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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.
| IFG | Hiscox | Insurance Canopy | K&K | 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 | Additional Cost | ||||
| 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) | $180/YEAR (Starting Price) | $194/YEAR (Starting Price) | $269/YEAR (Starting Price) |
We’re proud to offer the most valuable fitness instructor insurance in the industry at just $189 per year. A similar policy with Hiscox could cost you $270 or more per year, without the same level of protection or benefits we provide. This includes access to health, vision, and dental insurance as well as occurrence-form coverage.
The latter is especially important; with our occurrence-form coverage, you’re covered for any claim related to incidents that happened while you were insured with us, no matter when the claim is actually filed.
With Hiscox (and many other insurers), you’re only covered for claims made while you’re actively insured. If a client is injured while your policy is active -but makes the claim the day after it expires- you’d be out of luck and out of pocket.
Hiscox also can’t match the breadth of freebies and industry discounts offered by Insure Fitness Group, like a free website, business guides, exclusive savings on leading fitness certifications and so much more.
Lastly, Hiscox isn’t as transparent with its pricing. The quoting process can take up valuable time, and your rate can vary depending on where you live and how your business is structured. Not with Insure Fitness Group. We offer the industry’s most valuable coverage at an affordable rate, no matter how you teach.
Purchasing your Insure Fitness Group membership gets you so much more than our top-rated insurance. Each of our members can rest easy with a complementary $25,000 in identity theft protection, in addition to exclusive access to our health, vision and dental insurance marketplace.
While Insurance Canopy offers a low entry price of $159 per year, the costs of value-added protection can quickly ratchet up the price. They also don’t offer the same benefits IFG does, like a free website, downloadable business tools, discounted certifications and more.
No other insurer can match the value of Insure Fitness Group. No quotes, no waiting for coverage to kick in, and no hassle. That’s just how it should be.
At a glance, Insure Fitness Group offers a more affordable rate than K&K ($189 vs $194). Our membership also provides more protection, with a $3M annual limit for professional liability coverage compared to K&K’s $1M.
We also offer several coverages they don’t, like identity theft protection and access to our health insurance marketplace.
K&K also doesn’t offer the wealth of benefits you can only find at Insure Fitness Group. Our members enjoy a free business website, downloadable books and tools to grow their brand, and discounts on leading fitness certifications and equipment. You won’t find a single other insurance company that does what we do.
Next Insurance advertises a starting rate of $132 per year for personal trainer insurance. It’s like the old adage says: you get what you pay for.
You’d be missing out on important coverage like identity theft protection and occurrence-form coverage for your professional work. If you want to add protection to match our policy, your costs can soar well beyond that starting price.
Additionally, Next uses a long quote process with a number of detailed questions about your business, all without being up front about what you’ll actually pay until you share your information. We do things different at Insure Fitness Group – you can get insured in five minutes or less. We aren’t shy about our $189 rate, and we don’t require you to fill out a detailed application to know it.
Next also requires applicants to fill out a waiver, otherwise you cannot purchase their insurance. Not with Insure Fitness Group.
IFG partners with the biggest names in fitness to bring you discounted certifications and equipment, a free website, and more.
Learn More ›
We’re also proud to offer the most flexible insurance policy in fitness; your coverage follows 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. No matter how or where you teach, you get the same low rate.
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.
Insurance Programs Using Occurrence Form
Insurance Programs Not Using Occurrence Form
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.
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.
When you protect your career with IFG, you also unlock a number of exclusive discounts and freebies. We’ve partnered with leading fitness organizations like ASFA, NETA, NPTI, the Pilates Method Alliance, Les Mills and countless others to bring you the best prices on certifications.
That’s not all – enjoy big savings on car rentals through Budget and Avis, plus great discounts at UPS, Lenovo, Office Depot, Hotel Engine and more.
You’ll also get immediate access to a free website built just for your business, plus a free month of online therapy through betterhelp.
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.
Protect your career with our all-inclusive insurance policy that covers over 500 modalities automatically at no extra cost. Enjoy extensive liability coverage, member benefits, and dedicated support, all for less than the cost of a monthly streaming service.
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.
The Liability master policy is issued to the Healthcare Professionals Purchasing Group, LLC. The Identity Protection Plan is powered by Identity Fraud, Inc., Walnut Creek, CA, whose members include members of Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. is the insurance partner for Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc., a 50-state licensed broker, is the broker for all coverage under Healthcare Professionals Purchasing Group, LLC. Gallagher Affinity Insurance Services, Inc. also serves as excess and surplus lines broker for Healthcare Professionals Purchasing Group, LLC. Professional Liability and Commercial General Liability coverage under Healthcare Professionals Purchasing Group, LLC is underwritten in the surplus lines market by an A rated (Excellent) insurance company, per A.M. Best Company. Persons insured by surplus lines companies are not eligible for recourse through any state guarantee fund for the obligations of an insolvent insurer. Healthcare Professionals Purchasing Group, LLC is for health, wellness and beauty professionals and students created for the purpose of providing valuable and important benefits and services to its members. Healthcare Professionals Purchasing Group, LLC is not an insurer. 8430 Enterprise Circle Suite 200, Lakewood Ranch, FL 34202.
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