Fitness Instructor Insurance

Powerfully Crafted Insurance for Fitness Professionals

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Starting at

$15
monthly

Affordable Fitness Instructor Liability Insurance

Whether you’re a private personal trainer or an online yoga instructor, insurance for fitness professionals can help you cover the costs of client injuries, accidental property damage, legal fees, and more.

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?

Yes, group fitness instructors do need insurance — as do online fitness instructors and freelance fitness instructors. If you train more than one client at a time, teach a fitness class, or lead team workouts, then you need insurance for group fitness instructors. It’s not uncommon to have a student get hurt or break a piece of equipment during a session, so it’s important to be covered for moments like these.

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 Avatar Paul McNeilly
    November 12, 2024

    Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar 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 Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024

    Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024

    Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024

    Rey was amazing. So easy! So fast!

    Herman Koch Avatar 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 Avatar Mark Paquin
    September 14, 2024
  • She is positive and friendly !

    Alan Dynin Avatar 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 Avatar Alana Wyld
    September 14, 2024

    Affordable plan and very easy to access when I need it

    Angela Lobianco Avatar Angela Lobianco
    July 13, 2024
  • Always easy to use! Thank you!

    CahillandDelene Avatar CahillandDelene
    July 12, 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 Avatar 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 Avatar 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 Avatar Jamilyn Boze
    July 5, 2024

    Always done very well for us. Highly recommended.

    Kenny Casanova Avatar Kenny Casanova
    July 5, 2024

    Nothing but positive things to say. Great company, have used them for years.

    Brandon Kennedy Avatar 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 Avatar susanf
    July 5, 2024

    quick and easy to sign up and did not break the bank!!

    Michael “Michael” Jobe Avatar 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 Avatar Robert Caudle
    April 7, 2024
  • Easy to apply online, it take 5 mins and get your provf of Insurance.

    Francesca Wine Avatar Francesca Wine
    April 6, 2024

    I 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 Avatar Lucia Boroczk
    April 4, 2024

    Just the insurance I needed. I wish the website would allow me to share pages!

    Ellen Brodsky Avatar Ellen Brodsky
    April 2, 2024
  • This insurance fits my needs as a yoga instructor with a small studio at a reasonable price.

    Hillary Blackton Avatar Hillary Blackton
    April 2, 2024

    It was fast and easy.

    Vincent Cabello Avatar 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 Avatar Patrick McElhaney
    March 27, 2024
  • Process was easy. Relevant information accessible. Platform is very user friendly.

    Carolina Santos Avatar Carolina Santos
    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 Avatar Aaron Copenhaguen
    March 26, 2024

    The agent was awesome, helped me through my application completely, very professional, humble and helpful! I love Canopy’s concept!!! Thanks, Lionel

    Lionel Harrison Avatar 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 Avatar Paul McNeilly
    November 12, 2024
  • Best customer service I have ever had in regards to insurance.

    Edward Findley Avatar 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 Avatar Vickie Sundgren
    November 3, 2024
  • Great to work with. Always available for assistance.

    Courtney Araneo Avatar Courtney Araneo
    November 3, 2024
  • Super easy and convenient. Just renewed, thanks.

    Wendy Berg Avatar Wendy Berg
    November 3, 2024
  • Canopy insurance has been great for my business. Definitely a five star definitely recommend it..

    Fernando Ferreira Avatar Fernando Ferreira
    October 12, 2024
  • Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.

    Jacob Smith Jr Avatar Jacob Smith
    October 7, 2024
  • Rey was amazing. So easy! So fast!

    Herman Koch Avatar 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 Avatar 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 Avatar Alana Wyld
    September 14, 2024

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.

$100

Optional Add-Ons

Price

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–$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

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

Ready for a Free Quote?
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Questions About Insurance for Fitness Instructors

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. See Our Fitness Business Insurance Exclusions

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.

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.

Buy Instructor Insurance Today

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.

Get Monthly Fitness Instructor Insurance

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.

Buy Barre Instructor Insurance Now

Choosing the right insurance is critical.
You can’t afford gaps in your coverage that could put you out of business.

*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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