Liability Insurance for Online Training

Get covered with comprehensive liability insurance made just for today's digital fitness pros offering live training sessions to online clientele.

Insure Fitness Group knows that today’s fitness environment requires personal trainers to be both flexible and also accessible to clients. We’ve developed an online fitness instructor insurance program that provides the coverage you need to confidently offer training sessions online.

Whether your virtual personal training career is performed as an employee within a national chain gym, as a sole proprietor, or as a freelance personal trainer working as needed, this coverage will follow you through every exercise, every session, and every client dream realized.

New to fitness insurance? Check out the personal trainer insurance liability guide we developed for help understanding what to look for in a quality insurance program.

Complete COVERAGE,

 no hidden fees,

as low as $17 per MOnth.

Virtual PERsonal trainer policy highlights

  • Instant Coverage.
  • Immediate Certificate. 
  • Professional liability coverage.
  • Coverage for 100+ work-out routines, group fitness programs, and more.
  • Approval for coverage in less than 5 minutes.
  • Mobile coverage, following you in the gym, on-site, wherever you teach.
  • General liability coverage.
  • Stolen equipment coverage.
  • Identity theft protection.

A-rated coverage with no hidden fees! Pay monthly or annually and get signed up in minutes.

To create the best insurance program for online personal trainers, we included generous coverage limits and made sure the plan stayed affordable. Highlights of our tailored virtual fitness instructor insurance plan includes: 

  • General and Professional Liability Insurance: up to $1 million for each claim occurrence and $3 million in total for all claims throughout the year. 
  • Instant Insurance Coverage Online: fill out a quick member application, check out, and that’s it - you’re immediately covered and can pull up your proof of insurance in less than 5 minutes. 
  • Fully Portable Insurance: your insurance plan covers you for both pre-recorded and live-streamed classes within in the United States.
  • Additional Protections Included: smart protection like product liability, stolen equipment, rental damage, and an identity protection plan round out one of the most complete insurance programs available.
  • Member-Only Benefits: get instant access to the Insurance Plus marketplace where you can obtain Dental/Vision add-on insurance, ACA-qualified Health insurance and Telehealth plans starting at a $10 copay. 

With the rise in popularity of online personal training sessions, so too increases the risk of an unfortunate event resulting in a claim being brought against the online trainer. Encompassing online personal trainer insurance acts as a safety net for your finances and your career, letting the trainer focus on providing great online fitness rather than what might happen if an accident were to result in a claim..

What do Online Personal Trainers Do?

Why Would a Virtual Trainer Need Insurance?

Comparing Different Online Personal Trainer Insurance Offerings


You'll receive instant coverage and a proof of insurance certificate via email immediately upon checkout.


Professional + General Liability: $1 million per occurrence, $3 million per year Product Liability: $1 million per occurrence

Flexible Payments 

We've teamed up with PayPal credit to make it easy for you to pay for your policy the way you need.  


You get identity protection, $1,000 of stolen equipment coverage, and fitness-related product discounts.

What else is Covered:


From popular programs and routines like Bodybeast®, cross training, HIIT, and Silver Sneakers®, our online personal trainers have the greatest flexibility when it comes to choosing a program and knowing it’s covered. However, if you don’t see your preferred online fitness program listed, you can talk to our licensed agents about seeing if it can be added to our growing list of covered services.

Get Covered Right Now

Getting online coaching insurance through IFG only takes a few minutes. As soon as you check out, you’ll have access to your full member profile.
  • Encompassing Insurance Coverage:  we cover you with insurance made just for online personal trainers. This means you get the coverage most appropriate for your industry which means being better protected.
  • Flexible Payment Plans: teaming up with PayPal Credit, you can now finance your annual membership into easier to manage monthly payment amounts. Depending on your credit, you can pay as little as $17 a month.
  • Members-Only Benefits Program: make the most of your membership with great discounts from the best names in health and fitness, in addition to access to the Insurance Plus marketplace where you can obtain Health, Vision and Dental coverage at group rates. We value our personal trainers and fitness instructors, and are constantly adding new benefits to add value to your membership.
  • Fitness Routines and Programs Covered by Online Fitness Instructor Insurance: IFG offers some of the very best diversities of different health and fitness programs covered under our online fitness instructor insurance program. With great coverage choices, you have the freedom to choose the best combination of live, online sessions to meet your clients’ needs. 

personal trainer liability insurance

Just a few of our many covered fitness programs include:

  • One-on-one personal training sessions
  • Group fitness instruction 
  • Live aerobics, HIIT, spinning and more!