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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.
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.
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.
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.
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.
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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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