training coverage and over 500 other practices; policy valid in all 50 states
Best Option
Get in Touch

Contact Us Now

Still have questions about our program or personal trainer insurance in general? No worries! Insure Fitness Group is available Monday through Thursday from 8 AM to 7 PM ET. On Fridays, we’re open from 9 AM to 7 PM ET. Leave us a message after-hours and we’ll get back to you ASAP! Contact us via online chat, telephone, or email, and we’ll get you the answers you need.

800-379-7799
info@insurefitness.com