Fitness Instructor Insurance
Powerfully Crafted Insurance For Fitness Professionals
Affordable Insurance for Fitness Professionals
The coverage you need at a price you’ll enjoy—wherever, and however you train. We insure fitness professionals who work online, in the gym, or at multiple locations.
Coverage Details
General & Professional Liability Limits
The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage as a result of your business operations or professional services. For example, someone slips in your studio or is injured during a workout you were leading.
$3,000,000
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.
$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
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
$5,000
The amount we deduct from a claim before paying up to your policy limits.
$0
Optional Add-Ons
Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are a permanent part of the structure. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.
$1.33 – $10.67/month
$8.25/month
Coverage for additional services you offer clients, such as diet guidelines, meal plans, or the sale/recommendation of health supplements. These services are not covered by professional liability and require Diet & Nutrition Coverage.
$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 – $14.46/month
Trusted Coverage From Insurance Professionals
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.
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.