Fitness Instructor Insurance
Powerfully Crafted Insurance for Fitness Professionals
Affordable Sports & Fitness Business Liability Insurance
Whether you’re a personal trainer, an online yoga instructor, or a youth baseball coach, insurance for sport and fitness professionals helps cover the costs of client injuries, accidental property damage, legal fees, and more.
Gymnastics Coach
Martial Arts
Pilates Instructor
Spin Instructor
Sports Coach
Sports Official
Yoga Instructor
Youth Fitness
Zumba Instructor
Get a FREE sports and fitness business insurance quote online today!
What Is Sports & Fitness Business Insurance?
Fitness liability insurance is a financial parachute for exercise instructors, coaches, referees, and other fitness professionals. It’s designed to shield your business from economic ruin due to client injuries, accidents, and lawsuits.
For example, if a client or athlete gets hurt while training with you, insurance can pay the cost of treating the injury and other related claims or lawsuits. Insurance coverage helps keep your fitness business running smoothly and saves you thousands in out-of-pocket expenses.
Insurance Canopy’s liability insurance provides a wealth of benefits:
- General & professional liability insurance
- Optional coverage add-ons
- Protection for your gear
- Coverage for 100+ teaching styles
- Flexible payment options
- Multiple location coverage
- Affordable fitness business insurance
- Unlimited additional insureds
- Instant Certificate of Insurance
- 24/7 online access to your policy
- Nationwide coverage*
- Exclusive resources to help you run your fitness business — at no extra cost!
*Not currently available in Missouri.
How Much Does Sports & Fitness Liability Insurance Cost?
Our fitness and sport business insurance starts at $15/month — making this the most affordable fitness liability insurance available. You can save an additional 13% per year by choosing an annual plan for $159/year..
Get a customized liability insurance quote and liability insurance coverage today — 100% online in just 10 minutes or less!
What Insurance Do Fitness Instructors & Coaches Need?
Sport coaches, referees, personal trainers, and other fitness professionals need general and professional liability insurance. These are the key coverages designed to pay for the cost of accidents or damages caused by your professional instruction.
We recommend these coverages for sport and fitness professionals:
- General Liability Insurance: Coverage designed to pay for accidental injuries or damages caused by your business, like a broken mirror or a slip and fall
- Professional Liability Insurance: Coverage that helps pay for injuries or damages caused by mistakes and errors in your services or instruction, like giving inaccurate advice or being negligent
- Additional Insureds: A third party added to your policy, like a gym owner, a building manager, an event organizer, or another business that hires you as an independent contractor
- Gear and Equipment Coverage: An optional coverage that helps pay for repairs and replacements for stolen or damaged gear
- Cyber Liability Insurance: An optional coverage that helps pay for damages caused by data breaches and other cyber attacks on your business
- Diet & Nutrition Coverage: An optional coverage designed to cover the nutritional work you do, such as food, nutrient, or meal prep education
- Occurrence Form Coverage: Allows you to file a claim for injuries or damages that occurred during your policy period, like a minor ankle sprain during a session that causes a bigger health concern for a client years later.**
Create a customized fitness instructor insurance policy that works for you!
What Does Sport and Fitness Insurance Cover?
Insurance for sports and fitness professionals covers unintentional harm done to others and/or others’ property. Common claims and types of damages covered include:
- Slip-and-fall accidents
- Client, student, and athlete injuries or death
- Damaged property
- Allergic reactions
- Accusations of negligence
If your client is injured and unable to work, you may be held responsible for medical bills, lost wages, and even emotional damages. And if a client accidentally dents a wall or breaks a mirror in a space you rent, you could be responsible for those repairs. Insurance helps you pay the costs of things like this.
Even if you have participants sign a waiver, you can still be named in a lawsuit — and waivers can’t help you pay the legal expenses to defend yourself. But your insurance policy can.
Plus, Insurance Canopy policies work where you do, so you’re covered if you work in multiple facilities, cities, states, or train in person, online, or both. One policy also covers you if you teach or coach multiple fitness types and/or non-contact sports.
Why Choose Insurance Canopy?
We Have A (Nearly) 5 Star Rating
-
Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
-
Thank you so much
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
Coverage Details
General & Professional Liability Limits
$3,000,000
$3,000,000
The amount your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
Included
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$0
Optional Add-Ons
Price
$1.33–$5.55/month
The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$8.25/month
$6.83/month
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$15–$30/year
Coverage for defense costs if you’re wrongly accused of sexual harassment or improper conduct.
$10.33/month
Common Questions About Sport & Fitness Instructor Insurance
Do Group Fitness Instructors Need Insurance?
Yes, group exercise instructors need insurance — as do online trainers, sport coaches, and sports officials like umpires and referees. If you lead outdoor community workouts or teach classes as an independent contractor at gyms or rec centers, you need insurance for group fitness instructors.
Accidents happen, and sometimes equipment breaks, participants get hurt, or students unintentionally hurt each other. It’s crucial to have coverage for moments like these.
What’s the Difference Between Instructor Insurance and Gym Insurance?
The difference between instructor insurance and gym insurance is whether or not you own the property where you train.
- Gym insurance (property insurance) is designed to insure buildings you own and use for your fitness business.
- Instructor insurance (liability insurance) is designed to insure the work you do and the services you provide. It helps pay for claims or lawsuits caused by your instructions or business operations.
Trainer and coach insurance focuses on general and professional liability coverage. This means it primarily applies to claims related to injuries or damages your services cause other people and their property.
This policy does not include the same protection as property insurance. It only includes coverage for some claims that occur in properties you rent (not own) under the Damage to Premises Rented to You coverage.
Is Equipment Damage (Balls, Nets, Weights, Mats) Covered?
Your equipment is not automatically covered under a standard liability policy, but gear and equipment coverage is available as an optional add-on coverage. You can use it to insure the things you own and take with you to teach classes, lead practices, or use to record virtual fitness content.
This coverage is best for trainers and coaches who travel to multiple locations with their gear or have invested in equipment for an online business. It’s also suitable for instructors who teach at retreats or special events where they need to bring their own gear.
Our Gear & Equipment Coverage has three tiers, offering up to $2,000, $5,000, or $10,000 in protection. Choose the best coverage for you for only $1.33-$10.67/month. It’s available to add to new policies during the checkout process or to an existing policy through your online dashboard.
Can I Get Fitness Instructor Insurance on a Monthly Basis?
Yes, you can get sports and fitness liability insurance on a monthly basis for as low as $15/month with Insurance Canopy! Simply begin the quick quote process. Select the “pay monthly” option at checkout to secure your fitness instructor insurance today.
Does This Fitness Policy Cover Barre Instructors?
Yes! Whether you’re a barre instructor, personal trainer, an online yoga instructor, or a youth baseball coach, insurance for sport and fitness professionals helps cover the costs of client injuries, accidental property damage, legal fees, and more.
Does This Insurance Cover Me if I Coach or Officiate at Tournaments, Camps, or Special Events?
Yes! Insurance Canopy covers sports coaches and officials at tournaments, camps, and special events. However, our policies do not cover them at the collegiate, semi-pro, or professional levels.
Do I Need Insurance if I Only Coach Part-Time or Volunteer?
Yes. Even part-time or volunteer coaches can be held liable for injuries and other accidents that happen under their supervision. If you coach within a league or other organization, they may have liability insurance that extends to you, but it’s not guaranteed.
Do I Need Insurance if I’m Employed by a League?
You need liability insurance no matter who you work for or with. However, some leagues may include coaches on their own liability policy. But every organization is different, so it’s important to check with your league before assuming they do or do not cover you.
*Not currently available in Missouri.
**All customers who purchased a policy before 7/1/2024 will have a policy issued through Great American Insurance. This policy does not include occurrence form coverage and will be eligible to receive it after 7/1/2025.
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