Insure Fitness Group Vs. Philadelphia Insurance

Finding the right insurance as a fitness professional is more than just comparing prices—it’s about ensuring your career is protected with comprehensive coverage that fits your unique needs. In this guide, we compare Insure Fitness Group (IFG) and Philadelphia Insurance Companies (PHLY). 

While both providers offer options for fitness professionals, one clearly rises above the rest when it comes to affordability, its fitness industry-specific coverage, and ease of use. Let’s look into the details to see why Insure Fitness Group might be the best choice for your fitness career.

Insure Fitness Group

versus

Philadelphia Insurance

See How We Stack Up Against the Competition

Insure Fitness Group

At Insure Fitness Group, we focus on insurance specifically for health and wellness professionals. We offer general liability, professional liability, identity protection, personal injury, and advertising injury all bundled into one policy that also covers you an array of other wellness professions like yoga and Pilates instruction, all the way to massage therapy. Our policies are designed with your personal training needs in mind.

Click Below To Review IFG’s Benefits:

Unlike many other insurance providers, Insure Fitness Group specializes in the fitness industry. This means we know the risks you face and offer coverage that’s as strong as your workout routine.

Claims are covered even after your policy expires, as long as the incident happened during the policy period. This feature alone makes Insure Fitness Group a top choice for trainers.

Get access to industry-specific resources, discounts on fitness products, and even identity protection up to $25,000. These perks aren’t just add-ons—they’re essential tools to help you build and protect your fitness business.

Insure Fitness Group has plans starting at $189/year for trainers and $65/year for their students. It makes it easy to get coverage without breaking the bank.

Insure Fitness Group automatically covers professionals in an array of modalities and wellness professions; from personal training to massage therapy, yoga instruction and more

Philadelphia Insurance

Philadelphia Insurance provides coverage for fitness professionals, offering general and professional liability insurance along with options for virtual training. While they cover a range of fitness careers, their policies often come with added fees and membership requirements that can make things more complicated. Unlike some providers, their focus is broader, catering more to fitness facilities rather than individual trainers. If you’re looking for straightforward, fitness-specific insurance with no hidden costs, it’s important to compare options carefully to find the best fit for your needs.

Click Below To Review Philadelphia Insurance’s Benefits:

 

  • Certified Trainers: $172/year (including a $50 Risk Purchasing Group fee)

  • Non-Certified Trainers: $232/year (including a $50 fee)

  • Additional pricing tiers for specialized roles: (Philadelphia Insurance requires a risk purchasing fee of $50 for its yoga full-time professional policy.).

    • While PHLY’s base rates may appear competitive, additional fees make it pricier for broader coverage or higher limits.

  • Philadelphia Insurance’s FWI premium costs $294 per year for coverage.

 

  • Virtual Training Coverage: Supports online fitness sessions.

  • Specialized Programs: Offers targeted options for yoga studios, Pilates instructors, martial arts, and more.

  • Risk Management Services: Includes site surveys, safety program development, and training.
  • Claims Management Portal: Streamlines claims reporting and offers dedicated industry-specific claim units.
  • Membership Requirement: Philadelphia Insurance’s FWI program requires individuals to become members of the IDEA Health & Fitness Association to purchase coverage.
  • Complex Pricing Structure: Pricing and coverage details often require consultation, which may delay decision-making.
  • Business-Oriented Focus: PHLY’s offerings are better suited for large fitness facilities than individual trainers, potentially making it less convenient for personal trainers.

Coverage Details

Policy Perks

Get Insured Today

One Year Policy
$ 189
  • Purchase In Three Minutes

Key Features & Benefits Face-off

Insure Fitness Group

  • Tailored Policies

    Specifically designed for fitness professionals.

  • Comprehensive Coverage

    Includes general liability, professional liability, identity protection, and personal and advertising injury coverage.

  • Per Occurrence Coverage Limits

    Up to $1 million per occurrence and $3 million aggregate.

  • Instant Coverage

    Get insured on the spot so you can focus on what you do best—training your clients!

  • Zero Fees for Modifications

    Need to adjust your policy? No problem—do it without any extra charges.

Philadelphia Insurance

  • Membership Requirement

    Philadelphia Insurance’s FWI program requires individuals to become members of the IDEA Health & Fitness Association to purchase coverage.

  • Risk Management Services

  • Includes site surveys, safety program development, and training.
  • Coverage Limits

    $1 million per occurrence, $3 million aggregate for certified trainers.

  • Specialized Programs

    Offers targeted options for yoga studios, Pilates instructors, martial arts, and more.

Coverage Limits Comparison

Insure Fitness Group

  • General & Professional Liability:
    Up to $1 Million Per Occurrence;
    $3 Million Annual Aggregate
  • Identity Theft Protection:
    Up to $25,000
  • Personal Injury & Advertising Injury:
    Covered Up To $1 Million
  • Occurrence Form Coverage:
    You’re Covered For Incidents Even After Your Policy Expires.

Philadelphia Insurance

  • Philadelphia Insurance Coverage Limit: $1 million per occurrence, $3 million aggregate for certified trainers.
  • Virtual Training Coverage: Supports online fitness sessions.


    Specialized Programs: Offers targeted options for yoga studios, Pilates instructors, martial arts, and more.

Why Coverage Matters: Protect Yourself and Your Career

As a fitness professional, you dedicate yourself to helping clients achieve their goals—but what happens when the unexpected occurs? Business insurance, containing both general and professional liability, is necessary for safeguarding your fitness career against unexpected legal and financial challenges. Comprehensive insurance coverage isn’t just a safety net; it’s a necessity for your career and financial stability.

  • Personal Trainer Insurance: Your First Line of Defense: When choosing personal trainer insurance providers, it’s important to evaluate companies like Insure Fitness Group and Philadelphia Insurance to determine who offers the most comprehensive protection tailored to the unique risks of your profession. Personal trainer insurance protects trainers against potential liability from client claims, ensuring you’re not left financially vulnerable. Many gyms require personal trainers to carry this insurance to work on-site, emphasizing its importance in the industry.
  • General Liability Insurance: Guarding Against Accidents: General liability insurance is important for every personal trainer as it covers claims of bodily injury that can occur during training sessions. This form of insurance acts as your first line of defense against the unexpected. Whether a client trips over equipment or sustains an injury while training, general liability coverage assures that you are protected from the potentially crippling financial burden of legal fees and settlements; without this fundamental coverage, you would be personally responsible for these costs, which can be substantial enough to jeopardize your career and financial stability.
  • Professional Liability Insurance: Protecting Your Expertise: When claims of negligence or improper guidance arise, professional liability insurance provides important protection. This type of coverage is tailored to fitness professionals, shielding you from claims tied to professional services—whether it’s an injury during an advanced movement or advice that didn’t yield the expected results.
  • The High Stakes of Uninsured Training Sessions: Without personal training insurance, accidents during training sessions can quickly escalate into costly legal battles. Even a minor injury could result in thousands of dollars in legal fees and settlements. Comprehensive coverage allows you to focus on what you do best—helping clients transform their lives—without the constant worry of what could go wrong.

By investing in the best personal trainer insurance here, you’re not only meeting gym requirements but also protecting yourself from the financial and legal risks that come with the job. Insure Fitness Group takes this a step further by offering tailored coverage with high limits, immediate activation, and additional benefits so you can train with confidence.

Trusted by more than 200,000 professionals

Thousands of fitness instructors trust us to protect their careers, and we’re proud to deliver the coverage and peace of mind they deserve. With an average Trustpilot rating of 4.9/5, we’re honored to have earned an Excellent score from our community.

Here’s what some of our members have to say:

Ready to Protect Your Fitness Career?

Don’t let unexpected legal fees or medical expenses throw your career off track, get coverage from Insure Fitness Group. Our policy, made for your fitness career, gives you peace of mind. It offers comprehensive protection.

Coverage Details

Policy Perks

Get Insured Today

One Year Policy
$ 189
  • Purchase In Three Minutes