Insurance Canopy logo
844.520.6993

Fitness Instructor Insurance

Powerfully Crafted Insurance For Fitness Professionals

AS LOW AS

$12.50

Monthly

Save an Additional 14%
with an Annual Plan

Affordable Liability Insurance For Group Fitness Instructors

What Is Fitness Instructor Insurance?

Fitness instructor insurance is designed to help cover the cost of first- and third-party claims for:

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.

How Much Does Fitness Liability Insurance Cost?​

Fitness insurance with Insurance Canopy starts at $12.50 a month for our basic plan and equipment coverage. You can save an additional 14% by switching to our annual plan that starts at $129 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

Do Group Fitness Instructors Need Insurance?

Yes, group fitness instructors do need insurance—as do online fitness instructors and freelance fitness instructors.

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.

What Insurance Do I Need As A Fitness Instructor?

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 coverage options, such as Gear & Equipment Coverage, to help you customize your plan and limits to your specific needs.

Need help knowing which fitness instructor insurance plan is right for you? Click the button below to learn more about how our plans can protect you. 

Why Choose Insurance Canopy?

We Have A (Nearly) 5 Star Rating

  • Super fast and easy to set up. Very reasonably priced.

    Rachel Miller Avatar Rachel Miller
    February 6, 2023

    Quick and easy insurance for my mobile DJ business.

    Burton Nuse Avatar Burton Nuse
    October 19, 2022

    Wonderful quick and easy!

    shani files Avatar shani files
    December 6, 2022
  • They took care of business! Easy process and cheap price to pay for peace of mind and being able to say you are a pro and fully insured.

    Jimmy Fish Avatar Jimmy Fish
    February 13, 2023

    They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others.

    Roberto Olivares Avatar Roberto Olivares
    September 26, 2022

    Website Easy To Navigate And Price For Insurance Cover Is Excellent. Thank You For Insuring My Event! 👊🏾

    Fritz Cooper Avatar Fritz Cooper
    May 26, 2023
  • Easy peezy

    Tom Razin Avatar Tom Razin
    September 26, 2022

    Rates were very competitive and I had great help when I called with questions. The application was fast and easy to fill out online. I haven’t had to file a... Read More

    Katie Gustafson Avatar Katie Gustafson
    August 26, 2022

    Easy. Quick. Responsive on chat.

    Me Avatar Me
    May 29, 2023
  • Very Easy and affordable

    barber fire Avatar barber fire
    March 4, 2023

    Easy purchase… very clear description of service and options.

    Apex Entertainment Group Chris Stout Avatar Apex Entertainment Group Chris Stout
    June 21, 2023

    It didn’t start out so smooth but Jamal was helpful getting my additional insured added

    Grog Avatar Grog
    June 12, 2023
  • Great service

    lamonte hatch Avatar lamonte hatch
    August 26, 2022

    Quick and easy service! A++

    H Peaks Avatar H Peaks
    May 29, 2023

    Was in a jam. Needed the insurance for a gig coming up and the process was sooo simple! The coverage is exactly what they were looking for and we are... Read More

    joe barton Avatar joe barton
    October 12, 2022
  • Easy to use. Very good user experience. Definitely recommend insurance copy for fellow musicians performing live at events etc.

    Ted K Avatar Ted K
    June 26, 2022

    It has been great working with Insurance Canopy and especially Faith Ortiz. A+++

    ND3423 Avatar ND3423
    May 26, 2023

    Love y’all! I highly recommend performers to use your services. I have also recommended your company to BMI. ASCAP. SESAC, etc. to list you as a resource for Entertainers. Thank... Read More

    KGTCA LLC Avatar KGTCA LLC
    February 27, 2023
  • Quick, easy and just what we needed to work an event that required a bit of insurance. Will most likely seek regular monthly insurance knowing it's this easy and... Read More

    Shannon Smith Avatar Shannon Smith
    May 26, 2023

    I'm excited excellent price

    Edgar roberto Lobos Avatar Edgar roberto Lobos
    February 20, 2023

    Super easy and straightforward.

    Emily Mallar Avatar Emily Mallar
    October 12, 2022
  • It was easy to fill the forms out online and all the information

    Melissa Prado Avatar Melissa Prado
    August 26, 2022

    Reliable, efficient and affordable! The new online form was quick and simple, it took me less than 15 minutes to complete. They are also very quick on answering any... Read More

    Elena Azama Avatar Elena Azama
    May 26, 2023

    It was a easy sign up experience .

    Laroi Newman Avatar Laroi Newman
    July 26, 2022
  • Very easy and efficient. It was just what I needed

    Deborah West Avatar Deborah West
    February 27, 2023

    The lady patiently help me out through the proces. I think her name is Stephanie. She stayed on the phone until I was done. My whole hearted thanks to... Read More

    Robert Lesaca Avatar Robert Lesaca
    July 26, 2022

    You can't beat the price and once I called in, the guy I spoke with told me everything I needed to know and I was signed up within minutes. Amazing!!!

    Michele Gibson Avatar Michele Gibson
    July 26, 2022
  • I got the coverage I needed. The coverage wasn’t extravagant in price and I was able to add an additional insured. Thanks for the great service.

    ShoMoDjs DJ and Audio Visual Services Avatar ShoMoDjs DJ and Audio Visual Services
    January 6, 2023

    It was a very easy experience.

    Pamela Burton Avatar Pamela Burton
    February 13, 2023

    I’ve been looking for the right insurance company. And I’ve found it ! Awesome prices and great coverage plans. Thank you !!

    Javier Valderrama Jr (BeastMode_Cyclist_Javy) Avatar Javier Valderrama Jr (BeastMode_Cyclist_Javy)
    August 26, 2022
  • So far, so good.

    Jeff Nelson Avatar Jeff Nelson
    December 6, 2022
  • Easy to set up And good price! I did shop around and found this company took me 20 minutes to get everything done ...got a custome made Liquor Liability insurance... Read More

    Carlos Aguirre Avatar Carlos Aguirre
    June 26, 2022
  • I'm excited excellent price

    Edgar roberto Lobos Avatar Edgar roberto Lobos
    February 20, 2023
  • Customer service and experience was great. Appreciate the patience and knowledge. Thank you.

    justelement T Avatar justelement T
    May 26, 2023
  • Love y’all! I highly recommend performers to use your services. I have also recommended your company to BMI. ASCAP. SESAC, etc. to list you as a resource for Entertainers. Thank... Read More

    KGTCA LLC Avatar KGTCA LLC
    February 27, 2023
  • Reliable, efficient and affordable! The new online form was quick and simple, it took me less than 15 minutes to complete. They are also very quick on answering any... Read More

    Elena Azama Avatar Elena Azama
    May 26, 2023
  • Rates were very competitive and I had great help when I called with questions. The application was fast and easy to fill out online. I haven’t had to file a... Read More

    Katie Gustafson Avatar Katie Gustafson
    August 26, 2022
  • Web site was very clear and easy to use

    Ken Reilly Avatar Ken Reilly
    January 6, 2023
  • I’m so happy with your company!!!

    Jenalyn Smith Avatar Jenalyn Smith
    October 19, 2022
  • It was easy to fill the forms out online and all the information

    Melissa Prado Avatar Melissa Prado
    August 26, 2022

Coverage Details

General Liability Limits

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

$3,000,000

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover your products that are sold or distributed.

$3,000,000

The amount that 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 general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury (BI) or death sustained by accident under the conditions specified in the policy.

$5,000

This is the amount we deduct from a claim before paying up to your policy limits.

$100

Additional Optional Limits

Inland marine insurance covers tangible property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are part of the structure.

$2,000

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.

$100,000

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.

Included when added

1 Additional Insured – $15 
Unlimited Additional Insureds – $30

Ready For A Free Quote?
Easy Quote!

Questions About Fitness Instructor Insurance

Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

Related Articles

Most people find money to be a bit of an uncomfortable topic. It can be especially hard to look inward and think, “How much is my time worth? Will people…
Fitness instructors form a close bond with their clients and students. Can…
After the clock strikes midnight and the festivities come to a close,…