When it’s time to compare personal trainer insurance, the variety of options can feel overwhelming. As a fitness professional, you know insurance for personal trainers is essential, but how do you pick the right personal trainer insurance provider? That’s why we’ve crafted this guide to help you navigate the fitness industry’s insurance landscape. Whether you’re exploring professional liability insurance, general liability coverage, or a complete personal trainer insurance policy, we’ll break down what top insurance providers offer—so you can protect your fitness business with confidence.
| 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) |
Member Benefits and Discounts
Who doesn’t want to save money while securing top-tier personal trainer insurance? At Insure Fitness Group, we go beyond offering comprehensive professional liability coverage and general liability insurance—our personal trainer insurance policy includes exclusive perks no other personal trainer insurance providers match. Fitness professionals enjoy instant coverage plus hundreds of dollars in savings on career essentials, like online continuing education courses and advanced certifications. When you compare personal trainer insurance options, you’ll see our liability insurance for the fitness industry stands out, giving your fitness business unmatched value and protection.
Purchase Coverage with a Live Representative
While purchasing personal trainer insurance online has become the standard, some individuals still value the opportunity to speak with a live representative for questions or to complete their purchase over the phone. Among the providers compared here, Insure Fitness Group is the only one that offers this option. NEXT Insurance, Insurance Canopy and K & K Insurance only allow online purchasing. So if you prefer to discuss your insurance needs directly with a representative and complete the purchasing process over the phone, Insure Fitness Group is your only option.
Coverage in all 50 States
When selecting personal trainer insurance, it’s crucial to understand how coverage varies by state among providers:
Given these differences, it’s essential to verify state-specific coverage details with each provider to ensure your insurance meets your operational needs.
Policy Options for Students
Insure Fitness Group is the only insurer that offers a policy for students enrolled in a training program to become a certified personal trainer and/or fitness instructor. Priced at just $65, our student policy provides the same comprehensive coverage limits as the professional policy. Best of all, it remains active for a full 365 days, regardless of your graduation date.
Our policy offers the best mix of coverage for personal trainers at one affordable cost. 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 advertised by other providers appear low, but quickly add up as soon as you start to fill out an application.
Insure Fitness Group is ideal for dual-wellness professionals as our policy covers you beyond just personal training: from massage therapy to yoga instruction, cosmetology to group fitness and Pilates; you’re covered in 500+ modalities automatically and for no extra cost.
Additionally, the perks of our policy like our occurrence form coverage (A.K.A coverage for after expiration) and exclusive member discounts can’t be beat.
Our group fitness insurance covers a multitude of exercise programs, along with hundreds of other wellness practices like massage therapy and cosmetology. Check out our who we cover page to see the 500+ modalities our policy automatically covers.
Our policy was designed to cover not only various techniques in the fitness industry, but also dual-professionals in the complementary medicine industry. From personal training to Pilates and yoga instruction, group fitness all the way to massage therapy and cosmetology, you’re covered in 500+ modalities automatically.
Occurrence form coverage is the preferred coverage type because it provides protection against claims, even after your policy has expired.
How does that work?
Regardless of when a claim is filed, if the qualified incident occurred during your policy period, our insurance would still provide you with coverage.
No matter where you train in the US, from home visits to online training, your Insure Fitness Group policy will follow you. As long as your providing services in the US, your policy will provide you with full peace of mind, so you can focus on providing the best possible services to your clients.
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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