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Fitness Instructor Insurance

Powerfully Crafted Insurance For Fitness Professionals

AS LOW AS

$12.50

Monthly

Save an Additional 14%
with an Annual Plan

Affordable Fitness Instructor Liability Insurance

From private personal trainers to online yoga instructors, 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 for fitness instructors offers you: 

  • General & professional liability insurance
  • Optional coverage add-ons
  • Protection for your gear
  • Coverage for 100+ teaching styles
  • Flexible payment options
  • Nationwide coverage
  • Multiple location coverage
  • Cheap fitness insurance
  • Unlimited additional insureds
  • Instant Certificate of Insurance
  • 24/7 online access to your policy

How Much Does Fitness Instructor Liability Insurance Cost?​

Our insurance starts at $12.50/month or $129/year, with our annual plan helping you save an additional 14% per year.

You can also add Gear & Equipment Coverage on to your plan for as low as $1.33/month—making this one of the cheapest fitness instructor insurance policies available.

Get a policy online in 10 minute 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.

Need help knowing which insurance plan is right for you? Learn more about how our plans can protect your fitness business in our guide to fitness insurance

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

  • Faith at Insurance Canopy is great to work with. She is very responsive and efficient with responses when requests are made and always with a positive attitude. She is... Read More

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    Excellent online experience, clean, clear instructions. At the right price too.

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    September 26, 2022

    Easy to follow instructions on establishing my DJ liability insurance. Pricing was the best I've found to suit my needs.

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    September 26, 2022
  • Very Easy and affordable

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    March 4, 2023

    Very easy process. Stefani stayed on the phone and walked me through the process. Took about 5 minutes and my group was insured. Excellent service.

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    June 26, 2022

    Super easy, easy to understand and a great price.

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    September 26, 2022
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    February 6, 2023

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    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

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    June 26, 2022
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    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

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    May 26, 2023
  • They did actually do a great job at establishing my policy quickly and answering my questions by phone. Would recommend to others.

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    September 26, 2022

    Quick easy to understand and reasonable. Detailed instructions and easy to ise. Canopy did it all for my team

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    September 26, 2022

    Customer service and experience was great. Appreciate the patience and knowledge. Thank you.

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    May 26, 2023
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    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

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    May 26, 2023
  • 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.

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    February 13, 2023

    I have been djing for over a decade, but just started my dj business this year. Getting insurance was something I was dreading, but Ins Canopy made the process so... Read More

    Mike V (Dj Mike Cartel) Avatar Mike V (Dj Mike Cartel)
    September 26, 2022

    Chat rep was knowledgeable and professional and website was easy to navigate and apply for business insurance.

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    July 26, 2022
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    May 26, 2023
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    June 19, 2023

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

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    May 26, 2023

    Insurance Canopy has given us piece of mind to conduct our business and know that it, as well as, our clients are protected. The ease of accessing any policy documents... Read More

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    Great site to work with.

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    June 5, 2023

    Instructor at Orange Door Yoga in Grand Junction, Co

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    July 26, 2022
  • Faith at Insurance Canopy is great to work with. She is very responsive and efficient with responses when requests are made and always with a positive attitude. She is... Read More

    Todd McCabe Avatar Todd McCabe
    March 3, 2023
  • 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

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    May 26, 2023
  • 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.

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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

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.

$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

Coverage for a third party, such as a business, property owner, event organizer, or employer. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own.

+$15

Coverage for multiple third parties, such as a business, property owner, event organizer, or employer. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own.

+$30

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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 gear you use to record virtual fitness content.

This coverage is intended to insure the items you use in your day-to-day work for claims of theft or damages so you may have help paying for the cost to repair or replace your stuff. It cannot be used to insure “tangible property.” That means it can’t cover a building or items that are permanently attached to a structure, like lighting or window fixtures. The items have to be moveable or transportable.

Gear & Equipment Coverage is a great insurance option for fitness professionals who are mobile, run their own studio, or have invested in gear for an online business. It’s also a good for instructors who teach at retreats or special events where they need to bring their own gear.

You can add Gear & Equipment Coverage to your insurance policy for as low as $16/year or $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

Choosing the right insurance is critical.

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

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