Fitness Instructor Insurance
Powerfully Crafted Insurance for Fitness Professionals
Affordable Fitness Instructor Liability Insurance
Gymnastics Coach
Health Coach
Pilates Instructor
Yoga Instructor
Get a FREE fitness instructor insurance quote online today!
What Is Fitness Instructor Insurance?
Fitness instructor insurance is a protection plan that covers the work fitness, health, and wellness professionals perform.
For example, If someone is hurt while training with you or equipment is damaged during a class, insurance may cover the cost of claims brought against you. Having insurance can help you keep your fitness business running smoothly and save 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
- Cheap fitness 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!
How Much Does Fitness Instructor Liability Insurance Cost?
Our monthly fitness insurance starts at $15/month, or you can get an annual plan for $159/year, helping you save an additional 13% per year.
You can also customize your fitness instructor insurance policy to include Gear & Equipment Coverage for as low as $1.33/month — making this one of the cheapest fitness instructor insurance policies available.
Get a customized fitness liability insurance quote online in 10 minutes or less and enjoy instant coverage today.
What Insurance Do I Need as a Fitness Instructor?
As a fitness instructor, you need general and professional liability insurance. These are the two most vital insurance coverages that may help you cover the cost of accidents or damages caused by your professional instruction.
We recommend these coverages for fitness professionals:
- General Liability Insurance: Coverage that helps you pay for accidental injuries or damages caused by your business, like a scratched floor or a slip and fall.
- Professional Liability Insurance: Coverage that helps you pay for injuries or damages caused by your work, like broken equipment or pulled muscles from a fitness class.
- Additional Insureds: A third party added to your policy, like a business that contracts you, a gym or spa owner, or a building manager.
- Gear & Equipment Coverage: An optional coverage that helps you pay for repairs and replacements for gear that is stolen or damaged.
- Cyber Liability Insurance: An optional coverage that helps you pay for damages caused by cyber attacks on your business.
- Diet & Nutrition Coverage: An optional coverage that helps you cover the dietary and nutritional work you do, such as meal plans or diet recommendations.
- Occurrence Form Coverage: Allows you to file a claim at any time for injuries or damages occurring during your policy period, like a minor ankle sprain during a session causing a bigger health concern for a client years later.**
With these coverages combined, you can create a customized fitness instructor insurance policy that works for you!
Do Group Fitness Instructors Need Insurance?
Why Choose Insurance Canopy?
We Have A (Nearly) 5 Star Rating
-
Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Canopy 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, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024Always 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, 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, 2024Affordable plan and very easy to access when I need it
Angela Lobianco
July 13, 2024 -
Always 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, 2024I 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 -
Thank 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, 2024Nothing but positive things to say. Great company, have used them for years.
Brandon Kennedy
July 5, 2024 -
I 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, 2024Received 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, 2024 -
Easy 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, 2024Just the insurance I needed. I wish the website would allow me to share pages!
Ellen Brodsky
April 2, 2024 -
This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.
Hillary Blackton
April 2, 2024It was fast and easy.
Vincent Cabello
March 31, 2024Chat 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, 2024 -
Process was easy. Relevant information accessible. Platform is very user friendly.
Carolina Santos
March 26, 2024I'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, 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
-
Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 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 -
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
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
Questions About Insurance for Fitness Instructors
What Does Fitness Professionals Insurance Cover?
Fitness professional insurance can cover many common claims, including the following:
- Slip-and-fall accidents
- Client injuries or death
- Damaged property
- Allergic reactions
- Stolen gear and equipment
If a client is hurt and unable to work, they could hold you responsible for covering the cost of medical bills, lost wages, and even emotional damages. If someone trips over a yoga mat and breaks a mirror in a studio you rent, you would be responsible for repairing the damages.
Even if you have clients sign a waiver, you can still be faced with lawsuits and need to defend yourself against them. A waiver cannot help you pay for legal expenses the way your insurance policy can.
With Insurance Canopy, you can feel confident you have the coverage you need to help you pay for common claims.
How Does Gear & Equipment Coverage (Inland Marine) Work?
Gear & Equipment Coverage is a unique type of protection for your business’s items such as weights, yoga mats, and exercise equipment. You can use it to insure the stuff you take with you to a fitness class, the equipment you buy to furnish your own gym, or the gear you use to record virtual fitness content.
This coverage is best for fitness professionals who are mobile, run their own studio, or have invested in gear for an online business. It’s also good for instructors who teach at retreats or special events where they need to bring their own gear.
Our Gear & Equipment Coverage offers up to $10,000 in protection. You can choose the best plan and add coverage to your insurance policy for as low as $1.33/month. It’s available to add to a new policy during the application process or to an existing policy from your online dashboard.
What’s the Difference Between Instructor Insurance and Gym Insurance?
The difference between instructor insurance vs gym insurance is whether or not you own the property where you work.
- Gym insurance (property insurance) is coverage designed to insure buildings you own and use for your fitness business.
- Instructor insurance (liability insurance) is designed to insure the work you do as a professional and help you pay for claims caused by your business.
Liability insurance mainly focuses on the general and professional liability parts of the policy. This means most of the coverages apply to claims related to injuries or damages your fitness services cause to other people and their property.
This policy does not offer the same protection as a property insurance coverage, and it may only cover you for some claims that occur in properties you rent (not own) under the Damage to Premises Rented to You coverage.
Can I Get Fitness Instructor Insurance on a Monthly Basis?
Yes, you can get fitness liability insurance on a monthly basis for as low as $15 with Insurance Canopy! Simply begin your application to get a quick quote. From there, select the “pay monthly” option to secure your fitness instructor insurance today.
At Insurance Canopy, we understand that your business — and budget — sometimes requires flexibility. That’s why we make it easy for you to get monthly fitness liability insurance that balances high coverage with affordable pricing.
Does This Fitness Policy Cover Barre Instructors?
Yes, Insurance Canopy’s fitness policy covers barre instructors! Get comprehensive barre instructor insurance starting at only $159/year to protect yourself from claims like in-studio slips, injuries befalling overeager students, and even advertising mistakes.
Our customized fitness insurance for barre lets you add on extras, such as cyber liability and tools and equipment coverage, for a policy that’s as balanced as your instruction.
Need insurance for a shorter teaching season? We offer fitness instructor insurance by the month, so you can get covered and get back to the barre on your terms.
*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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