Fitness Instructor Insurance
Powerfully Crafted Insurance For Fitness Professionals
4.7/5 stars from 571 reviews on Feefo
Affordable Insurance for Fitness Professionals
With Insurance Canopy, independent fitness instructors and fitness business owners can access top-rated coverage tailored to their needs. From private personal trainers to online yoga instructors, our insurance for fitness professionals can help you cover the costs of lawsuits, accidents, and third-party property damage. Get a free fitness instructor insurance quote today!
What Is Fitness Instructor Insurance?
Unfortunately, accidents do happen, but having insurance can help you keep your business operations running smoothly and save you thousands in out-of-pocket expenses. In the case of a lawsuit, an insurance policy can help you cover the costs whereas a client safety waiver cannot.
Not to mention, insurance for fitness instructors can be used by those who may teach outside of a gym — such as online, at spas, in corporate offices, or at health facilities. Insurance Canopy’s policies meet the needs of a variety of different facilities and allow you to add additional insureds to your plan.
Plus, our occurrence form coverage gets you lifetime protection on claims that occur during your coverage period!*
How Much Does Fitness Liability Insurance Cost?
Fitness insurance with Insurance Canopy starts at $15 a month for our basic plan and equipment coverage. You can save an additional 13% by switching to our annual plan that starts at $159 a year.
Because no two trainers are the same, the cost of your policy is tailored to you. Your annual revenue, past claims history, training style, and additional coverages can impact the price you pay. Get a free quote in minutes and see what we can do for you!
Trusted Coverage From Insurance Professionals
You're In Good Company With Insurance Canopy
Here's what other people have to say about their experience.
Great company easy to work with, and they even sent me reminders about my renewal!!!! Thank you so so much
Fast, easy, always there. As a mobile dj it’s important to me to have access to a cost friendly insurance option when needed. That’s exactly what you get! Great policy at a great rate. Thanks!!!
Very reliable and affordable insurance. Customer service is outstanding and hassle free when renewing.
My first time using this Company I like the ease of navigating through the site.
I loved working with insurance canopy. Their customer service was so available and willing to answer my questions as a first time business owner. Great pricing, quick, and easy.
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 Fitness Instructor Insurance
Regardless of your title, all fitness instructors should have general and professional liability insurance. These are the two most basic insurance policies that can help you in the case of an accident on your property or an injury sustained under your instruction.
Our fitness instructor liability insurance combines general and professional liability into one base plan. We also offer additional endorsements, such as tools and equipment coverage and cyber liability insurance, to help you customize your plan and limits to your specific needs.
Insurance for fitness instructors who run classes can look a bit different. Whether you’re leading a CrossFit class or a pilates lesson, the way you set up your class can require different coverages.
At Insurance Canopy, we help you build a policy based on:
- Where you work
- Who’s equipment you use
- What products you use
- How you process payments
Our base policy includes general and professional liability insurance, which helps protect you from a lot of the common claims you may see. We also include product liability insurance, which can help you if someone is allergic to essential oils used during a yoga class.
If you supply your own class equipment, our tools and equipment coverage can insure these items both in the studio and in transit. If you store client information online, take electronic payments, or use products like Square to charge students, our cyber liability insurance can help you in the case of a cyber attack on your business.
If you train, teach a class, or guide any workout or other fitness routine as a business, then you likely need Fitness Instructor Insurance to protect your assets and ensure the ability to work in other facilities.
Liability insurance for fitness instructors can cover many common claims, such as slip-and-fall incidents or claims of bodily harm. It can also help cover claims of:
- Property damage
- Allergic reactions
- Stolen gear
- Client deaths
If a client is hurt and unable to work, they could hold you responsible for covering the cost of medical bills, lost wages, and 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.
With Insurance Canopy you don’t have to worry about handling a claim alone. Even if you have clients sign a waiver before working with you, there are a lot of legal loopholes that lawyers can find. If you’re faced with a claim, your waiver cannot offer you the same financial support your insurance policy can.
With occurrence form coverage, you can file a claim anytime, even after your coverage ends!*
Choosing the right insurance is critical.
*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.
