Protect your fitness career with $189/year liability coverage built for real-world risks. 500+ Techniques Covered, Including Online Training. Affordable and Same-Day Coverage.
$189/YEAR
With Insure Fitness Group, personal trainers and fitness instructors in the Sunshine State can secure comprehensive coverage for just $189 per year. Our policy saves professionals up to 40% compared to other providers and can be purchased online in less than three minutes.
We built this policy around the real risks fitness professionals face every day—like a client dropping a weight on their foot, slipping off a Pilates reformer, or tripping over equipment and needing medical care. These incidents happen more often than many realize, and the right coverage ensures you’re protected when they do.
While we hope you never have to file a claim, you can feel confident knowing we’ll be there to support you every step of the way.
Insure Fitness Group stands out from other insurance providers because we offer not only one of the most affordable options, but also provide occurrence form coverage. This is a type of coverage that covers claims related to incidents that happened during your policy period, even if your policy has expired.
Wouldn’t knowing that you’re protected—even if you no longer have an active policy with us—provide you with the ultimate peace of mind?
There are two primary types of liability insurance: professional and general liability insurance. They are both necessary for every fitness professional.
General liability insurance: Commonly known as a "slip and fall" insurance policy, general liability insurance covers injuries that occur on your premises that are not directly related to your professional services. For instance, if a client trips and breaks their ankle on an uneven surface in your gym, this type of insurance would protect you from the resulting claims.
Professional liability insurance: Also known as malpractice insurance, professional liability insurance protects you against claims arising from actual or alleged professional negligence. For example, if a client drops a barbell and injures themselves during a workout under your supervision, this coverage would protect you.
These coverages protect professionals from liability for non-physical injuries or damages resulting from actions like defamation, false arrest, invasion of privacy, and copyright/trademark infringement in advertising and marketing. This is an additional coverage type that is included in an IFG policy.
Identity theft is an increasing threat. Identity Theft Protection assists in covering the expenses related to recovering your identity should it be compromised, ensuring your personal and professional identities are secure. This is an additional coverage type that is included in an IFG policy.
*MM = Million
No Quotes. No Hassle.
Don’t wait for coverage or quotes, buy instantly with our secure online checkout.
Real claims Florida trainers face—from Miami Beach permits to Orlando park classes and 55+ communities. These scenarios show why $189/year is the smartest investment for your Sunshine State fitness career.
Scenario: During a sunrise bootcamp on the sand, a resistance band snaps mid-drill and a client sustains a shoulder injury requiring surgery and rehab.
Coverage: Professional liability covers financial fallouts from lawsuits related to professsional services. Fast COIs with Additional Insured wording commonly requested for Miami Beach park/shoreline activity permits.
Scenario: A summer thunderstorm triggers lightning alerts. While relocating your bootcamp, a participant trips over a kettlebell and breaks their wrist, missing six weeks of work.
Coverage: General liability responds to bodily injury from slip/trip hazards during class operations. COIs available to meet common Orange County Parks & Recreation requirements for group fitness.
Scenario: You’re training a hotel guest near the theme parks. During a superset, the guest stumbles during sled pushes and suffers a knee injury, leading to time off work.
Coverage: General liability covers third-party bodily injury at resort and hotel fitness centers. On-demand COIs naming the property as Additional Insured help satisfy vendor access and risk management protocols.
Scenario: On a high heat index day, a client develops heat exhaustion during intervals. EMS is called and the client later alleges inadequate breaks and hydration guidance.
Coverage: Professional liability addresses allegations of negligent programming, monitoring, and environmental risk management—especially relevant during Florida heat advisories.
Scenario: A resident alleges your deadlift cues caused a herniated disc and months of physical therapy, plus lost wages from part-time work.
Coverage: Professional liability protects against claims tied to instruction, technique, and supervision. COIs often requested by 55+ community rec centers are available quickly.
Scenario: A fraudster uses your stolen personal data to open a credit card and make large purchases before you notice, impacting your ability to book venues and vendor passes for Florida gigs.
Coverage: Identity theft protection helps reimburse covered costs related to identity fraud affecting you as the insured, including certain expenses incurred while restoring your accounts and credit profile.
The average liability claim in the fitness industry costs $25,000. For just $189/year, get Florida-ready personal trainer liability insurance coverage with quick COIs for parks, resorts, and community centers—so you can focus on coaching.
Get Instant Coverage Now
Yes, personal trainers absolutely need to have their own insurance even if you work for a gym that provides you with coverage.
According to a 2023 study published by the Bureau of Labor Statistics, 27% of weightlifters in the last six months experienced an injury to their shoulders, knees, or wrists.
Your clients trust you as their personal trainer to ensure their safety during a session, but accidents can happen to even the most experienced professionals in the most controlled environment.
Getting insured by Insure Fitness Group means you’re not just investing in a safety net; you’re enhancing your clients’ trust in your services. This level of trust helps build loyalty with your clients, establishes your rep as a responsible fitness pro, and can help you stand out from other personal trainers.
Our Personal Trainer Insurance Coverage isn’t just another policy; it’s a cornerstone for your fitness career, crafted to navigate the complexities and challenges of the personal training industry. It ensures you’re fully equipped to focus on your clients’ transformation journeys while safeguarding your professional practice.
We champion the ongoing education and upskilling of our clients. Our policy includes access to discounted Continuing Education Units (CEUs), keeping you at the forefront of fitness trends, techniques, and industry standards and propelling your professional development.
Our comprehensive policy meets the insurance requirements of personal trainers across all 50 states, offering protection regardless of your location. This nationwide coverage ensures you comply with state-specific regulations as you expand your reach.
If you're an online or hybrid trainer, we're proud to cover fitness pros like you all across the U.S. Your policy safeguards all your online live training sessions at no extra cost. Any in-person sessions are also protected, so you can enjoy comprehensive peace of mind no matter how you teach.
Slip and fall accidents are more common than you'd think in the fitness industry - whether it's a wet floor or just an accidental trip over equipment, clients can be hurt under your watch and you could be held liable.
Clients come to you to be pushed and motivated, but overdoing it can cause muscle strains or other injuries. Our insurance covers claims related to injuries caused during sessions, so let us take that burden so you can focus on helping your clients meet their goals.
Even if you're not physically with your client, you could still be held liable for accidents that happen from your online training sessions either live-streamed or pre-recorded.
Exercise equipment can and will break down, posing an injury risk to your clients. Whether it's fault of the equipment or the client, a lawsuit could arise. With Insure Fitness Group, you'll always be financially protected.
Cyber crimes are real and they are on the rise. Protect yourself and your data with $25,000 of our ID Theft Protection that comes complimentary with every policy.
The Sunshine State’s fitness industry is growing fast—perfect for personal trainers and others looking to turn a passion for fitness into a career. According to the Bureau of Labor Statistics, Florida ranks among the top 10 states for employment of fitness trainers and instructors. Learn the steps to kickstart your fitness career with our guide on how to become a personal trainer in Florida.
While the state does not mandate licensing requirements for personal trainers or fitness instructors, earning a nationally recognized certification is still the smart move. Employers prefer certified professionals, clients trust documented credentials, and formal training helps reduce risk because you’re prepared to coach safely.
Before you choose a certification, make sure you meet the baseline standards most certifying organizations expect:
Age: At least 18 years old
Education: High school diploma or GED
Safety Training: Current CPR/AED certification (typically with a hands-on component)
Once you’ve checked these boxes, you’re ready to compare certification programs, prepare for your exam, and start building experience in Florida gyms, studios, or private practice.
Florida doesn't require a specific license to become a trainer, but earning your certification from a trusted provider demonstrates your knowledge to potential clients and employers.
Insure Fitness Group recommends top certifying bodies like ASFA (American Sports and Fitness Association, NETA (National Exercise Trainers Association), and NASM (National Academy of Sports Medicine).
While earning your certification is important, you can't beat real-world experience. Practical knowledge helps you stand out from the rest and bring in new clients.
We recommend job shadowing, internships, or even starting out as a part-time instructor.
Local gyms are a great way to get your foot in the door, providing valuable experience to kickstart your fitness career.
Once you're off the ground with a certification and experience, you'll need to think about what's next.
First, you'll want to find your training niche. Florida is a large state with a diverse fitness-minded population. What's popular in your county? Do you prefer training one-on-one or group fitness?
From there, learn how to market yourself as a personal trainer. Even a basic website goes a long way to build your reputation. Social media is perfect for showing off your training services and client results.
According to the Bureau of Labor Statistics, Florida's exercise trainers and group fitness instructors earn an annual mean wage of $44,710.
Pay varies by city, certification, experience, and whether you train in a gym or privately. Current snapshots:
Certification/specializations, client mix (gym floor vs. private/corporate), and metro differences (e.g., Miami/Orlando vs. smaller markets) all move the needle.
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.
