Insurance Canopy’s Covered and Excluded
Fitness Training Styles
Looking to get insured and start training clients? Find out if your style of training is covered under Insurance Canopy’s fitness instructor policy. Check if you qualify below!
✅ Covered Fitness Training Styles
These fitness instructors can qualify for Insurance Canopy’s fitness instructor insurance coverage:
- 1-on-1 Personal Trainers
- Aerobics Instructors
- Barre Instructors
- Barry’s Bootcamp Instructors
- Boot Camp and HIIT
- Instructors
- Cardio Kickboxing Instructors
- CrossFit Instructors
- Dance Instructors
- Dancercize Instructors
- F45 Instructors
- Golf Instructors
- Group Exercise Instructors
- Gymnastics Coaches
- Indoor Rowing Instructors
- Jazzercise Instructors
- KINRGY Instructors
- LaBlast Instructors
- Online and Virtual Instructors
- Orangetheory Fitness Instructors
- Physique Fitness Trainers
- Pilates Instructors
- SilverSneakers Instructors
- Spin Instructors
- Step Aerobics Instructors
- Tai Chi Instructors (non-contact)
- Yoga Instructors
- Zumba Instructors
❌ Excluded Teaching Styles
These styles cannot qualify for Insurance Canopy’s fitness instructor insurance coverage:
- Aerial Yoga
- Aqua Therapy
- Certified Athletic Trainers Affiliated With Organized Sports or Athletic Team(s)
- Cycling or Mountain Biking (other than stationary)
- Law Enforcement, Public Safety, or Military Training Programs
- Martial Arts or Physical Contact Training
- Medical Professional Services (such as medical, therapy, or health care service)
- Pole Dancing, Pole Fitness, and Exotic Exercise
- Water Fitness Trainers
Not seeing your fitness training style here? If it’s not on our Covered Training Styles List, contact us! We’d love to help you get covered.
Why Insurance Canopy for Your Fitness Instructor Insurance Policy
Level up your fitness instruction with Insurance Canopy’s comprehensive coverage.
Our Benefits:
- Excellent-rated carrier
- Low-cost premiums with high limits
- Monthly or annual payment options
- Certificate of Insurance at checkout
- Online dashboard for 24/7 policy access
- One policy covers 100+ fitness modalities
- Essential liability coverage with optional add-ons
- Multiple options for gear and equipment insurance
- On-the-go coverage — teach at multiple locations!
Save up to 19% a year*
on fitness instructor insurance with Insurance Canopy!
*On average, a new policyholder may pay 19% less in yearly premiums with Insurance Canopy when compared to other popular fitness insurance policies.
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.
$100
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
(Nearly) 5-Star Rated Fitness Insurance Coverage
Let our happy policyholders convince you
-
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024 -
Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024Always easy to use! Thank you!
CahillandDelene
July 12, 2024Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024 -
I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024Thank you so much for the wonderful service. It is alway so easy to renew my policy each year!
Jamilyn Boze
July 5, 2024Always done very well for us. Highly recommended.
Kenny Casanova
July 5, 2024 -
Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024I think this is the third year in a row that I continue to carry my independent contractor insurance through Insurance Canopy. They make it easy for me, and alert... Read More
susanf
July 5, 2024quick and easy to sign up and did not break the bank!!
Michael “Michael”
April 8, 2024 -
Received many quotes that were multiple times more expensive. Needed something fast, easy and inexpensive for a high needs client. Customer had what they needed 5 minutes after... Read More
Robert Caudle
April 7, 2024Easy to apply online, it take 5 mins and get your provf of Insurance.
Francesca Wine
April 6, 2024I had shopped a few websites including my home/auto policy holder and was not satisfied with their inability to insure me. Other sites wanted ridiculous down payments and one time... Read More
Lucia Boroczk
April 4, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024 -
Chat support is terrific. I have chatted multiple times and each time the support team is very prompt, customer focused and knows the answers. The policy website is also very... Read More
Patrick McElhaney
March 27, 2024Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel
Lionel Harrison
March 26, 2024 -
I've been using Canopy for all my businesses. Always responsive, easy to use and the cheapest around. Can't ask for more! - A 10+ note from a happy customer here!
Aaron Copenhaguen
March 26, 2024great experience so far, always able to reach a human representative on the phone!
New Groove
March 25, 2024Insurance Canopy gives me peace of mind for my practice.
Adriana Chacon
March 25, 2024 -
Very easy process to get peace of mind
Kristen Talusan
March 25, 2024Reasonable rates for small business owners. It was tough finding a policy that met my needs, but was fortunate to find Insurance Canopy. Highly recommended.
Kate Whelan
March 25, 2024Super friendly service..
Kristina Strong
March 25, 2024
-
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024 -
Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith
October 7, 2024 -
Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024 -
She is positive and friendly !
Alan Dynin
September 14, 2024 -
Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024 -
Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Great company with a courteous staff. Website is smooth and navigable with many options for all different kinds of fitness professionals. Best insurance options as well
Rich Bonifazio
July 12, 2024 -
Always easy to use! Thank you!
CahillandDelene
July 12, 2024 -
I have been associated with this company for 3 years. They would have deserved no more than 1-2 stars at the time. They have progressively leveled up their customer service... Read More
Angela Fischetti
July 12, 2024
FAQs About Our Covered Styles of Training
Can I Customize My Policy?
Yes, you can customize your fitness instructor insurance! Your base policy includes general and professional liability coverage to cover you for claims of client injuries, property damage, and professional mistakes.
Boost your coverage with optional add-ons like additional insureds, gear and equipment coverage, cyber liability insurance, or diet and nutrition coverage.
You can also pay how you want — choose from monthly or yearly payment options.
Just select what you need during your online application (or any time after purchase through your user dashboard) and you’re all set!
Am I Covered if I Work at Multiple Locations?
Yes! You hustle from the gym to clients’ homes and back again — your coverage keeps up with you wherever you work.
Facilities will often require you to carry liability insurance and add them as additional insureds on your policy. Insurance Canopy makes it easy for you to meet requirements, get covered, and start training at multiple locations fast.
Am I Covered if I Teach Children?
If you’re a dance instructor or coach who teaches children, yes, you qualify for Insurance Canopy’s coverage!
However, instructors specializing in other training styles of fitness who teach children — aside from dance — do not qualify for fitness instructor insurance.
Am I Covered if I Teach Online?
Yes, if you teach fitness via virtual classes or offer pre-recorded videos, you’re covered with a fitness instructor policy. Insurance Canopy proudly insures many common types of fitness training styles — both online and in-person!
Don’t forget: If your business is largely online, it’s smart to secure cyber liability coverage in case of cyber attacks on your or your clients’ sensitive information.
